23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CKS Prime Investments LLC contacted my mother and my sister-in-law about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I have never received a validation of this debt or any notice of debt from CKS Prime Investments LLC nor have I ever heard of this debt collection company. I have never been provided any change to dispute this alleged debt due in the amount of {$540.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive advised all 3 credit Bureausto send me a copy of my report and they wont, so continue to merge my daughter and I as the same individual and have refused us the opportunity to obtain copies of our free credit reports to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stuff on my report that wasnt me
Product: Prepaid card

I received a {$60.00} prepaid card as a rebate for a set of XXXX tires, which I had misplaced for a time. When I found it, it appears to have expired within the last couple of months. I called the issuer to request they re-issue the card ( I had not used any of the stored value ), but they refused. While I understand the concept of expiriation dates, I feel the company should have reissued the card as the date only around 6 months from issue and had only recently expired.
Product: Credit card

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service .

2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service.

5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Mortgage

Branch Banking & Trust denied my residential loan application even though I withdrew my request for the loan before completing it because the mortgage officer would not answer basic questions regarding the terms of the loan. This application was never completed and I asked that it be withdrawn before completion because the terms that they had set forth changed dramatically from what they originally proposed.
Product: Checking or savings account

I was hopeful, being the victim of fraud, that Albert would comply with the law and not hold me liable for the fraudulent charges since I reported on time and took the appropriate steps on my end. Unfortunately, it feels like the financial services company, is more interested in trying to find reasons in which to deny claims then they are into trying to assist their customers. Being that they're not a bank, but indeed a financial services company, makes their actions even more questionable. Im left feeling as though they're more interested in holding onto their own profits than doing whats right for their customers. But there are laws, there are rules and there are regulations for a reason. And occasionally, they get tested. 

Their careless handling of a minor claim, due to either their incompetence or greed, is not acceptable to me and I will not accept it. I'm incredibly frustrated with their lack of professionalism and the disrespectful way they managed my claim. It's such a waste of my time to have to do this. I understand mistakes are occasionally made ; but this was just unacceptable on so many levels. I would like to give you one final opportunity to reconsider my fraud claim. Im certain that if you do you will find my claims are in fact substantiated and that fraud did take place. Additionally, youll find that I properly reported it, disabled my card and attempted to reach out to you numerous times ; all in an attempt to prevent this and correct it before it got worse. However, I wasnt met with a reliable partner, I was left with silence and ignored while I tried to figure things out on my own.
Product: Credit reporting

I would like to validate the debt for XXXX. I do not believe the debt is mine and XXXX for {$72.00} is showing on my transunion credit report twice for the same amount. The XXXX is for {$210.00}. Not sure what is going on, but that is not correct. XXXX has deleted all three tradelines for incorrect reporting and i would like these deleted as well.
Product: Credit card

I attempted to enter into a payment plan with the company for my Value City credit card. the company approved the payment plan but will not provide information indicating that I am in a payment plan. I need this information for my records and to verify with my current employer.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

# XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX, # XXXXXXXX XXXX, # XXXX XXXX XXXXXXXX & XXXX XXXX # XXXX XXXX # XXXX XXXX  XXXX XXXX has XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

MY complaint : Experian continually gives unauthorized access to my credit report with other consistent violations of the Fair Credit Reporting Act As a direct result the information in my credit report is less than fair, true or accurate. As a direct result any extra information submitted by the consumer is given to the furnisher of the inaccurate information to update that furnisher 's reporting to coincide with the consumers self-reports. 
Please NOTE : all other subject matter of a disputed item is unaddressed. 



I received a message from Experian stating : 1. Your dispute results are currently not available online ==== I have not received the results of the dispute. 

2. AS YOU REQUESTED, THE RESULTS OF OUR INVESTIGATION HAVE BEEN SENT TO THOSE ORGANIZATIONS THAT REVIEWED YOUR REPORT. 
====== I never made such a request. ( Quite the contrary I stated DO NOT share any documentation or evidence I submit or have submitted with any outside parties -- & the agencies listed that reviewed my credit report DID NOT have my consent- ) According to the Fair Credit Reporting Act, the dispute process is to review the accuracy and completeness of any disputed item. I have requested when contacting the furnisher Do NOT share the details of my complaint with the furnisher of the information or vendor that collected the information from any source. DO NOT disclose any information I have submitted regarding the dispute. 

I have requested a copy of Experian 's processing i.e., a copy of the review and consideration of the dispute. ( with every dispute made to Experian I follow up with a request for the report - I never receive this report ) I reported that the furnishers or vendors response to dispute inquiries does not use the information for the purpose intended and I do not consent to my extra submissions and/or documentation being shared with the furnisher or vendors reporting to Experian. 

I DO NOT RECEIVE A FULL ACCOUNTING OF PROCESSED DISPUTES.
Product: Debt collection

This is XXXX XXXX I am requesting verification- ( sworn under oath ) by XXXX XXXX XXXX & FirstPoint Collection Resources XXXX Inc. for this alleged debt. I am also invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ) & requesting FirstPoint Collection Resources XXXX Inc. to cease & desist all communication unless for verification purposes. I am also demanding FirstPoint Collection Resources XXXX Inc. to stop all communication with third parties- XXXX XXXX XXXX XXXX XXXX immediately pursuant to 15 USC 1692c ( b ). Failure to stay in compliance with any provisions listed shall result in legal action pursuant to 15 USC 1692k.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX I received notice from Experian that a derogatory entry had been made on my credit report. 
Upon investigation, I found that my mortgage company, XXXX, reported a late payment to my credit report. Up until that time, I received NO contact from XXXX telling me a mortgage payment was late. I was on an XXXX with XXXX for about XXXX  years, and had no prior issues. 

I immediately contacted XXXX and was told my account was in arrears for my XX/XX/XXXX payment. I told them I was never notified my phone, voice mail, text or email. They told me they had called several times with no answer. I had previously received numerous calls and mail from XXXX trying to sell me a XXXX. I told them I already had XXXX from another lender and was not interested. Despite that, they kept calling over and over and sending letters by mail- ALL trying to sell me a XXXX I got so many of those calls that I stopped answering them. 

I NEVER received a voice mail, letter, text message or email telling me my XXXX payment was overdue. 

When I called them and asked them to remove the late payment from my credit bureaus, they told me I had cancelled my XXXX in XXXX and made a manual payment that month. I DID NOT cancel my XXXX. They kept telling me I did cancel it and that they called several times to tell me my XXXX payment was overdue- AGAIN, I never received a voicemail, text or email message from them about the late payment. 
I wrote to them several times explaining the situation and lack of notice and asked them to remove the late payment from my credit reports. They denied it 2 times. 

I don't know how the autopay was cancelled, unless someone hacked my online XXXX account. I did NOT do so. When I called them the first time- on XX/XX/XXXX, I immediately paid the XXXX and XXXX payments and the late charge. I also redid the XXXX online. 

AFTER all of this back and forth, I received a letter from them dated XX/XX/XXXX and received on XX/XX/XXXX or XXXX, telling me my XXXX payment is past due - at that point the payments were already made. 
To restate, I NEVER received ANY voice messages, emails, text messages about any late payments. The only calls I received from them were about selling me a XXXX So many calls that I finally stopped answering them. 
NONE of the calls I received from them resulted in a voice message- and voice mail has been setup and working on my phone number - XXXX for over XXXX years. 

I have NEVER had ANY late payments or missing payments on ANYT of my accounts- including XXXX  XXXX credit cards, personal loans etc. in OVER XXXX YEARS- NEVER. I told them that and that they can confirm that on my credit record- all to no avail. 

Please contact them to have this late payment deleted from my credit records.
Product: Debt collection

XXXX XXXX from XXXX, was making arrangements in XXXX to pay, payments not being applied to balance. Ordered a judgement, still tried to make arrangements, payments not applied, they increased balance. Due to job loss, COVID and previous hurricane situation, finanical situation became dire. Attempted to contact to assistance, they refused to correspond back. 
Fast forward to XXXX, a wage garnishment was ordered against me for nonpayment of a XXXX XXXX XXXX medical bill. Unknown about situation and action, as the information listed on employer documents forwarded indicated an address of XXXX XXXX XXXX, Upon XXXX XXXX records, an attempt to serve notification of supena was attempted in XXXX, but to the old address of XXXX XXXX XXXX 
No notification, no communication of situation. 
Therefore, had no knowledge or legal basis to defend and attempt to resolve from that time ago. 
Credit report shows medical bills was XXXX. 
Attempted to call and was belitted as to attempt to resolve this issue, as they increased the amount by XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion, XXXX, and Transunion for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from TransUnion : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : TransUnion 's refusal to update my information is a direct violation of XXXX5 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, TransUnion has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Product: Checking or savings account

A new deposit account was opened at Truist Bank for my business. A wire was initiated in the amount of {$250000.00} to fund the account as instructed by the beneficiary bank where the account was established. The wire was received, confirmed, and the funds made available. XXXX days later, the account was unilaterally blocked from all access points on and offline. When I reached out to the bank to ask why they reported that the originating bank had confirmed wire fraud, in this case XXXX XXXX, and furthermore that the beneficiary of the originating account had also confirmed same to them directly. Upon checking with the originating bank and the account holder there, an investor in my company, we discovered that information to be inaccurate. In fact, when I originally inquired about the reason for the block, and please note that at no time was I contacted directly by Truist Bank to alert me to the issue, I was informed that they needed some documentation to " verify the business ''. An attempt was made to provide the documentation required but they could not tell us what they wanted, and then their account shifted to " fraud '', and that is was XXXX XXXX at fault. Please also note this is after the account had been opened, and funds in fact made available for use. So it was no longer about a simple verification, which one can understand with a new account and a wire of {$250000.00} to confirm ownership of funds at both ends, it is very difficult to understand how this turned into fraud where none has occurred. My issue is not with investigations to protect against fraud. It is worth an unacceptable lack of communication, holding funds in a phantom suspense account or something like it so not only we can not access but neither can our investor get their {$250000.00} back. Truist will not only not tell us anything, they will not communicate with XXXX XXXX either. So, to summarize, account opened and assumed verified, wire received and confirmed, funds made available and used to the tune of {$5000.00}, account blocked for no reason or at least not XXXX that was communicated to us or the originating bank, relationship terminated, reason given " fraud ''. There is no fraud it is easily proven with a competent investigation. In truth the only suspicious behavior surrounding this transaction has been on the past of Truist Bank, in the face of a good faith attempt to begin a new banking relationship. I've never encountered something like this before, have never committed fraud or know anyone who has, and to be treated as if I have by a major national bank where I was making a material initial deposit, is disturbing. Even more concerning is the inability to communicate, either by phone or in the branches, and/or their unwillingness to return the funds to the originator at XXXX XXXX XXXX who has provided documentation to prove the transaction as valid. If there is anything close to fraud here, it is bank, not wire, and Truist is the perpetrator. They have effectively stolen funds that do not belong to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed multiple disputes ( XX/XX/2022, XX/XX/2022 & XX/XX/2022 ) with XXXX regarding a student loan that continues to show on my credit report with them from the Georgia Student Finance Authority ( GSFA ) in the amount of {$4.00}. 

The amount represents a student loan for which I applied and was approved for last Fall to attend XXXX University ( XXXX ). However, I withdrew from the program prior to the last official day possible to receive refunds. I've confirmed with both XXXX and GFSA that the funds in question were returned to GSFA. However, every time attempt to have my XXXX credit report corrected to reflect such I am rejected. I have received repeat dispute rejections from XXXX stating that GSFA confirms that the information and account balance of {$4300.00} listed on my credit report is correct. But on my credit report with the other two reporting agencies, the balance for this particular loan reflects a {$0.00} balance. When I called GSFA months ago I was also told that my balance was {$0.00}.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Hello on XX/XX/24 I submitted a request to experian to provide information about some charge off accounts listed on my account and until this day they have yet to respond to my request to fix this. They have yet to acknowledge me request.
Product: Credit card

Several months ago I received an unsolicited credit card from Citibank. I NEVER activated the card.I went to COstco to pay my fee by another means and was told I could n't becasue Citibank had already billed me. 
I cancelled my Citibank card but was never able to get the charges removed. 
They also charged me a late fee and interest even though I had cancelled my card before the payment was due. Citibank took the extra charges off my account but i was still forced to pay the annual Costco fee before I was able to close the Citibank account. 
I live in California and thought that consumer protection in this state was having to activate I
Product: Checking or savings account

On XX/XX/year> I checked into a XXXX XXXX  XXXX however my card was incorrectly charged for a different reservation than my own but the employee attempted to cancel the transaction and informed me that it didn't actually go through. However, I showed him on my phone that the transaction did indeed go through my bank and it resulted in a pending transaction. 

I told them that my bank ( Current ) is good about reversing canceled transaction immediately so if it was in fact canceled I would have the funds back within 24 hours. I waited 72 hours and contacted Current because it was still pending and the hotel had their accountant look into and insisted it did not go through so they couldn't cancel it. 

My bank ( Current- XXXX XXXX XXXX XXXX has stated they have a cardholder agreement that XXXX XXXX XXXX XXXX XXXX would remain pending for 31 calendar days and I can not dispute a pending transaction and they can not manually cancel it until 31 days have passed due to their own policy ). That policy is actually ridiculous. A cardholder agreement can only be made between the consumer and the bank so how can include a merchant incorrectly charging you for something you didn't authorize? The merchant has admitted to the mistake and supplied my bank with a " Debit Release Authorization Form '' to reverse the funds but they remain saying I have to wait for 31 days and the charge is still pending 2 weeks later. The release form the merchant supplied shows no approval code as they stated the card processor glitched and the charge should've fallen off within 48 hours. These policies show a complete disregard for consumers that rely on the bank to protect our accounts and funds from errors.
Product: Debt collection

World finance company has been calling my phone Constantly over and over again and harassing me at work. I asked them not to call my job and they continue to call my job and harassed me there and continued to call my phone numerous times throughout the day and night.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is directed towards XXXX, Experian and XXXX. On numerous occasions I have sent disputes letters regarding a fraudulent Bankruptcy on my credit report on XX/XX/XXXX. The Bankruptcy reports being dismissed on my report, I explained it must have been an error. I sent a document from the court that they did not give them any information on a Bankruptcy case. On XX/XX/XXXX XXXX  removed a Bankruptcy off of my credit report and added the same day. I have enclosed screen shots from XXXX XXXX.
Product: Debt collection

Received a bill from Balanced Healthcare Receivables at  the beginning of XX/XX/2020. I called XXXX XXXX at the number to tell them to cease and desist or I would contact CFPB. They said okay. I was fine with this acknowledgement. However, after contacting the originator of the healthcare fee listed on document to follow up, XXXX Hospital, the Hospital billing department told me that I had a {$0.00} balance. That made me think that this mailing was a scam so I wanted to contact you regardless.