23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

Transunion is known for sending out stall letters when you try and report inaccurate information. They are currently in violation of 15 USC 1692 c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 


ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT!! I ALREADY HAVE FRAUD PROTECTION
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 15 USC 1681. 

Account name : 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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Midland credit has placed and account on all 3 credit bureaus. Ive sent correspondence to this company 3x via certified mail and I havent received a response. This debt is invalid and was paid within 10 Days of me canceling this old account.
Product: Checking or savings account

Onewest Bank allowed a fraudulent check to be written using my account number. I am at a loss for XXXX XXXXXXXX dollars, and they have refused to take any action. Details below. 

Onewest Bank was notified on or about XX/XX/XXXX about a incident of check fraud, where a check I had issued in the amount of {$1900.00} was cashed by someone other than the intended recipient. This check was cashed on or about XX/XX/XXXX. The date on the check has been forged and there is no endorsement on the back of the check. Onewest Bank refuses to tell me any information about where or whose account this check was deposited into. An affidavit has been signed affirming these facts on XX/XX/XXXX. When calling Onewest Bank, the expected time for resolution of the claim has been changed from 30 days, to 45 days, to now 90 days. I have attempted to resolve this matter in person at a branch on XX/XX/XXXX and XX/XX/XXXX, as well as by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have been given no explanation or answers about when my stolen funds will be returned. 

CFPB complaint filed. Case XXXX During this complaint I had been in contact with a XXXX XXXX at the Onewest call center, at XXXX XXXX XXXX XXXX. After filing a complaint with the CFPB, i was contacted by a XXXXXXXX XXXX with Onewest Bank XXXX XXXX XXXX Team, phone number ( XXXX ) XXXX. XXXX XXXX  continually assured me that this would be resolved 90 days after the initial claim was filed, and that they were waiting for XXXX XXXX XXXXXXXX to respond to the claim. XXXXXXXX XXXX  as refused to disclose the identity of the person whose account the fraudulent check was deposited into. I have called XXXXXXXX XXXX on multiple times getting the same useless statements, not giving any real time frame other than 90 days for me to have my money returned. 

XXXXXXXX XXXX  has now refused to return my calls since the 90 day period since the claim has ended. I have called her on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX has now referred me to the local bank branch, which has no authority to reimburse me for a fraudulent check. Rather than address the claim, Onewest has decided to direct me to " XXXX XXXX XXXX' in reference to my stolen funds. 

Onewest bank has lost {$1900.00} of mine and refuses to reimburse me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be updated and corrected soon : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> i inquired about purchasing a vehicle. I was told as it was a local bank, it would be soft inquiry on credit. I agreed to it. I'm disputing this as it has negatively impacted my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>, i inquired at XXXX for a VIP discount card as i was told that it's a soft inquiry. It ended being a hard inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX I was preparing for a trip. It explained dus ounts on trips. I applied online. I was not aware that it was a hard inquiry card. 

I dispute these 3 inquiries.
Product: Debt collection

Beginning late spring/early summer 2021 I began receiving collection notices from Resurgent Capital Services XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX XXXX Resurgent is a collection agency. I did not recognize the account on which Resurgent was collecting so I wrote to them asking for documents supporting their claim. Resurgent responded by sending two account statements, both showing zero payments. Resurgent sent neither a Cardholder Agreement nor any other document establishing me as being legally responsible for the account. Since Resurgent can not collect on an account for which it can not provide legal proof I again asked ( twice ) for these materials ; I even wrote to their CEO, XXXX XXXX. Resurgent never sent me anything other than the two account statements I have described. Bottom line, Resurgent has never provided anything to support its claim, but continues pursuing collection activities against me. Resurgent has even reported me to the XXXX credit reporting agency, causing my credit score to drop nearly 40 points.
Product: Credit reporting or other personal consumer reports

I have been disputing an account with Transunion regarding XXXX XXXX XXXX, a debt collector for XXXX XXXX  since XX/XX/XXXX. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as a fraud based on identity theft and provided the FTC report with a letter of dispute sent to XXXX XXXX XXXX debt collector to XXXX XXXX  to which I never received a response. I resubmitted the dispute because the year this account was opened, I was XXXX  with the XXXX XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX from XX/XX/XXXX. My release date was XX/XX/XXXX, XXXX. I provided the release documents provided to me by the facility 's warden when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that Transunion, and XXXX XXXX XXXX a debt collector fo XXXX XXXX  are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was XXXX. Please help me in getting this account removed from my reports as soon as possible. Thank you for your assistance with this matter
Product: Debt collection

Due to travel lockdowns during Covid-19 govt-imposed closure of cruise lines, airlines, countries closed, tours cancelled, etc..XXXX XXXX XXXX went for 2.5 years w no income, had to be XXXX XXXX  in XX/XX/2022, turned over and closed 11 credit accounts for collections ( with no way to pay the bills ), the stress was wrecking my health... had used all personal resources to pay bills for biz during pandemic. Had contacted all credit card companies to pro-actively address situation, only XXXX XXXX worked out payment program at zero percent interest for 36 months, which allowed me to pay off {$7000.00}. Have been dealing w each creditor as they serve me w court papers, negotiating repayment terms as I am able. 
Am receiving constant phone calls from " Portfolio Recovery? '' morning and evening... have calls coming in now on my cellfone, which I use for business. They keep asking me my date of birth? I do not give out personal information to unknown persons w accents calling from all different numbers, day and night. I ask them if they are calling to make XXXX XXXX, they say no. I inform them that they are reaching a business and not to call this number. They ignore this request and continue to harrass mr during my business hours. Am currently making payments to two other collection agents for XXXX and XXXX XXXX XXXX Delaware totalling {$320.00} a month. " Portfolio Recovery '' has not had the coutesy of even naming a debtor on whose behalf they are attempting to collect. I can not earn income to pay my debts if facing this kind of daily multi-call harrassment.
Product: Debt collection

XXXX XXXX WAS SOLD THIS DEBT BY SANTANDER CONSUMER USA SANTANDER WAS SUED FOR FCRA VIOLATIONS. SANTANDER WAS SUPPOSE TO REMOVE THIS DEBT OFF OF MY CREDIT REPORT AND IT HAS NOT BEEN REMOVED BUT SOLD TO XXXX XXXX. 
THE AMOUNT OF THIS DEBT IS {$17.00}, XXXX. 
This is not supposed to be on my credit report This has bought me great stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attachments why CFPB was setup please do not let this great system go away its protecting US Citizens helping us against the Bigger Companies : please fix all the FTC, FCRA, unauthorized Inquires, please see the good accounts paid in full that they dont list but, Just report the Negativities on a USA Citizens ... ... ... ... ... ...

Do they Company have United States BEST INTEREST at HEART!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my Law enforcement report from the Federal Trade Commission. Documents have been submitted to all credit bureaus.
Product: Payday loan, title loan, or personal loan

I took out a line of credit from Upgrade in the amount of XXXX dollars, due every XXXX of the month. On XX/XX/2022, Upgrade claimed to have not been able to withdraw the monthly amount of XXXX dollars, referred my name to a credit collection agency while Upgrade continues to withdraw funds out of my checking account at the same time. Just this XX/XX/2022, Upgrade made a withdraw in that same amount. I had to ( finally ) call my bank to stop payments on any transaction coming from Upgrade.
Product: Debt collection

Today ( XX/XX/year> ), I received a letter from Sierra Outsourcing Solutions ( my first letter ) stating I owed {$730.00} to XXXX XXXX. This is untrue. I called and spoke to them and they claimed to have sent letters to me notifying me of this so-called debt, which is a lie. I've here for nearly XXXX year and never received any information from them. But they put it as a collection on my credit report in XXXX, without any notification whatsoever and now lieing about it after I filed a complaint with my government representatives about XXXX XXXX claiming I owe them money when I do not. Suddenly, this letter pops up in my mailbox claiming I owe {$730.00} when it has gone to collection under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  in XXXX until XX/XX/XXXX. Someone opened accounts in my name fraudulently. I went through XXXX XXXX and XXXX to dispute these and these companies told me to report it to you also. The accounts are as follows XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX XXXX ( I was in XXXX XXXX ) XXXX XXXX XXXX accounts dates opened are XX/XX/XXXX, amount XXXX XXXX XX/XX/XXXX unknown amount, XX/XX/XXXX unknown amount ( also in XXXX for these dates ) XXXX XX/XX/XXXX {$550.00}, XXXX XXXX XX/XX/XXXX {$3500.00}. XXXX XXXX  XX/XX/XXXX {$460.00}, lvnv XX/XX/XXXX amount {$660.00} ( these are collections from dates I was in XXXX. Also two XXXX Massachusetts  addresses Ive never known or lived at. I attached my XXXX background check shows my dates I was in XXXX  and how much time I got. To show I was in XXXX. Along with my credit report.
Product: Credit card or prepaid card

In late 2016 I received an email from XXXX XXXX XXXX offering me XXXX bonus airline miles if I got their credit card and spent $ XXXX dollars with it within 3 months. Before applying, I called them to verify that I was eligible for the promotion, since I knew I 'd had a similar card at some point in the past. I was assured that I was qualified for the miles. I got the card and spent the money, noticing some time later that I had no bonus miles. 
I called XXXX XXXX XXXX to complain, they told me that I was NOT qualified for the miles, since I 'd had the same card in the last 3 years. They explained that they did not positively verify eligibility in advance, only AFTER customers get the card and charge the required amount. I feel this is fraudulent advertising. I cancelled my card immediately. 
Only now, XXXX XXXX XXXX has again sent me an email saying I could get the same bonus miles with the same card. This is something both they and I know I am NOT qualified to receive. This is a fraudulent offer. I 've attached a screenshot of the email I received today. It includes my XXXX member number as a reference. I 've also attached the final bill from my cancelled account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have information on my credit report that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attached I have been contacting these companies since XXXX of 2022, notifying them I am a victim of identity theft. I have sent proof of identity along with an identity theft affidavit yet these fraudulent accounts remain on my credit.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2100.00} ; XXXX XXXX XXXX  Balance Owed : {$6100.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit card

I contacted Amazon Chase at XXXX on XX/XX/XXXX and spoke to a general customer service individual. I requested that they reverse the {$190.00} interest fee on my Amazon Chase Visa that was charged on XX/XX/XXXX AFTER my account was paid in full and had a XXXX balance on XX/XX/XXXX. I was told that she attempted to reverse the fee and it was declined. She explained that I still had to pay interest on the balance that I carried from XX/XX/XXXX until XX/XX/XXXX. I told her that I specifically looked at my statement and paid the FULL statement balance so I should have paid off the card in full, as was evidence by my account showing a XXXX balance. She offered no further assistance, so I requested a supervisor. He repeated the same information. As far as I am concerned, this is fraud. If a credit card customer, in good faith, pays off the full balance of a card, they should not be subject to additional interest. After the call, I reviewed my XX/XX/XXXX statement that included the {$190.00} fee and found that they used an imaginary balance of {$9800.00} to calculate the interest owed which does not correlate to a balance at any point in time on my card. Amazon Chase is defrauding customers by assessing additional interest fees on imaginary charges after the customer pays off their balance. I have been told that I need to pay {$190.00} by XX/XX/XXXX to avoid a late fee of {$39.00} and the current interest fee will also be subject to 29.99 % APR if not paid in full.
Product: Credit reporting or other personal consumer reports

Account Name XXXX XXXX XXXX Account Number is XXXX I am writing to dispute the following inaccurate information that appears on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c ( b ), debt collectors are prohibited from communicating with third parties about debt collection without the consumer 's consent or a court order.

The information in question was communicated to third parties without my consent, in violation of this law, and I request that it be corrected or removed from my credit report.

Under 15 U.S. Code 1692c ( b ), debt collectors are only permitted to communicate with the consumer, the consumer 's attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the creditor 's attorney, or the debt collector 's attorney. Since this law has been violated in my case, I request a thorough investigation and immediate correction of the erroneous information. 

Enclosed with this letter are copies of my identification and any supporting documentation ( e.g., credit report, police report, FTC Identity Theft Report ) that support my claim. I appreciate your prompt attention to this matter and look forward to receiving confirmation that these items have been corrected. 

Please send written confirmation of the results of your investigation to the address provided above PDF that i uploaded. 

Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

I have attached the proper information to display the balance with XXXX XXXX is now XXXX. I am requesting that my credit profile is accurately updated to reflect the balance of XXXX. I have made all payments with XXXX and XXXX, who purchased the debt from XXXX XXXX. I have also attached copies of letters they've sent me via mail displaying what they were deducting from my account. This is to verify that XXXX and XXXX stated they are representing XXXX XXXX. I have also attached the billing statement displaying what has been deducted from my account which is the final payment needed to zero out the balance with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX  regarding an account being reported by CREDIT CONTROL CORP ( Original Creditor : XXXX XXXX ) XXXX The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX & XXXX deleted it from my credit report but XXXX failed respond to any of my complaints, ignored my request and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report and until this day the information is still being reported inaccurate and false information is being reported.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : :, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, and Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX has violated my rights. 
XXXX  15 U.S.C. 1681 Section 602 A, states I h the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 years.

XXXX  15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance : {$4900.00} ), XXXX XXXX ( Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$160.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$83.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$100.00} Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.