23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce within 10 business days stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This will is a Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any  further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Product: Credit reporting or other personal consumer reports

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. 

Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. 

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. 

Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions
Product: Debt collection

I was turned into collections by Credit Management CO acct # XXXX for a medical bill at XXXX Hospital. I have never visited XXXX Hospital before. The account is not in my name or birthday but it is my SSN. I can supply them with my Social Security Card to verify it is not me but I ca n't get this taken off of my credit report. My credit score has dropped XXXX points because of this fraudulent bill.
Product: Student loan

This Loan was included in my bankruptcy. 
The Trustee in the bankruptcy said this loan was approved to be discharged in bankruptcy, but Mohela & US Dept. of Education refuse to see that. They say I did not supply a " Hardship Test '' If US Dept of Education and Mohela felt there was an error in the Bankruptcy Case they were to respond as any other creditor would half to by the date determined in my case file. This was established in the Ninth Circuit under XXXX argued XX/XX/XXXX and Decided XX/XX/XXXX. 
This student loan has been on my credit report since XXXX posted by Mohela and even listing late payments after XXXX, the bankruptcy occurred in XXXX and therefor should not be on my credit report stating any late payments at all.
Product: Debt collection

I sold a vehicle to a private party in XX/XX/XXXX. After selling the vehicle I cancelled the registration and insurance a few days later. The vehicle was then involved in a motor vehicle accident 2 years later, on XX/XX/XXXX. XXXX claims I am liable for damages as a result of the XXXX accident and AFNI has been calling me and sending collection letters to me on XXXXXXXX XXXX behalf. I have spoken to representatives at AFNI on several occasions and emailed them proof of the cancelled registration/insurance, twice. On a follow up phone call, they claimed my name was cleared from the claim, yet I continue to receive threatening letters from them.
Product: Credit card or prepaid card

The Capital One Auto Finance account with the account number XXXX was marked as Charge-off with an identified balance of {$15000.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XX/XX/2019 I made the mortgage payment through XXXX 's website. The next time I signed in to pay my XXXX payment, I received a prompt that my mortgage was going into foreclosure. I called them immediately and they said I had not made XXXX 's payment. I checked my bank statements and realized the money was never transferred. I made the payment immediately and made both XXXX and XXXX payment. My credit score has dropped over 100 points because of this. I made multiple attempts to get this resolved. 

In addition, on my XXXX report it states I was late in XXXX and XXXX of 2019. I called XXXX about this and they said there were no late payments in XXXX or XXXX on my records. I asked them if can they provide proof of my on time payments so I can clear it with XXXX. They said they will not send me anything.
Product: Debt collection

My name is XXXX XXXX. I am a Natural Person. This complaint is in reference below Reference Account XXXX SST, a third party debt collector reported to my consumer report an alleged debt that they have not provided validation of. They also violated my rights under the FDCPA as a consumer, attachments will be provided. There is minimum of 3 violations per each communication received and I have in total 30+ communications resulting in over 90 violations of the FDCPA. 

Further more, as required by 15 USC 1692g ( a ) 3 and ( a ) 4 of said subchapter, SST failed to provide me with notice that I can dispute the validity of alleged debt within 30 and that if I failed to do so they would assume its validity. 

I did not give authorization to debt collector to communicate with me the Consumer as stated in 15 USC 1692c. 

This company reported an alleged debt they have yet to prove, resulting in a XXXX point decrease in my Consumer Credit Score. I have no Contract with this company. As a result of this action it has harmed my name, credibility and creditworthiness which in turn effects how I support my family. Action I do not take lightly. 

Due to the willful violations of the FDCPA ( over XXXX ) and the failure to validate or proof this debt exits as well as produce a contract that binds me and Systems and Services Technologies. This debt doesn't and hasn't been proven to exists. 

Since they have made an allegation that I, the consumer owe a debt, This company shall provide the following : XXXX ) Legal Contract between myself and Systems and Services Technologies , Inc exists. 
XXXX ) Proof of said legal contract. 
XXXX ) Proof they are in possession of Original unmarked Security Instrument bearing my signature XXXX ) Confirm or deny to having brought alleged debt from original creditor
Product: Debt collection

I ordered a strobe light from XXXX who received the money from affirm 2nd party. XXXX XXXX XXXX. I found out it was a scam so I canceled my payment. I never recieved the strobe light. The strobe light was returned by the postoffice. I txt affirm and told them. The stroblight was returned to XXXX by the US postoffice. and I was not going to pay. They did not care. They turned it over to a collection agency and they turned it over to the credit bureau and it on my record and damaged my credit. I need this to be removed. Affirm will not remove it from my credit.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, which has resulted in fraudulent inquiries appearing on my credit report. I request that the following inquiries be blocked and deleted from my credit file under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) .Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX XXXX is a collection agency that acquired debt from XXXX XXXXXXXX XXXX They are seeking to enforce XXXX XXXXXXXX XXXX rights against me, even though I have no agreement with them. XXXX, XXXX XXXX XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX, XXXX, XXXX XXXX XXXX XXXX shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, or Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt of { { {$2000.00} } } in order to file as ordinary income. Where is my 1099-C XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of XXXX as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. 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, non-written, verbal, and non-verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. I demand that XXXX XXXX XXXX XXXX XXXX XXXX cease and desist all collect activity concerning my account number XXXX immediately.
Product: Credit reporting or other personal consumer reports

Attached to this complaint theres proof of violations of the FCRA and Privacy Act of 1974. TransUnion is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported were fraud. Under 15 U.S CODE 1681, There is need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy, and 15 U.S CODE 1681a ( A ) 2 Exclusions ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S CODE 1681c No adverse items besides the conviction of crimes should be on your report any item that is derogatory mark is not allowed into consumer reports this is another violation. SAID company is securitizing consumers data and is liable under the SEC to follow certain rules. TransUnion Commission File Number is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX as the Trustee. TransUnion negligences has caused a severe impact on my life, they should take responsibility.
Product: Mortgage

Bank of America wants me to notarize home modification papers for the 6th time. I informed BOA customer service and customer representative to resolve matter, to send me written letter on how to resolve matter. I asked if I could record phone conversation and was told " NO ''. So I ask of them to send written letter of resolution to solve problem specifically to state that this would be the last time that I would have to notarize modification papers. Waiting on resolution letter from BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this fraudulent account from my credit report as soon as possible. I did not authorize anyone to use my account and I am not aware of these accounts. This is causing me a lot of stress and anxiety, and I am begging you to take immediate action to remove this inaccurate information from my credit report.
Product: Bank account or service

My debit card from Bank of America was stolen on XXXX/XXXX/2015 ( going by the account activity ). The person who stole it knew my pin number and also gained access to my online account and changed my password. I have absolutely no idea how these people obtained all my information. They deposited a check for {$3300.00} on XXXX/XXXX/15. Even though the signature in the back of the check did n't remotely resemble mine and I do n't believe they could have provided a valid ID, the funds were made readily available without a hold. These funds were used to make several purchases. When the check came back for insufficient funds and was debited from my account on XXXX/XXXX/15, the account balance went down to - {$1000.00}. The bank continued to approve purchases and debits for XXXX additional days until I finally realized my debit card was missing and I called them to notify them. By then, my account balance was - {$3500.00}. They said they would open an investigation that would take up to XXXX days and the very next day I received a letter saying they had completed the investigation and found there was " no error in the instance '' and I was now liable for all that money. So their investigation took one day during which no one contacted me to ask me anything. I filed a police report on XXXX/XXXX/15 because someone from the bank asked me if I had filed a police report. I filed it late because this had never happened to me before so I did n't know what I had to do. The bank alleges they called me on XXXX/XXXX/15 to verify the charges and I said they were ok. I do n't remember ever getting that call. When I asked them for a copy of that conversation they said they could n't give it to me because only the police had the right to ask for it. I have left a few messages for the police investigator that was assigned to my case that have gone unanswered. In the meantime I ca n't open an account anywhere else, I ca n't deposit my work checks anywhere and my credit has been compromised. I think the bank should n't have accepted the initial deposit of over {$3000.00} without proper identification and without verifying my signature. They should have at the very least put a hold on the check until it cleared. They also should have detected the unusual activity in my account and taken the proper steps to alert me of the situation. I need help please! Who should I contact? Who regulates the banks? 
I want to clarify that the only reason the bank reopened the investigation XXXX was because I called them to tell them they were wrong and they needed to investigate further because I did not make any of those charges. As far as they were concerned their so called investigation was resolved in XXXX day. Never, during any of their XXXX investigations I was ever contacted by anyone to ask me anything at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has consistently misreported my credit usage! After bringing my credit card balances down to below 30 %, XXXX has not changed my credit usage in 3 MONTHS!!! This is wrong and a violation of the Fair Credit Reporting Act. XXXX NEEDS TO CORRECT THIS IMMEDIATELY or I will file a complaint with the Attorney General 's Office in the state where their corporate office is located. They have 30 days to correct this then I will file an additional complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found a collections account from XXXX XXXX, stating that I openen an account with them on XX/XX/2021. And I have never opened an account with them.
Product: Checking or savings account

Filed dispute for ATM error for non-dispense on XX/XX/ for {$320.00}. Was told if investigation took too long I would receive temporary credit on XXXX  Contacted merchant on XX/XX/ and merchant confirmed that ATM error did in fact occur. XX/XX/ XXXX Chime contacts me via email and says their investigation determined no error occurred. I'm writing this to inform that Chime ran a fake investigation into my dispute and denied my legitimate claim on the very last day at the last minute. Chime is causing me financial hardship and refuse to give me my due compensation.
Product: Debt collection

I switched from XXXX to XXXX XXXX  years ago because of a promo ( {$500.00} each gift card per line ) for switching. 
During the telephone conversation with the initial agent from XXXX who onboarded me, I distinctly asked on a recorded line about cancellation policy and was informed that I can cancel at anytime without incurring any fees or charges. At no time was it ever explained that if I cancel within a certain timeframe I would be responsible for XXXX  gift card provided upon signing up. 
I genuinely was exploring XXXX service however the signal at home was very inconsistent and when we travelled overseas we incurred roaming fees. Sending this account to collections for a {$1000.00} gift card is a very deceptive practice, given that this was never explained to me at any point during onboarding or after. XXXX is ultimately responsible however this collections company Transworld Systems Inc needs to refrain from harassing me for an unethical collections item.
Product: Credit card or prepaid card

Discover Credit Card Copy of the letter and today 's conversation. 
Attn : Billing Inquiries XXXX XXXX XXXX XXXX, Az XXXX Notice of disputed charge to Account No. XXXX Dear Billing Inquiries Division : I am writing to dispute a charge of [ {$100.00} ] to my [ credit card ] account. The charge is in error because I called on XX/XX/XXXX and asked for the payoff/total amount owed to make a one-time final payment, I needed to provide the balance information to my bank to obtain a personal loan to pay off my XXXX and Discover cards. The interest for my Discover card is higher and I wanted to pay it off in full. When I called on Saturday XX/XX/XXXX XXXX told me the balance and advised that she will lock the total amount owed until XX/XX/XXXX, the amount owed was {$5900.00}. 

{$5900.00} {$25.00} Rewards -- -- -- -- -- -- -- -- -- -- {$5800.00} Total Balance Owed.

I was able to do my loan on Saturday and received the check on XXXX, I called on XX/XX/XXXX to make the payment over the phone and XXXX hang up my call at XXXX p.m. I had to go online to pay the total amount owed on XX/XX/XXXX. 

I called Discover card today to confirm my payment and Discover Card has changed my amount owed, Discover has no respect and was not honest at the time I talked to the Customer Service Representative, this lady gave me the Total amount owed on Saturday XX/XX/XXXX. XXXX gave me my balance owed of {$5900.00} and advised me that my total balance will be locked until XX/XX/XXXX. Then XXXX hangs up the call. On XX/XX/XXXX I went online to pay the entire balance and find out that the Discover Customer Service person lied about my balance, your company should be responsible for lying and not being honest. I am aware of your bad Customer Service, have no manners or knowledge of any professionalism, your company lies to customers, and for XXXX XXXX dollars you prefer to lose a customer that has been a customer for more than 22 years. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
I have taped the conversation, and I will take it to court if necessary, or to the Better Business Bureau or the Treasury Department 's Office. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I applied for a credit card wit h Wells Fargo  on  XXXX  2017. At t he time of the application I had a credit freeze on my credit report. I forgot to unfreeze it prior to the application. I received an email stating that the application was denied because my report could n't be accessed due to the freeze. I unfroze my reports then chatted with a customer rep to ask if I needed to fill out another application or if the initial application could still be considered. I was told to fill out another application. I asked if they were sure that the system would n't recognize it as a duplicate I was told no and to fill out another. I proceeded to fill out another application. The app went into a pending status. When I called for a status update it says app was denied because I just applied. Exactly what the customer rep told me would not happen. My  XXXX  report was pulled on  XX/XX/XXXX  for consideration of the first app. On Friday  XX/XX/XXXX , i was informed that the initial application was denied due to high balances and additional reasons. On  XX/XX/XXXX  my   XXXX   credit report was pulled TWICE ag ain by Wells Fargo. I ca lled to find out why my report was pulled twice the day after my app was declined. I spoke with  XXXX  at  XXXX  who told me all they could do was put in a request to    XXXX    to have  XXXX  of the inquiries removed but that it would not be gauranteed to be removed but admitted it was an err or of Wells Fargo. T his was an e rror on Wells Fargo pa rt and those inquiries should be removed. If my app was declined on the  XX/XX/XXXX  and was not being reconsidered they did not have permission to access my report twice by the same credit bureau again the very next day after the app was declined. In summary, I have   XXXX   unauthorized credit inquiries on my  XXXX  report both dated  XXXX   XXXX     2017 an d I want them removed.