23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TransUnion is in violation of Violation of 15 USC 1681b ( 2 ) Permissable Purpose and violation of 18 USC 8 Violation of HJR 192 and Public Law 73-10 TransUnion is in violation of my 5th amendment, violation of due process- equal protection under the law, Violation of 15 u.s.c 1681a
Product: Money transfer, virtual currency, or money service

I have had so many issues with cash app, and especially getting help through cash app support. I have had everything from unapproved transactions appear, unapproved, sending money from my account to other accounts and potentially scam and/or fraud on my account. Reaching out to Cash App support has been extremely difficult, they never are able to help with the information that I request such as Proof of these transactions and or statements. I have had issues dating as far back as XX/XX/year> that still have not been resolved. When attempted to get help from cash app support they are never able to give me a definite answer on how to address the issue, or they say that theyre unable to do that, theyre never able to return my money or even help fully file a complaint and process it. Ive even gone to the extent of contacting local authorities and creating police reports. these are just issues that Ive had under this cash app account with the email address : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Portfolio recovery sold this account number on XX/XX/2018 even though they sold this account number they are currently after 5 years reporting to my credit report as if they are still in ownership of this account number. Ive reached out to them multiple times to delete this inaccurate and unfair reporting from my credit report and they have failed to do so. Ive contacted them through Cfpb already and nothing has been done. They are admitting to selling the debt but its still reflects on my report inaccurately. I ask that this account be deleted immediately due to unfair inaccurate and misuse of credit reporting. Which is a violation of my rights as a consumer.
Product: Debt collection

Recently I reviewed my credit reports from XXXX and XXXX and noticed that Phoenix Recovery Group is reporting a debt on my credit reports that I do not owe. I 've sent them certified letters requesting that they validate this debt. I received a letter from them in XXXX XXXX with a signed copy of my lease and documents stating that I owe monies for rent in XXXX XXXX. I sent Phoenix Recovery Group another certified letter which they received on XXXX XXXX, XXXX presenting them with an email that I received from the Property Manager confirming that he was in receipt of my apartment keys on XXXX XXXX, XXXX. I moved into my new apartment on XXXX XXXX, XXXX which I have the lease for this. How can I owe a debt for the entire month of XXXX if I returned the keys back to them on XXXX XXXX, XXXX? 

I have not heard back from them in regards to the email that I sent and was received on XXXX XXXX, XXXX. After further research I found of that this company is not even legally licensed to collect debts in the state which I 'm a resident of, FL. In addition, they have falsely misrepresented themselves as my credit reports list them as a Collection Agency/Attorney. 

I contacted XXXX XXXX XXXX to advise him that they are reporting incorrect information on my credit report and that I want this removed especially since they are not licensed to collect in FL, not Phoenix Recovery Group or their parent company. 

I have recently been denied credit because of this collection account, this is damaging to my reputation, as I am in the process of starting my own business and this debt haunts me.
Product: Debt collection

On XX/XX/XXXX between the hours of XXXX my vehicle was seized, and held by Exeter Finance LLC XXXX with a partnering tow company XXXX XXXX XXXX less than 2 days after I filed a complaint with the CFPB for a null contract that I attempted to have rescinded with them and all my payments returned. When I discovered their attempt to defraud me out of payments by a clause in the contract, and attempted to demand remedy by way of refund, and return of title, they then denied my attempts to in good faith recover what was mine to begin with. I in turn filed a complaint with the CFPB to attempt to have mediation in the situation so that it may be remedied lawfully, and all that is due to me including damages be returned. 

I have then since received mailings from the company claiming to have lawful right to the collateral, and a notice of a their plan to sell my car which they have no lawful right to do so per : 15 U.S Code 1692f Section 6 which states : Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 

My attempt to make them aware that the contract was null due to false or misleading representations have just been met with denials by the company with no actual lawful precedence that they are within the scope of the law with continuing to pursue collection for a debt already paid in full upon purchase. 

I have not received any lawful mailings of judgement, lawful lien holder judgement from the company XXXX Exeter Finance LLC ) or the partnering company XXXX XXXX XXXX XXXX ) that will allow them to be able to lawfully seize and hold my car, while denying my right to redeem my vehicle from the tow lot of the partnering company XXXX XXXX XXXX XXXX ). I have performed a search for any liens or judgement placed on my vehicle by the company in state the vehicle was purchased which gives them the right to my property ( car ), and I have found none since the vehicle was purchased on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF EDXXXX US DEPT VETS DEPTEDXXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX US DEPT VETS DEPTEDXXXX XXXX  XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF EDXXXXT US DEPT VETS DEPTEDXXXX
Product: Credit reporting

Experian and XXXX have failed to remove inaccurate information from my credit file. Furthermore, there inaccurate reporting has caused an undue hardship with my work life an living arrangements. Specifically, Experian continues to report a charged-off account, which I am no longer liable for, and the account is also legally past the 7 year reporting period and has also been removed from the other XXXX major reporting credit reporting companies. Additionally, XXXX continues to report a bankruptcy that has been dismissed and is past its legal reporting time period, his reporting inaccuracy continues to cause me an undue hardship.
Product: Debt collection

I have continuously sent requests to this company without a response. I have no idea who this company is and there is no way they can produce any contract between them and I where I agreed with anything with them.

Dear NCB Management Service You are claiming I owe you a debts which is inaccurate. Please provide me validation of this debt immediately. 

( Account Number : XXXX, Account Types : Debt Buyer ) As you are no doubt aware, invalidated information must be removed from my credit reports immediately. Please note that I am not concerned with verification of this debt. Send me validation at once.

From the date you receive this letter, cease and desist from reporting this information onto my credit reports. Continuing to do so violates my rights and I will take action against you.

In your validation response, provide me with the following : 1. A description of what the money you are alleging I owe you is for.

2. A detailed reconciliation of this account and how you have calculated the amount you claim I owe you.

3. An explanation of who the original creditor is, when this account was last paid to the original creditor, and an originating document.

4. Proof that the statute of limitations on this account has not expired.

5. Include your license number ( all of them ), and your registered agents information.

6. The original purchase agreement related to these accounts.

7. The chain of assignment documenting the transfer of these accounts from the original creditor to the current creditor.

8. The bill of sale detailing the sale or transfer of these accounts.

9. Validation of the debt, including any supporting documentation that verifies the accuracy and legitimacy of these accounts.

Immediately cease reporting of this account during this validation period in accordance with the law and make no further attempt to contact me regarding this account other than to notify me of your error by regular postal mail. I am closely monitoring and cataloging all communications with your company. If you do not have validation or your records indicate you are attempting to collect debt in error, send me a response stating this and immediately remove this account from my credit reports. If you continue to report inaccurate information, you are in violation of section 807 ( 5 ) of the FDCPA and FCRA rule 611 ( a ) and subject to a fine of {$1000.00} per violation which I intend to pursue if necessary.

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 604 ( a ) ( 2 ) which states I have the right to privacy. Furthermore, under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

If you do not have the requested validation documentation or your records indicate you are attempting to collect debt in error, send me a response stating this and immediately remove this account from my credit.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Upon reviewing MyFico 3 in 1 consumer credit report for the month of XXXX, it is reflecting that XXXX, TransUnion and XXXX is reporting three different balances and three different account numbers for each of the 14 student loan accounts listed below. According to the ( FCRA ) Fair Credit Reporting Act, these credit reporting agencies are required to report 100 % complete and accurate information. Since these credit reporting agencies continues to report inaccurate information, I am requesting to have these accounts removed from my credit reports immediately. Attached you will find a copy of my credit report and my identification for your review. Please assist me in rectifying this issue. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 1 account name XXXX XXXXXXXX XXXX Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX date open XX/XX/XXXX XXXX account name XXXX XXXXXXXX XXXX Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX  Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX XXXX Account number XXXX XXXX open XX/XX/XXXX XXXX Inquiry name XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX 1 Inquiry name XXXX Inquiry date XX/XX/XXXX XXXX Inquiry name XXXX XXXX Inquiry date XX/XX/XXXX - [ ] 15 U.S.C 1691 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS REFUSED TO DELETE A COLLECTION ON MY REPORT THATS BEEN IN THERE FILE OVER 27 YEARS. FEDERAL LAW THIS COLLECTION TO BE DELETED AFTER 10 YEARS. 

THE COLLLECTION ACCOUNT THATS BEING REPORTED IS : XXXX/XXXX ACCT # XXXX SINCE 1991
Product: Credit card or prepaid card

I have a prepaid XXXX that has not been used but it is expired. It is within the five years of the expiration date of XX/XX/2020. The company, " XXXX '' refuses to speak to me about retrieving the money or replacing the card because it is expired. I need assistance with getting the funds from the card.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian for its failure to remove a fraudulent XXXX  XXXX XXXX ( Acc # XXXX, date opened : XX/XX/year> ) account from my credit report, despite clear evidence showing it is the result of identity theft. The account was REINSERTED without the proper notification, which left me confused and frustrated, as I had believed the issue was already resolved. I never opened or authorized this account and have provided a police report along with supporting documentation to prove my case. Both XXXX and XXXX reviewed the same evidence and deleted the account, yet Experian continues to report it. This demonstrates not only a lack of diligence but also a failure to meet its legal responsibilities under the Fair Credit Reporting Act. Experian is violating 15 USC 1681b by reporting information without a valid purpose, 15 USC 1681e ( b ) by failing to ensure accurate reporting, and 15 USC 1681n for its noncompliance, which may be either negligent or willful. The ongoing presence of this account has negatively impacted my financial health, credit score, and overall peace of mind. I am requesting that Experian take immediate action to delete this fraudulent account and ensure future compliance with federal regulations. If this issue is not resolved promptly, I am prepared to escalate the matter through legal avenues to seek proper accountability. Please address this matter as a priority.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three old accounts that are not supposed to be reporting on my credit. In XXXX, I was laid off and unemployed for several months. I notified my creditors accordingly and while they still reported me delinquent on my credit, they agreed to work with me in the future once I paid back my debt. Only until recently in XXXX this year, I was finally able to pay off my accounts in full. Since I communicated my situation with my creditors for months, three of my creditors ( XXXX, XXXX and XXXX XXXX ) all agreed to request a deletion to the credit bureaus of my charged off accounts after I made my payments. The account number for XXXX is XXXX. The account number for XXXX is XXXX. The account number for XXXX XXXX is XXXX. Three months later, it is now XXXX XXXX and this credit bureau still has not honored my creditors ' request to delete these three accounts from my report. I have disputed this delay with the bureau but they are responding back only stating that the accounts have been verified. That is not even my dispute. I know these were previously my accounts. I am disputing the fact that my creditor sent a deletion request and the credit bureau has not made any changes to my credit. Just to be sure I 'm not being given the runaround, I called all three companies, XXXX, XXXX and XXXX XXXX this week and they confirmed to me they already made the request for deletion to the credit bureau in XXXX. This is clearly a problem and this is why I am filing this complaint.
Product: Checking or savings account

XXXX someone stole and used my debit card to deposit fraudulent checks into my account and withdraw XXXX from the atm over the 2 days. I notified the bank as soon as I received a text from bank my account had been overdrawn which was the very next day. The bank then froze debit card and put fraud block on account. They told me they would investigate and I dont need to do anything else and issued me a new debit card. I ended up calling the bank over 10 times and going into a branch over 5x to resolve this matter. My home branch opened a new account for me as I was a long-standing customer with excellent history and told me that I could use new account while their back office investigated the fraud. The branch forwarded my police report over to XXXX back office twice and opened two new disputes. I get letters In the mail saying its consistent with regular activity despite me immediately notifying them it was fraud and I have never once used my card at the atm they told me the funds were stolen from. The bank has also taken all money that I deposited into the new account that was to be used for my bills although the branch told me the new account was safe. The bank has been doing collection calls as if this is a debt for me but this is fraud that was reported IMMEDIATELY after it began. The fraudulent checks also bounced so much account is negative and I am not liable for this. I have agreed with the bank to help them with criminal prosecution and gave them everything they requested. Please help me! They should not be taking my money and it needs to be returned to me and I also would like my account ( old or new ) back in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The platinum card ending has been settled on XX/XX/XXXX to the collection agency Amex has assigned but on XXXX  credit report shows updated on XX/XX/XXXX with balance of {$1500.00}. Are you still going to say that the Amex is reporting correctly? If you collection agency didnt report to Amex in timely manner its not my fault. This email is in reference to an ongoing issue. I am very frustrated as I have been going back and forth with your American Express and sadly no concrete outcome has been made. Please see the attached documents from both credit bureaus XXXX  and XXXX  that show American Express reporting incorrectly missed payment when there is no balance due. 

I request you to please research the incorrect reporting from American Express 's end and help resolve this issue. Unfortunately, reaching out to the credit bureau directly is not solving the issue because I am being told that the discrepancy is from American Express end. 

XXXX  : Amex Blue Cash & Delta Skymiles account on XXXX  shows completely wrong information as these account were opened up on XX/XX/XXXX and charged off on XX/XX/XXXX and as per the details provided by Amex representative but on the credit report it missing the payment history from XX/XX/XXXX through XX/XX/XXXX, This account was fully paid in XXXX and reported to XXXX  as paid in full but is still showing negative for the month of XX/XX/XXXX which is an error. 

XXXX  : Amex Blue Cash card is still showing on XXXX  as charged off but no update on to the payment status being paid in full and after speaking to the XXXX  's representative today they advised me to check directly with American Express because only Amex could send the update as charge paid in full. 

Amex Delta Skymiles card is still showing on XXXX  as charge off but no update on the payment status and showing the major delinquency in XX/XX/XXXX. 

In summary, I am requesting you to look into the matter on an urgent basis because due to these error reports by Amex I am hurting both mentally and financially. 
I am requesting you to please assign someone to handle all these issues and send me an update by fixing or removing from the credit report. 

Please feel free to forward this to the correct
Product: Credit reporting

The following information is incorrect and is recorded on my Trans Union Credit report - several years ago ts same report had shown up on my XXXX Credit Report and I sent an online dispute and the item was removed - showed same amt and creditor but had an open date of XX/XX/XXXX and an address was a rental property in XXXX I owned XXXX years ago. I have tried to call XXXX and no answer - just loops - and I have written with no response. Tis is NOT my account -- and info is over XXXX years old!! HELP. XXXX XXXX XXXXAccount DetailsLast ReportedXX/XX/XXXXCollection AgencyXXXX XXXX Original CreditorXXXX XXXX XXXX XXXXStatus OpenOpened Date XX/XX/XXXXClosed DateResponsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Placed for collectionCreditor Contact DetailsXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXSee something wrong? 
Learn more about how to dispute
Product: Student loan

Aidvantage has incorrectly calculated my monthly loan payment, increasing it from XXXX  XXXX prior to the freeze, to now XXXX XXXXXXXX with XXXX explanation. My income has not significantly changed. Additionally, they have been completely unavailable to get ahold of and I havent been able to connect to anyone to find a solution or exit the Income Based Repayment plan.
Product: Checking or savings account

My sister and I went to the bank to close my deceased mothers checking account at the Wells Fargo branch. They would not release all the funds because they stated an annuity disbursement was posted 2 days after her death. I told them it was signed by my mother before her death and the systematic withdrawal occurred before her death. They requested I send them proof, which I provided to them. I received a notice from them today now I need a short certificate which means it has to go to probate. The account was a paid on death to the beneficiaries and the banker had the power of attorney documents and trust documents in front of him. They are still refusing to release the money without it going to probate.