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

This is my 4th request trying to resolve this issue with Experian. I submitted a response a couple of weeks ago and Experian closed my CFPB file without requesting the additional document through CFPB. ( XXXX XXXX ). Instead, they closed out CFPB and mail me the request for need a copy of the utility bill. Please reopen the case.
Product: Credit reporting or other personal consumer reports

i am writing to formally request the immediate removal of inaccurate information from my Transunion credit report under the Fair Credit Reporting Act ( FCRA ). The following accounts and inquiries are listed incorrectly and are causing significant harm to my credit worthiness. I have previously disputed these items with Transunion, the items still remain on my report. The continued presence of these inaccuracies is a violation of my rights under the FCRA. I kindly request that the Federal Trade Commission intervene to ensure that Transunion remove these inaccurate items from my credit report immediately. The erroneous imformation is adversely affecting my ability obtain credit and causing undue stress. Thank you for your prompt attention to this matter. i look forward to a swift solution. My information was also sold and bought illegally because I was a victim of the + XXXXdata breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. ( 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 ( i ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the XXXX of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Product: Credit reporting or other personal consumer reports

We have a active installment account with XXXXXXXX XXXX  through green sky LLC we have made our payments on time every month for five years. Our sales rep has our credit card and has made our payments at the end of the month every month however, with green sky no longer in business. They have changed over to XXXX XXXX and they are not able to access or change our credit report to reflect the payments that were made for XXXX and XXXX dropping our score almost XXXX points right in the middle of buying a house. 
XXXX XXXX / XXXX XXXX for XXXX, and XXXX dropping our score almost XXXX points right in the middle of buying a house.
Product: Credit card or prepaid card

i have a capital one card were i pay XXXX monthly and i had XXXX XX/XX/2018 which is causing me to have complications afterwards during my healing process. please forgive me due to this set back that is beyond my control.
Product: Debt collection

XXXX XXXX and their collection agency ( Hunter Warfield, Inc ) have been continuously harassing me since XXXX for a fraudulent application to their company. I am a VICTIM of identity theft in which I have been fighting since XXXX, and not just the evil bad people doing this to me, but the companies that keep allowing this to happen to me because they clearly dont take FRAUD/IDENTITY THEFT seriously. 
I have filed so many FTC reports against XXXX XXXX and their collection agency ( Hunter Warfield, Inc ) since XXXX but clearly they think this is a joke and CONTINUE TO HARASS ME! 
Companies like XXXX XXXX and their collection agency ( Hunter Warfield, Inc ) clearly don't care if innocent people like me have FRAUD ALERTS on MY CREDIT REPORT and MY CREDIT FROZEN, they just give the evil bad people credit in my name and then come after me, the innocent VICTIM!
Product: Credit card

I made a purchase on XX/XX/year> including gift cards and decorations plus misc repair items. Because of the gift cards I had to present my drivers license to the store cashier and manager prior to completing the transaction which was done. I then received a text to call the credit card company. I was then told a copy of my license and utility bill was needed to prove it was me who made the charge. I thought it was fraud and asked for something in writing. My card was frozen and I did receive a letter. I called the credit card company and advised that I already had shown my license twice. I also expressed my concerns with my ID on some system. I previously had my identity stolen with fraudulent charges and the only way the damage was minimized was because the crooks did not have my ID information. I advised the company that I made the charges. The amount is still on my bill which I am making payments. If there were concerns about whether I made the charges, the company should have taken the amount off the balance which has not been done.
Product: Debt collection

This company ( SunUp Financial LLC ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Man with my XXXX Given name ( XXXX XXXX : House of XXXX ).

1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had 3 accounts put into collections with Portfolio Recovery Associates. I had one last account which I paid off my last account on XX/XX/2022 in the amount of {$320.00}. The account was removed from my account about 2 weeks later. I then noticed that on XX/XX/2022 they added false information back according to my XXXX XXXX They added that I owe an account balance of {$16.00}. This brought my credit score down XXXX points. I contacted the company and they confirmed my previous accounts are all {$0.00}. I asked who should be contacted about correcting this false information that was added and the agent had no answer for me, only that he didnt handle credit reporting. He didnt tell me who in the company would. I feel like there should be some type of compensation or something done because this has hurt my credit due to no fault of my own.
Product: Student loan

My original student loans were consolidated through XXXX XXXX which was bought out by XXXX. I started getting emails from student loan advocates stating they could have my student loans forgiven. I initially filled out the application for this but after looking ito it and speaking to XXXX about it is was found to be not in my best interest. I contacted the fed loan progran and told them i did not want there services and not to go through with the consolidation of my loans. It happened anyway and I was right it was not in my best interest to go with them, as they are now sending me threatening e-mails saying they are going to garnish my wages and report bad info to credit bureau. I was told i have to pay XXXX dollars in a couple of days to this third party or they will start actions against me. I want nothing to do with this company and need any help you can provide. I have contacted the XXXX and they are helping me get my loans back to the original company who also tried to help me in this matter but did not act quick enough. When I tried to call the numbers given to me all they said was pay or else and hung up. Yes I got mad on the phone and probably said some thing i probably should n't have but who would n't. Please help
Product: Debt collection

Equifax, Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am allowed to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
*Please provide breakdown of fees including any collection costs and medical charges. 
*Provide a copy of my signature with the provider of service to release my medical information to you. 
*Cease any credit bureau reporting until the debt has been validated by me.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your companies failure to comply with federal consumer protection laws. This dispute is in direct reference to the recent enforcement action taken by the consumer financial protectionBureau. ( CFPB ) against Experian for engaging in sham investigations and failing to properly address consumer disputes.
Product: Credit card or prepaid card

They have increased my monthly payments of {$50.00} to {$160.00} per month for no reason. My balance is {$1500.00}. There is no way any company can justify ripping off a customer this way this is horrible what they are doing it needs to stop and they need to be sanctioned for it. Also they did not cancel a charge to my account that I did not make some person from Arkansas made for {$17.00}. They still haven't done anything about that at all. Seems like their customers are just foder for theives to cash in on and get away with it. I think they need to be investigated for this nonsense.
Product: Checking or savings account

I filled a dispute with sofi bank checking account and explained that the transactions on Mt account were not approved this is been happening for awhile. I thought I finally figured out how someone was stealing money from my account. I told the bank that all the transactions that were made have used the same terminal id 's which is I think are portable terminals like they have ar XXXX XXXX  over XXXX  in XXXX For instance XXXX  is one of the terminal id 's and XXXX is another terminal ID which is not correct because they are all supposed to have a number in them and XXXX is just unusual as well. I called the bank and told them and they supposably did investigation. They say that if the dispute is longer that 10 days they would put provision credit on my account in which they never did .Than it happened again or did it? I think they did do the XXXX  credit but subtracted instead of added. The first dispute was XXXX XXXX and XXXX dollars that was for XXXX months before the second one which it looks like they subtracted instead of added. Same amount that's odd but when I call the number it seems like they don't put in the right information. I think someone like the thief 's are remoted to my phone which I gave permission one time to help me fill out some paper work at XXXX XXXX  in XXXX XXXX XXXX  a loan place. I didn't think that they elwould stay remoted to my phone. I did not give them permission after the visit to there office to stay remoted now that I think about it why did she want to remote to me when I'm sitting across the desk from her. So I think that there involved with remoting to peoples phones and staling from them instead of helping them they are hurting them. I don't know that much about it but someone keeps stealing from my account and when I start reporting the theft the bank doesn't give me back my money I don't even think they really investigated. Also I'm on a fixed income I collect XXXX XXXX someone sent me a letter saying the were charging me for over payment in which that was wrong and I even filled out a dispute about that. Also I loged into the ssa.gov and it had a statement of how much they had paid me this month and it was the full amount. But on the bank statement it took out the XXXX dollars but the XXXX statement says ithe full amount was payed but like I said it was not the full amount on the bank payment. So I have been really frustrated and in already XXXX  and that what my XXXX is about XXXX and someone keep violating My Privacy rights so they know my XXXX it's like intention to cause bodily injury not just stealling from me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX letter re : billing error sent re : consumer credit card per 15 USC Code 1666 ( a ) reporting discrepancy on my MORTGAGE balance and CFPB complaint was filed and no response. As of XX/XX/2024, a XXXX was accepted by the XXXX  for the amount of XXXX for the loan balance. XXXX XXXX was received from XXXX XXXX XXXX parent company of XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they have accepted the approved Copy B from the XXXX. Since a COPY B is considered an income, it should not be reported as delinquent as the amount will settle the mortgage as paid off with balance of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / 2017  I went to use my  XXXX  Credit Card and was discovered my account was closed and turned over to a collection company and is now reporting as a charge off. I tried to contact  XXXX  and am not allowed to speak to them only the collection company. On  XXXX   XXXX  I accidentall y made two electronic payments. I placed a stop payment on one of them to avoid an overdraft and le t the other payment process through my bank. I notified  XXXX  of my Intentions on the  XXXX  to let them know what I had done. I have never been late with a payment and always pay more than the minimum amount due. The fact that I placed a stop payment should not have caused my account to be charged off as the other payment cleared my bank and was received before the due date and was for more than the minimum amount due. Now  XXXX  is reporting to all  XXXX  credit bureaus that my account is a charge off and non collectable. I have provided all if my bank transactions to them which shows I have never been late in  the two ye ars since opening this. I am asking they remove this from all  XXXX  credit bureaus as it is absolutely not accurate if my payment history.   If you need a copy if my bank statements I would be happy to provide you  with one
Product: Debt collection

Correct the errors on my credit report immediately by deleting the late dates of the disputed items as mandated by the FCRA. Despite my multiple attempts to resolve this issue, your failure to respond appropriately is a clear violation of the law, and I demand prompt action. The FCRA provides penalties for non-compliance, and I expect you to rectify this matter without further delay or face legal consequences. XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$1800.00}. Please update ASAP.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX Account XXXX : XXXX. XXXX Account XXXX : XXXX. XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 2011 XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I found multiple fraudulent accounts on credit, and they are reporting on credit and hurting my future financial journey.
Product: Credit reporting or other personal consumer reports

I seen accounts on my credit profile and it is a violation of my rights FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 
You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( XXXX ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( XXXX ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( XXXX ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( XXXX ) civil liability, and I demand compensation for every violation listed below ; XXXX Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} XXXX Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} XXXX Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely PLEASE DELETE THIS ACCOUNT IMMEDIATELY