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

The CRA reporting agency continues to report this debt incorrectly. I do n't believe they are actually investigating this debt. 

I filed a CFPB compliant against XXXX who is showing as the creditor for XXXX XXXX XXXX. Per compliant number XXXX, XXXX advised they do not show any account in my name with them. Yet, this continues to report on my credit report. 

In addition, XXXX XXXX XXXX does have a surety bond, which is required under the Texas Finance Code ( Texas Surety bond information as required by Sec. 392.101. ). They have yet to produce that they are actually licensed and/or legally able to collect in the state of Texas. This is a violation of the Texas Finance Code and a violation of my right as a resident of the state of Texas. 

FCRA section 609 states, Credit Reporting Agencies ( Credit Bureaus ) must provide a copy of the verifiable original creditor documentation. Equifax nor this company has ever provided proof of my original application. They provide insufficient documents which I did not request nor satisfies this request of the FCRA code. Page 7 ( 2 ) Verification ( B ) of the information in the consumer 's application for the credit or insurance, to  determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. No one has provided me a copy of the original application to report this debt or even validate it. Equifax continues to state it has been verified. Yet, how can they verify something they themselves do not have in their file for me.
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 XXXX 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 - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time framespecified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX CXXXX 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
Product: Debt collection

Failure to Validate Debt Account in Violation of FDCPA I am filing this complaint against Zions Debt Holdings for their failure to validate a debt account as required by federal law under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

On [ insert date ], I received a communication from Zions Debt Holdings regarding an alleged debt they claim I owe. In response, I promptly sent a written request for debt validation on [ insert date of your letter ], which was delivered via [ certified mail with tracking number, if applicable ] as proof of delivery.

Under the FDCPA, debt collectors are required to provide sufficient validation of the debt upon request before continuing collection efforts. Despite my request, Zions Debt Holdings has failed to : Provide verification or documentation proving the validity of the debt.

Suspend collection activities until validation was provided.

Since Zions Debt Holdings did not meet their legal obligations, I believe their actions violate the FDCPA. Their continued efforts to collect this debt without validation have caused me undue stress and confusion.

Desired Resolution : I request that the Consumer Financial Protection Bureau ( CFPB ) take appropriate action, including but not limited to : Investigating Zions Debt Holdings compliance with the FDCPA.

Requiring Zions Debt Holdings to provide complete and accurate validation of the alleged debt.

Halting all collection efforts until proper validation is provided.

Imposing penalties for non-compliance, if applicable.

Supporting Documentation : Copy of my written validation request letter sent to Zions Debt Holdings.

Proof of delivery ( e.g., certified mail receipt ).

Copies of any communications received from Zions Debt Holdings.

Additional Notes : I request that Zions Debt Holdings cease all collection efforts and communications with me until this matter is resolved, as per my rights under the FDCPA.
Product: Checking or savings account

I switch my banking address to a new location. Immediately following a biohazard box of needles was delivered to my door step instead of my package. I believe this was targeted due to the heavy cyber surveillance harassment. I have records of calls and picture data. They said they would refund me and never did. Shortly after I got my call intercepted from Bank of America XXXX number trying to get my username and password. Shortly after this I went into the bank who said they dont have any idea why they would ask this. My dispute wasnt refunded as promised. Business letters for selling guns is now coming through my banking system.
Product: Debt collection

Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX. 
I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA N.A.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 is inaccurate because [ I have never owed XXXX XXXX XXXX XXXX nor have I ever entered any legally binding contracts with them, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 
I am requesting that [ XXXX XXXX XXXX, XXXX ] have the item removed immediately. 
Enclosed are copies of [ my credit report ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I opened an auto loan account with Wells Fargo in XX/XX/2019. I made the final payment on XX/XX/XXXX for the full payoff amount on the Wells Fargo online portal. I received no confirmation via email or no updates since the final payoff. 

2 days later, on XX/XX/XXXX, when I attempted to login to the online portal, the system rejected my login and does not allow me to access any of my loan documents, statements etc. Further, when I try to call the customer service line to Wells Fargo, I am directed to an automated verification system that no longer recognizes my account number OR my social security number. In effect, Wells Fargo appears to have closed the account WITHOUT any confirmation or notice and, more importantly, has not sent me a loan release document OR returned my car title. 

When I get through to the general customer service line, they tell me they are helpless and I need to go to the nearest branch, which is in an entirely different state, over 100 miles away. I am at a loss to how a federally recognized financial institution is able to get away with defrauding customers in this fashion, with no confirmations, no receipts, no notices to account closures and without returning car titles upon loan payoff.
Product: Debt collection

I keep getting calls starting at XXXX XXXX  and ending at XXXX everyday from the same company. They call from multiple numbers so even if I blocked the number the calls still come through. I also receive calls that are unknown from them. Also they will call all at one time. Its highly unprofessionally and annoying that my phone vibrates at work every 2 mins. The calls are ridiculous. Now I even get text messages.
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 : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I paid the amount in full on XXXX/XXXX/15 before payment due date and then they charged interest on XXXX/XXXX/15. When I tried to chat with them all of a sudden they kept acting like they had n't even talked to me and kept trying to start over. IT says right on statement no interest will be charged if paid in full before payment due date. I paid XXXX and then for some reason was charged interest on 3 thousand something for which the statement is suddenly unavailable.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information on my credit report that is definitely inaccurate and should be removed. This information is incorrect and should not be included in my credit report : XXXX XXXX XXXXXXXX
Product: Checking or savings account

I have been trying to close my Robinhood account for years because I refuse to agree to their terms and conditions aka customer agreement. I am unable to close my account. Robinhood refuses to close my account. Robinhood insists that I must agree to their terms. Ostensibly it is not possible to close my account without first agreeing to their terms. I do not accept their terms though.
Product: Debt collection

On XX/XX/2023 a letter was mail out to me from Merchants Credit Bureau regarding an alleged debt. I responded to Merchants Credit Bureau informing them that I wanted them to validate the alleged debt as well as Cease and desist all commination with me and they have failed to comply. I am again asking Merchants Credit Bureau to Cease and Desist all communication with me through any and all mediums unless it is for a specified remedy that I am now invoking. The term communication through any and all mediums would be telephone, email, social media and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means conveying of information regarding a debt directly or indirectly to any person through any medium.

15 USC 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. Merchant Credit Bureau refused to validate the alleged debt. That is a violation I asked Merchant Credit Bureau to provide validation of debt and they sent a letter saying that they do not have to because this dispute is the same as a dispute that they have already investigated. I never stated that I was disputing anything, I asked for validation of the alleged debt and they refused to provide that. By law, Merchant Credit Bureau is required to prove validity of the alleged debt in which they have not done so and are trying to threaten me with notices after I sent written document to Cease and Desist. The alleged debt in which Merchant Credit Bureau is contacting me about MUST be validated in which it has not been nor do they have the license to collect in my state. I am asking that Merchant Credit Bureau remove me from their data base, Cease and Desist all communication with me through all mediums with me.

Pursuant to 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay the debt or that the consumer wishes the debt collector to cease all further communication with the consumer the debt collector shall NOT communicate further with the consumer except to...

( 1 ) to advise the consumer that the debt collectors 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.

Merchant Credit Bureau has ignored the law and I am entitled to remedy of 2,000. I have attached the first letter I received from Merchant Credit Bureau as well as the letter I sent them in response asking them to cease and desist as well as asking them to validate the alleged debt. They have failed to abide by the law and continue to use abusive and deceptive practices.
Product: Mortgage

Between XX/XX/XXXX - XXXX, 2022, I contacted Fay Servicing inquiring of a {$240.00} increase in mortgage payment that takes effect XX/XX/2022. A representative stated of increase in county taxes and insurance that should have been explained in the letter sent, but no letter was received as I informed. She never stated of resending and couldn't find insurance or tax statements of the increase when looking at my file ; implied of someone will get in touch. As a result, I contacted my town 's XXXX who gave me the latest tax assessment showing of taxes did not increase in the last year. Similarly, my insurance company stated of not increasing my premium in the last year. After receiving the information reached back to Fay Servicing relating the information. I asked the mortgage company if they could forward documentation of the increase, but no response. I attempted on XXXX more occasions requesting documentation to justify the increase. Then I sent an email on XX/XX/2022, explaining the issue and stating of legal actions. within XXXX days a representative contacted me and stated the company will investigate the matter and reach back within XXXX days. As of XX/XX/2022, no one has contacted me and the new mortgage payment due XX/XX/2022, no later than XX/XX/2022. This is concerning as in XXXX the company did not pay my property taxes that resulted in being threaten by Maryland in taking my home ; after contacting the company and bringing to attention the matter was resolved, said of an oversight.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is at this point defaming my character. I have Sent ID theft letters and they are failing to validate the in formation in which they are trying to collect. I have been at this for several months. Trying to obtain any LEGAL validity that the allege Inquiries are mine and they sent back a generic statement. I was a victim so that's inaccurate and under the FCRA and FDCPA laws. this information has to be removed. as it is preventing me from normalcy after the ID theft Storm
Product: Credit card or prepaid card

Requested a dispute for an invalid transaction on XX/XX/2021 for XXXX by XXXX XXXX. This was for a free trial that was unable to be cancelled online or via phone prior to being charged. 

Dispute was completed on XX/XX/2021, taking over 100 days to complete. After calling Discover, they claimed that information as entered incorrectly during the process, which caused a longer delay. Ultimately, the transaction was found in favor of the merchant, even with additional documentation showing proof a refund was to be given. Discover will not reopen the case with this new information or provide restitution for the error.
Product: Student loan

Argosy University sold their program and continued with telephone tactics to enroll us students. Argosy University made a lot of promises to their students and they did not follow through. One example is getting their XXXX XXXX XXXX XXXX XXXX accreditation. I attended from XXXX with the promise from the first semester of benign XXXX approved which did not happen. Further, we were charged XXXX XXXX XXXX XXXX XXXX XXXX XXXX When addressing this they said they will look into it and once their prices changed they did not refund our money. Additionally, they did not help their student obtain a XXXX XXXX XXXX when it was time to do so. There was no guidance and we were left on our own to do so. Further, my cohort was unable to get our XXXX approved and XXXX complete until we wrote the president stating that if she does not get involved we will go to the media and look into legal actions. Only then did the president get involved and pushed through the XXXX and XXXX process. This was only after several of us had to pay for extended classes which were not cheap. Personally, I was collecting data on many individuals but was told that was not necessary to do a case study. Now looking back that was the wrong guidance and it would have been better for me to continue with a big study. At that time I did not know better and was naive to think my professor would do right by us. Argosy closed and left us with a degree that no one will recognize or if they do it wont be positive which can impact our livelihood and future employment. I also have a loan of {$190.00}, XXXX making {$60000.00} a XXXX XXXX  XXXX. Argosy knew I had XXXX children and would not be able to attend a full-time program and I believe they took advantage of that situation. 

On XX/XX/year> the Argosy University borrowers sent the Department of Education the Argosy University white paper, Argosy Lies : How XXXX XXXX XXXX and Dream Center Foundation Defrauded a Generation of Students and the Federal Government that detailed copious evidence collected by Argosy borrowers themselves. The evidence comes from lawsuits, settlements, congressional testimony, and federal investigations. Furthermore, our letter to the Secretary of Education cosigned by nine organizations including the XXXX XXXX XXXX, Project on Predatory Lending, XXXX XXXX XXXX XXXX, Debt Collective, and XXXX Argosy students, faculty and staff collectively recommends the broad cancellation of all Argosy University loans. 
I am filing a complaint for the Department of Education to take notice that the borrowers deserve to be made whole from a governmental system of oversight that has failed them.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States if executed outside the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE law to this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1201. Additionally, this misstatements are punishable as perjury under 18U.S.C 1621 This collection found within my credit report and not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All are being investigated by the FTC. 

XXXX XXXX. XXXX XXXX XXXX in the amount of {$800.00} XXXX XXXX. XXXX XXXX XXXX in the amount of {$800.00} XXXX. XXXX XXXX XXXX in the amount of {$1700.00} EXPERIAN XXXX. XXXX XXXX XXXX in the amount of {$800.00} XXXX. XXXX XXXX XXXX in the amount of {$1700.00} XXXX. XXXX XXXX XXXX in the amount of {$20000.00} ( INACCURATE REPORTING )
Product: Credit reporting or other personal consumer reports

I have identified several accounts on my TransUnion credit report that I do not recognize and that were included without my consent. These accounts include : XXXX XXXX ( Account : XXXX, Balance : {$4800.00} ) XXXX XXXX ( Account : XXXX, Balance : {$3700.00} ) XXXXXXXX XXXX ( Account : XXXX, Balance : {$1800.00} ) XXXX ( Account : XXXX, Closed with late payments ) XXXX XXXX XXXX ( Collection account, Balance : {$1600.00} ) Additionally, multiple unauthorized hard inquiries have been added to my report, negatively impacting my credit score.

These accounts and inquiries have been reported in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), Gramm-Leach-Bliley Act ( GLBA ), and UDAAP regulations. Specifically, they have failed to comply with : 15 U.S.C. 1681b ( FCRA ) : There was no permissible purpose for these accounts to be included in my report.

15 U.S.C. 1681e ( b ) ( FCRA ) : TransUnion is required to ensure the accuracy of reported data, and these accounts are not legitimate.

15 U.S.C. 1681i ( FCRA ) : If these accounts can not be verified with proper documentation, they must be removed immediately.

15 U.S.C. 1631 ( TILA ) : Proper disclosures regarding the handling of my data were never provided.

15 U.S.C. 6801-6809 ( GLBA ) : I was never given the option to opt out of my information being shared.

12 U.S.C. 3402 : My financial data has been shared without my express consent, violating my right to financial privacy. 
XXXX : Reporting unauthorized accounts constitutes an unfair and deceptive practice that negatively impacts my financial stability. 
Due to these violations, I requested that TransUnion immediately delete these accounts and inquiries, but they have failed to take corrective action.