23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am formally lodge a complaint against XXXX XXXX XXXX regarding their unethical practices, unjustified collection of fees, and threats to report an alleged debt to my credit report. 

On [ Date ], I engaged XXXX XXXX XXXX to provide pest control services for my property. Unfortunately, despite repeated attempts to schedule and receive the promised services, the company failed to fulfill their contractual obligations. As a result, I decided to terminate any further dealings with XXXX XXXX XXXX due to their inability to deliver the agreed-upon services. 

To my shock, XXXX XXXX XXXX continued to debit my account for a total of {$300.00}, despite my explicit request to cease all transactions with them. When I contested these unauthorized charges, they adamantly insisted on payment, even though they had not rendered any services as per our initial agreement. 

Furthermore, I received a call today from a number identified as [ Phone Number : XXXX ], representing XXXX XXXX XXXX. During this call, their representative threatened to report the disputed {$300.00} as a debt to my credit report, which has left me deeply concerned and distressed. 

I strongly believe that XXXX XXXX XXXX 's actions are not only unjust but also unethical. I have been subjected to financial exploitation and harassment, and their threat to damage my creditworthiness is unjustifiable. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX ceases its unlawful collection practices, rescinds its threat to report the alleged debt to my credit report, and rectifies the unjust charges they have imposed on me. 

Enclosed with this letter, you will find copies of relevant documentation, including evidence of the failed service attempts, my request for cessation of charges, and the threatening communication I received. 

I am eager to cooperate fully with any further inquiries or investigations needed to resolve this matter promptly. Please do not hesitate to contact me at XXXX or email ; XXXX should you require any additional information. 

Thank you for your immediate attention to this complaint, and I trust that the CFPB will take the necessary steps to protect consumers like me from such unfair and predatory practices.
Product: Credit reporting or other personal consumer reports

ive been dealing with XXXX XXXX at Bridgecrest and she has shown no proof of documents of the sell of the XXXX cars they said I bought. If they see the police report it says clearly I wasn't even in the country when the cars were purchased. I have reviewed this with the XXXX XXXX XXXX and My attorneys as of today and if its not fixed by XX/XX/year> I will have my attorney XXXX XXXX filed suit against XXXX and Bridgecrest for financial Ruins and allowing someone to use my credit Which is called Financial theft of a dealership and bank. Bridgecrest and XXXX is in an enough hot water with the FTC and The CFPB for fraud with Ally and Several other buying lenders. XXXX was shut down in XXXX XXXX back when these XXXX cars were bought by DMV enforcement for fraud and XXXX Identity theft complaints and mine was XXXX of them per my XXXX who has looked into these accounts. Per the prosector in XXXX where I live she stated bridge crest and carvana are on the courts bad list and they wouldn't stand a chance of winning, she did say they have never won a case in NC ever. So XX/XX/year> if it's not off my credit file I will be filing legal claims and class actions against Bridgecrest and XXXX. A court order has gone out for the original docs of both these deals to XXXX 's address and a court order for her to show up to court in XXXX XXXX XXXX in North Carolina. XXXX received her personal information on a court order to Bridgecrest legal team and they turned over her legal name and address to get her served by law enforcement to appear in court in NC.
Product: Checking or savings account

On XX/XX/XXXX, my niece forwarded me an email that Chase sent to her for a survey they are soliciting regarding my recent banking experience with their representative. This is a problem because my niece is not included in any of my accounts with Chase. I contacted all the different departments in Chase in which I have an account ( checking, savings, mortgage, and credit departments ) to figure out how my niece 's email somehow got associated with my account that caused the survey to be sent to her. All departments I spoke to said they only have 1 email on my account, which is my correct email address. The last department I talked to was the Chase banking who also confirmed that only my correct email address is showing. However, the person I spoke with, who is supposedly a supervisor, XXXX ( did not give me his last name ) said that he would contact Chase 's Communications Team and request that they remove my niece 's email anywhere on my account. I asked him for a written confirmation of this and he said that I will get a letter in the mail in 7-10 days. That was on XX/XX/XXXX when I spoke to him and all representatives of Chase. It is now XX/XX/XXXX and I still have not received any letter in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX  no XX/XX/2021 to validate debt with documentation No response. Sent another letter on XX/XX/2021 requesting debt be removed for failure to respond and send proof this is my debt disputed with Bureaus and provided proof item still remains on my file. This account is blocking my ability to obtain loan services
Product: Prepaid card

I purchased {$140.00} vanilla Visa gift card back in XXXX on XX/XX/XXXX and I tempted to use it and it wasn't working I called the customer service number for them and was insisting on getting a refund they told me that no matter what within 3 weeks I would have a paper check in my hand for the amount I paid that I wasn't able to use and that they would mail it to my address they said they've mailed it now twice and they haven't they've scheduled calls with me to figure out why I'm not getting my refund and they've never followed through and actually showed up and called like they were supposed to I've tried to file a dispute with my credit card company that I used to purchase the gift card and they will not approve my dispute unless I have some type of proof of everything and so I've called vanilla gift card customer service multiple times on multiple occasions and giving them every opportunity to do the right thing and refund me and nobody has done the right thing and it's now going on almost 4 months later I can't keep doing this they've taken almost {$150.00} after taxes and fees from me and they refused to refund it and I wasn't able to use the gift card and they will not provide any type of documentation about this so I can submit it to my credit card company for a dispute because vanilla is refusing to do the right thing they keep saying they've sent it but they've not provided any type of documentation or proof to me that they've actually told the truth to me and they won't give me a new vanilla gift card and they won't just refund my card either so this is crazy and I've been more than patient and I need this corrected immediately. Case number # XXXX and Case # XXXX this was given to me to provide during a call I scheduled with their '' escalation '' department That I was supposed to have gotten a call back for this by no later then XXXX on Wednesday XX/XX/XXXX. And I waited 2 days after that date before I called them again to try to figure out what was happening and they tried to again push me off and tell me that they would be escalating this again and then they also refused to provide any type of documentation of what's happening to my email or through the mail or by fax anything and they said they weren't allowed to do that and they can't do that and I have yet to hear back from anybody and I'm not giving up and I need them to refund every single dime they've refused to give me back for a service I've not been able to use.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting agency is in violation of reporting information about an account I did not give written consent to report. 

Their company is in clear violation of the law. Under 15 USC SS 1681B -permissible purpose of consumer reports THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 

( 2 ) In accordance with the written instruction of the consumer to whom it relates I did not give them written instructions to furnish this on my credit report. 

, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a - Definitions ; rules of construction Exclusions from a consumer credit report clearly states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments
Product: Credit reporting or other personal consumer reports

Trans Union has cut me off from my ability to manage my credit freeze online. My incident of fraud was reported in XXXX, in XXXX I received an updated letter with an online method of managing this freeze. I have not reported any fraud since, I did report that a vendor indicated to me that they were unable to access my credit, but in fact had a hard hit so I asked that vendor to remove the hit as they indicated they could not access it - it could not be both inaccessible and inquired upon. 

Over the last year or so I have been unable to manage my freeze online, I have reported this issue at least twice and each time Trans Union indicates that they will fix it to make it available online through a process - but nothing happens. The most recent time they said I am ineligible to manage it online. 

Additionally they will not provide by mail a credit report - I go through the free credit report site and am amble to get information from all bureaus except trans union. Transunion indicates they will mail a report but they never do. 

If there was a new reported fraud incident to trans union I am not aware of it. Something about their record has changed and I do not know the reason behind it but it has the effect of denying me credit because I can not manage my freeze as last instructed by letter dated XXXX AND I can not monitor my credit file because they will not provide it to me- online - nor by mail. 

I note that the CFPB sanctioned Transunion for their management of credit freezes- my issue certainly seems to fit into that category. The number from the settlement action is not answered so it seems they are not complying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5800.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to XXXX regarding the following accounts numbers : XXXX / XXXX / XXXX / XXXX. I have sent dispute requests to Equifax regarding the following accounts numbers : XXXX / XXXX / XXXX / XXXX. I have sent dispute requests to XXXX regarding the following accounts numbers : XXXX / XXXX / XXXX / XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these three bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Product: Credit reporting

XXXX of the addresses listed for me are incorrect. The XXXX address and the with the strange city XXXX in Louisiana.
Product: Credit reporting

On or around XXXX 2014 in an effort to open a new credit line I was informed that the creditor was unable to open my request. In an effort to find out what was going on I contacted all XXXX major credit bureaus and I was informed that and became aware of several entries including various inquires which were never authorized. Upon receiving this information I contacted the source directly only to be told they had no information and to submit my dispute in writing as well as contact law enforcement. As requested I did all of the following and was provided several months later a copy of the report to provide to both the sources as well as the credit reporting agencies. After several months of going back in forth I received notification that they verified the account as accurate and refused to use law enforcement 's report. Since that time I have continued my efforts only to be ignored and to date they have refused to supply me with a complete outline of the verification process they have conducted.
Product: Debt collection

I received a bill from XXXX in XX/XX/XXXX, I never opened account i have been a XXXX XXXX customer for past 9 years current, I refused a promotional deal when I went into a XXXX XXXX retailer in mall and they were giving a promo deal and gift if I filled out a card online, I did the switch never came forth  ... salesman called me over and over, over a 3 week period in XX/XX/XXXX, I told them i was not interested. apparently in XX/XX/XXXX i received a bill for services and called them directly via XXXX customer service number..for several months into XX/XX/XXXX I had to argue with them that it was a fraudulent account and bill. in XX/XX/XXXX I was sett a form and sent it back verifying i was not responsible for account or bill. in XX/XX/XXXX I received a letter from XXXX XXXX..who gave it to another collection company and now its reported as of XX/XX/XXXX as a new debt ...  completely innacurate
Product: Credit reporting or other personal consumer reports

i found some hard inquiries on my report that do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$890.00} potentially neg XX/XX/XXXX {$190.00} potentially neg XX/XX/XXXX {$56.00} XXXX XXXX XX/XX/XXXX {$3100.00} potentially neg.

I did not open any of these accounts, i have not been employed since XX/XX/XXXX. Someone has used identy theft against my name. I did not giv permission for these accounts to be open nor did i sign anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting

I have mixed files on my credit report. 
1 ) XXXX XXXX XXXX XXXX ) Bankruptcy 3 ) Legal Item 4 ) XXXX XXXX
Product: Credit card or prepaid card

I made a {$300.00} payment on my Capital One card on the XXXX. Also of today my available credit has not updated! I called and they said the payment was frozen due to suspicion. This is the third time they have done this to me. If I make a payment and it clears it should be posted RIGHT THEN. I feel they are discriminating against me as it has happened so often. They said it will post tomorrow, 7 days after payment. Too slow in this day and age and there is nothing suspicious about making a payment from the same checking account for months!!!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX And Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

These accounts appear on my credit report at one point they were removed and then re-inserted without me being notified that they would be inserted. The following companies are engaging in illegal debt collection practices violating The Dodd-Frank Act by calling me before XXXX XXXX and after XXXX XXXX over and over. These companies failed to provide me with specific information about the amount and source of the debt and my right to contest the debts validity, during the initial communication or in a written notice immediately following the initial communication. 

XXXX XXXXXXXX XX/XX/XXXX {$2000.00} XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$56000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$56000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$9900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. 

All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately : Account Name : XXXX/XXXX  ACC # XXXX XXXX XXXX  ACC # XXXX XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened an account in my name and stop paying the payments which I never knew about