23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my first request to Innovis to remove the security freeze from my credit file. I am providing all necessary personal information, including my name, address, Social Security number, and date of birth, along with supporting identification documents.
Product: Debt collection

i am a federally protected consumer, and I am making this complaint against LVNV Funding LLC for committing identity theft. I have never given LNVN Funding LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LNVN Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LNVN Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and LNVN Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I went through a personal hardship and was unable to make my AmEx payments on time for a few months. This was long enough that they closed the account and i was then unable to access my account online to make payments or see any of my account information. My card is missing and I do not have the full card # to use when calling to make a payment unless you can wait for over an hour on hold which I cant, so I am unable to get through most days when I try as the automated system does not recognize you without a full card # to enter and disconnects most of the time. 

Eventually I got through but each time I call and get a person on the line I get different answers about my account and its all misleading. 

Most recently I was calling to see how I could make a payment and when they transferred me to their payment sector I was asked for my contact information again and then informed it was a collections agency ( XXXX XXXX XXXX. ) attempting to collect a debt. I asked them for information on the account which they had none, and refused to verify the debt or give me information as to who is reporting on my credit or who I may speak to about the details of my account. They put me on hold and then told me that my AmEx account was already held by a separate collection debt management company other than theirs that Ive also never heard of or have a recollection of. XXXX XXXX XXXX told me that I owe them my account balance and in order for them to take payments or help me I have to call and ask the other collections agency to give them permission to take over my debt. This is alll very shady and misinforming. I was simply trying to reach American Express to make a payment or settle my account with them in good graces but not be led on by other collections agencies I have no contracts with and who can not discuss my account details in the first place. I have no business with XXXXXXXX XXXX XXXXXXXX and would like them to cease all contact and collections effort with me as they do not even have the right to my debt.
Product: Credit reporting

Excessive amounts of past debits on my credit history that are n't mine. I 'm receiving collection attempts via phone and mail for debits that are n't mine ; debits are decade old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$6.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$6.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XXXX, XXXX ; XX/XX/XXXX ;XX/XX/XXXX year ; XX/XX/XXXX year XX/XX/XXXXyear. Late payments reported - 30 days late XX/XX/XXXX ; 30 days late XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX, shows 46 charges offs. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report.

4. Delete this account, because it shows credit limit {$6000.00} on a charge offs close account.

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my Experian Credit Report and circled the violations, Experian violated in red color.

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I am filling a compliant against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( file No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts in question are : XXXX XXXX XXXX amount of {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$880.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX IN XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX XXXX : {$480.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$960.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX XXXX : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$960.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$10000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$5700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$960.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XX/XX/XXXX
Product: Debt collection

ATTN : CFPB THIS IS NOT A DUPLICATE COMPLAINT, I AM RESPONDING BACK TO UNITED RESOURCES SYSTEMS IN REGARDS TO A LETTER THAT THEY FINALLY RESPONDED BACK TO ME. 

PLEASE FORWARD THIS COMPLAINT OVER TO THEM ON MY BEHALF. 

THANK YOU. 




This letter is being sent to UNITED RESOURCES SYSTEMS again in response to the above reference account that United Resource Systems has reported and listed on all XXXX major credit reporting agencies ( XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX XXXX ( b ) that your claim HAS BEEN disputed and VALIDATION HAS BEEN REQUESTED! 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for-HAS NOT BEEN LEGALLY PROVIDED IN THE TIME FRAME ALLOWED TO UNITED RESOURCES SYSTEMS BY LAW! 
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED. 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED. 
Identify the original creditor- HAS NOT BEEN PROVIDED. 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED. 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED. 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED. 

AS YOU UNITED RESOURCES SYSTEMS ARE IN FACT NO DOUBT AWARE, I HAVE REQUESTED VALIDATION, NOT VERIFICATION AND THE INFORMATION IN WHICH UNITED RESOURCES SYSTEMS HAS PROVIDED TO ME IS NOT A LEGAL VALIDATION OF THIS ALLEGED DEBT ACCORDING TO THE LAWS.
Product: Checking or savings account

Capital One held me responsible for a check passed with a fraudulent indorsement. I used Capital One 's bill-pay feature to pay for my child 's monthly XXXX tuition. Every previous check sent in this manner was deposited with the school 's deposit stamp in the indorsement box on the back of the check, and this particular check was cashed with a personal signature. I verified the school never received the payment, and then I contacted Capital One requesting a refund. They denied the claim explaining they " didn't find any errors with the payment. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For Transunion/XXXX/ XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I represent that I do not owe any balances to any of these creditors nor have I ever applied for any services under these corporations or advised any to open credit it my name! 
You keep telling me that I am not the person submitting my own investigation and takedown request. Do you think I dont know how to write? I will file a discrimination complaint against you as well, if you continue to deny my request. 

XXXX/XXXX ACCT : XXXX XXXX : {$130.00} XXXX  XXXX XXXX ACCT : XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXX ACCT : XXXX ACCT : XXXX AMT : {$2300.00} AMT :  {$250.00} Also, the following unauthorized Credit Inquiries must be removed immediately without prejudice : XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have continuously been in contact with XXXX, XXXX and TU via the CFPB. Investigations have been continuously submitted. All CRBs seem to gloss over my request with pleasure. 
This is again a demand to remove and block erroneous and fraudulent information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 




I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Compass bank continues to lie and slander my name and not focus on the events that lead to this complaint. In XX/XX/XXXX, I spoke to Compass Credit Card Department to indicated that I never received the card. I was then told the account was closed because the could n't properly ID me. Per the manger in the credit card department if I can go to a local branch and they can ID me and call in to verify me that they will reopen the account which took place. The XXXX CA Branch can verify that this took place. My focus is on the account # XXXX on XX/XX/XXXX reporting to XXXX XXXX that I attempted an unauthorized transaction. First I want to point out that compass just confirmed in there response that my account was opened which contradicts them saying the transaction was unauthorized. The transaction actually took place on XX/XX/XXXX and I took a convince check from my XXXX XXXX XXXX XXXX into a local branch in XXXX CA. I asked the branch what is the best possible way to handle a balance transfer. The branch told me to write out the check to myself and deposited into my checking account. Being that the check is a credit card product before it could be deposited the branch would need to call over to the credit and authorizations department before it could be deposited because the system is flagging it for approval. After waiting about 5 minutes the teller was on the phone with the department and came back with an approval and said the funds where available in my account for immediate use. With all that said compass is reporting for misuse on this account with XXXX XXXX but they already confirmed the account was opened and the transaction in question was approved in branch via credit and authorizations department. Compass keeps focusing on transactions that has nothing to do with the XX/XX/XXXX reporting. When the transaction was made on XX/XX/XXXX my credit card and checking account was opened. Compass then closed the accounts after the transactions were made which would make it an legitimate transaction not what they are reporting. Please investigate the XX/XX/XXXX transaction and correct my XXXX XXXX reporting.
Product: Money transfer, virtual currency, or money service

XX/XX/26 I received a email saying {$310.00} was transferred to me from my account. I never made the transfer unsure I assumed my daughter might of accessed from my XXXX trying to send money to her cash app card using my email but they were home sleep and denied being able to open app because theyre unsure of login info I tried to figure out how it happened but Im unsure. I received email stating that money was sent to me however I dont have the option to claim funds I tried calling and filing dispute also requesting funds using app but Im only getting email response saying I requested the money. Within 1hr claim denied Someone attached my email to their account and then hacked my chime account sending my money to a chime account with user name XXXX XXXX XXXX I tried to contact her after finding contact info on true find XXXX I tried calling she answered I told her why I was calling she hung up I also tried texting her but she blocked me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifaxs Data Breach has left me in Financial Ruin!!
Product: Debt collection

I recently disputed this debt collection online. I received a letter back from United collection bureau. It does contain HIPPA violations. The letter they sent me contains dates of service, procedure codes, and procedures completed. I request that this collection is immediately removed from my credit and all attempts to collect are ceased. They have violated my medical privacy.
Product: Credit card or prepaid card

On XX/XX/2020 Avant credit card deny me credit in maliciously way.fact adverse action prove there unfair acts and not equal. Under federal law adverse action is to be lower. They just violated me under the fair equal rights law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax, XXXX and XXXX XXXX and disputed XXXX XXXXard inquiries that are currently on my credit profile. I NEVER authorized any of XXXX companies to pull my credit. I only authorized XXXX XXXX and XXXX XXXX to pull my credit. I made it clear to the dealership that I already received a pre approval from XXXX XXXX and Global Funding and although they have higher rates, I have a thin credit profile and I did not want my credit run by multiple companies. There are at least 7 companies that pulled my credit without my permission and show up 3 or more times on the same day. I have repeatedly reached out to all three credit bureaus and made them aware of what happened and they refuse to comply when I insist that they remove the inquiries. I am also disputing XXXX XXXX. XXXX XXXX implies that I owe them {$1700.00} I have never had an account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I mailed all the information requested to XXXX. I registered on line to dispute. Online will not let me continue, it says I am already set up. XXXX XXXX XXXX, my drivers license number is XXXX. I recently updated the address to reflect XXXX XXXX XXXX XXXX. I mail a copy of my XX/XX/XXXX tax return. This information is prior to two months. I filed bankruptcy in XX/XX/XXXX. The addresses shown on the credit report are XXXX XXXX XXXX XXXX XXXX TN XXXX. The spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TN XXXX, the spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX. XXXX XXXX XXXX XXXX TN is one Of The addresses used by me. The case number is XXXX. The property at XXXX XXXX XXXX XXXX TN XXXX was foreclosed on. The Trustee was XXXX XXXX. XXXX XXXX XXXX an agent for XXXX XXXX is on my report. XXXX XXXX XXXX XXXX in XXXX TN is on my report. XXXX XXXX XXXX XXXX is on my report, account number XXXX. XXXX XXXX is on my report. An inquiry was done with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX handled the bankruptcy case. Attorney XXXX XXXX filed the case. Attorney XXXX XXXX XXXX also helped with the case. The tax transcript I filed with IRS shows I filed my return with XXXX XXXX {$19000.00}. Refund in the amount of {$1700.00} was applied to balance with IRS. Fraudulent transitions are being reported to IRS using my social security number. IRS have my current address on file XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. My former employer ein number is XXXX. {$23000.00} was reported to IRS when I was laid off on XX/XX/XXXX. A fraud tax return was filed using my social security number. I 've reported to IRS using XXXX form for investigation.
Product: Debt collection

DEBT WAS DISCHARGED IN CHAPTER XXXX BANKRUPCTY XXXX/XXXX/2017. THIS HAS BEEN ADDED TO MY REPORT ILLEGALLY AND IS VIOLATING FCRA RIGHTS
Product: Credit reporting or other personal consumer reports

The account of XXXX XXXX on my all there credit reports is showing late payments of 30 days which happened in XX/XX/XXXX and XXXX 60 days which happened in XXXX and XX/XX/XXXX respectively. The account was under my personal individual responsibility. First of all two 60 days late payments can't happen one after another since after 60 days delinquency 90 days follows. That is the first inconsistency. Second of all according to the report, the account was closed on XX/XX/XXXX and the last payment received in XX/XX/XXXX. Since the account was closed and paid off there have not been any activities. Finally, I contacted the creditor, and they confirmed that since the account had been inactive ( no purchases ), late payments could never have occurred. I am requesting deletion of negative information form the specified account on all my major credit bureau.
Product: Checking or savings account

I have an account with Chase Bank. I added my daughter as a student and created a student checking account ( She is XXXX ) and with no service fee. From last the two months, Bank started charging a service fee of {$12.00} monthly. When we contacted the Chase bank, they could not give a clear answer to why this happened. They said they will investigate and reported back in 2 business days. I am a bit concerned about the accountability and transparency of Chase bank. I want to ensure that this does not happen to other customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  -- - ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ACCELERATED FINANCIAL placed negative information on my credit without notifying me first, in writing, That i had time to dispute this very old debt. 
no warnings. 
They illegally re-aged this account to 2020 and mustve added extra fees