23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Security Service Federal Credit Union has refused to comply with the Freedom of Information Act to a debt validation request submitted on XX/XX/XXXX. The requested documents are the following : A copy of the original contract that includes the wet ink signatures of all parties involved. Provide verification and authentic documentation that there is a valid basis for claiming that I must pay the debt. ; Provide all original authentic accounting records, ledgers and bookkeeping journal entries, including tax filings for these consumer accounts ; Provide verification, documentation and proof of authorization that you have the right to collect ; An accurate and authentic accounting records, ledgers and bookkeeping journal entries for the request of credit extension made by XXXX XXXX XXXX XXXX on XX/XX/XXXX, and a statement of disclosure clarifying the reason for rejection of the request ; An authentic accounting of all voluntary payments made to account # XXXX, as well as for any closed accounts for XXXX XXXX XXXX SS # XXXX XXXX A statement providing clarification of account XXXX, the current status and most recent records of performance of this account ( dividends earned, dividends paid etc. ) ; An authentic accounting of all coupons/dividends and including unclaimed coupons/ dividends for all active and closed accounts/securities owed to XXXX XXXX XXXX XXXX XXXX  XXXX Security Service Federal Credit Union did not provide a statement or reason for adverse action on application for credit submitted to XXXX on XX/XX/XXXX and was denied, despite remaining in good standing on account XXXX, thereby violating ( 15 USC 1691 ( d ) ( 6 ), 12 CFR 1002.12 Security Service Federal Credit Union responded to my request for authentic accounting records information with XXXX ( XXXX ) most recent billing statements for account XXXX, which is non-compliant to GAAP accounting and records for a financial institution. 
Security Service Federal Credit Union is still sending collection notices to my residence despite having not provided valid proof of a debt. 
Opportunities for remedy to these violations are listed in the notice delivered on XX/XX/XXXX and were ignored by Security Service Federal Credit Union Please note that this complaint will also be forwarded to the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX
Product: Debt collection

These people continually call and harass me about a usury interest rate account that has a illegal usury interest rate.that was paid. # XXXX phone # XXXX I am XXXX XXXX XXXX and these people should also be charged with elder abuse. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are making my credit in a very bad standing. The accounts listed below aren't not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand what is going on? Please help me! 

XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Product: Debt collection

Collection service of Athens {$690.00} XXXX XXXX XXXX for {$300.00} for {$94.00} for {$120.00} for {$66.00} and for {$120.00} which was all paid by my insurance company so I do n't owe any collection agency anything. Plus I do n't I never signed a contract with collections of Athens or XXXX agency
Product: Credit reporting, credit repair services, or other personal consumer reports

request for " Description of the procedures of re-investigation '' was received by Transunion on XX/XX/2022 for several accounts currently showing on my consumer report. Re-investigation by federal law are to be completed within XXXX days. I do not give consent to extend this time. in addition my Full Transunion File was requested Not completing both request is a violation of my Federal Rights
Product: Student loan

When I finished my rehabilation program with XXXX my last call from them was to congratulate me with completion of the program and to state a new lender would have my loans. After a few month I was awaiting for information from the new lender ( phone call, email, mail, etc ) and I never recieved anything, I was only made aware of my new lenders by randomly checking my credit report and saw XXXX XXXX on my credit report and their contact information. When I called XXXX XXXX 2017 ( picture of call history attached ) I begin to express my concern of why they are on my credit report who who where they. Well, they begin to tell me and also expressed to me that I am 75 days past due and I owe ( around ) 900 $ dollars. I asked the advisor what information did they have on file for me because I have never recieved a call or mail or email stating I owe or need to pay anything and she begins to simply apologize to me and told me she would send me over an email for student debt loan forbearance letter, income driven repayment plan, and an email update request and that was it and I though in the email that would explain why I owe money for late fees. I eventually called back 2 weeks later to ask for the email again that would email why I owe them late fees and I again stated my concern about why I did n't fell I needed to owe any additional XXXX $ late fee due to the fact they never sent me any documentation that I needed to pay anything. I figured the first time j called they stated I had and old address, email and phone number on file that they probably send information to the wrong address. The advisor did not answer my question effectively or give me clarity so I requested to speak to an manager. I expressed again my concern to the ( now ) financial manager and I was put on hold several times during the duration of the call and my phone end up dying, so I called back the op financial manager. She put me on my finally hole ; I 'm guessing to check out what was going on and came back on and states to me " that they did in fact have my updated address on file since XXXX but the mail kept returning back to them '' I then asked it this pieces of mail something I would have to sign for? '' she said " No '' so I said, then why have I not recieved the mail if 1. I do n't have to sign for it and 2. You have my updated address ( which is an aparment and you can just put it in the mail box ) and she said I should have went to check my place of delivery to get it. Since XXXX I have been to my local post office and no form of mail was for me except packages for something completely different. So ... I do n't feel I shoukd have to pay an additional XXXX $ late fees and I never recieved any form of paperwork, mail, or email about them having my loans in the first place. I want to only be responsible for what I owe them originally which should be my student loans. Attached are screenshot or my call 1 call to them email of the only and 1st documentation of their existence and resolution to my " late fee '' problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet I feel like I'm being taken advantage of and being ignored of my disputes. The Law plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by Experian as well as the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regrading multiple unauthorized credit inquiries that have been reported on my credit report by. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made several attempts to resolve this issue with the credit bureau Equifax, but my disputes have been ignored and improperly denied.
Product: Credit reporting or other personal consumer reports

I do not have a contract with LVNV FUNDING LLC, I am not liable for any alleged debt that they bought and are illegally reporting to my credit report. They are in violation of XXXX. Prima Facie Evidence by Third-Party Documents. 
Primary tabs A document in due form purporting to be a bill of lading, policy or certificate of insurance, official weigher 's or inspector 's certificate, consular invoice, or any other document authorized or required by the contract to be issued by a third party is prima facie evidence of its own authenticity and genuineness and of the facts stated in the document by the third party. XXXX. Remedies for Fraud. 15 U.S. Code 1681b - Permissible purposes of consumer reports I never have you written consent to use private non public persons information for any reason. If you take my information to compile a file on me that represents me and I had nothing to do with it or you didnt have my explicit written permission do to so is considered identity theft I will hold in any capacity liable for all charges that I will send in my demand letter to start my litigation. A bank statement or history of an account or history of payments is not evidence that I owe a debt. 18 USC 8 Clearly states all obligations public and private belong to the United States.
Product: Debt collection

Calls and threatens to serve me if I do not pay up and calls family, neighbors and friends and gives them my personal info
Product: Debt collection

I had a judgement order from XXXX, tried contacting to verify debt. I believe the supposed debt would be time barred. In XXXX got letter about garnishment from XXXX and XXXX. I contacted to verify debt was basically told it was to late. I did n't follow thru at time, I had just recovered from XXXX. Now they have garnished my wages again.
Product: Checking or savings account

I FILED A DISPUTE WITH CAPITAL ONE 360 BANKS REGARDING A CHARGE FROM XXXX XXXX  FOR {$120.00} I REACHED OUT TO THE COMPANY THAT CHARGE ME THIS AMOUNT AND THEY INFORMED ME THEY CAN'T REFUND ME I REACHED OUT TO MY BANK TO DISPUTE THE CHARGE AND THEY DENIED MY CLAIM
Product: Credit card

I made an arrangement with American Express to pay down my balance over time, rather than allow my credit card account to become delinquent. They set up a payment plan for me, which I have kept current, and they have been telling the credit reporting agencies that my account is past due. Currently, the notification is that my account is 120 days overdue, even though I am current on the agreed-upon payment schedule which they set up for me. American Express is destroying my credit rating even though we made an agreement for me to pay down my balance over time.
Product: Credit reporting or other personal consumer reports

I am submitting to bring to your attention a matter of utmost importance regarding the handling of files associated with an FTC fraud report. It has come to my notice that, despite being sent with an FTC fraud report, files are not being promptly removed. As a victim of identity theft, I am submitting this request for the removal of fraudulent items from my credit file, stemming from the alleged identity theft incident. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I wish to emphasize that you are mandated to remove any such items not later than 4 business days after XX/XX/XXXX. This matter has been previously addressed in my earlier correspondence, and I am reiterating it now with another FTC Report, referencing # XXXX. I must express my concern regarding the accuracy of the information provided on these items, as they were unknown to me and have been successfully removed from other bureaus. Consequently, I have reservations about the reporting accuracy shown on the credit report you provided. Below are the specific items that require immediate attention for removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ther are three ( 3 ) debts on my credit report that are older than seven ( 7 ) years and despite disputing them, they deny removing them from my credit report. The credit bureaus deny it as well as the companies, which is prohibiting me from purchasing a home.
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

Listed below are the Accounts that are being challenged 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

they are still calling my husband and he is not a signer on this account, this is causing a lot of marital problems
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 TransUnion 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 TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored of my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

I am actively challenging the validity of this alleged eviction you have listed on my consumer report. In the recent months, I have challenged this same account with the credit reporting agencies and they came back stating that they have verified this alleged account with LEXISNEXIS To my complete and unbiased knowledge LEXIS NEXIS has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me pursuant 15 U.S.C. 1681. Having the understanding and position, I am requesting that you forward me any supporting or justifying documents you have on my file allowing you to report this alleged eviction. I am expecting a response from you within 30 days from the dat you receive this letter. If said documents can not be produced, please delete this eviction from my report immediately. Please remove off my rental screening it is hurting my ability to find a home for me and my kids Best Regards,
Product: Credit reporting or other personal consumer reports

Back in XXXX I was a victim of a robbery that's the first time when I start having identity theft issues. It's so much fraud that's in my name to where I had to sign up for so much protection to avoid any further issues. I reported these issues XX/XX/XXXX to XXXX and XX/XX/XXXX I have no connections or knowledge of these accounts listed. Please help me! I never lived aXXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. I believe that's where the suspect lives. Please help remove this fraud! I even just hired an consumer attorney to help in this process. This is my last attempt before the attorney get the case.
Product: Credit reporting or other personal consumer reports

DEPT OF EDXXXX XXXX XXXX XXXX, XXXX, TX XXXX SUBJECT : Late Payments Being Reported This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. 
The not station of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.
Product: Debt collection

I negotiated a pay off through XXXX XXXXXXXX with a debt collector XXXX XXXX XXXX on XX/XX/XXXX on my XXXX account ending in XXXX. The contract payments were paid in full on XX/XX/XXXX. On XX/XX/XXXX Management services Incorporated NCB sent a letter trying to collect after several attempts to verify it was paid on XX/XX/XXXX they received a fax with the payoff contract. Bank statements of payments and clear XXXX contract and a letter of explanation. I spoke with employee XXXX XXXX and was told they received and reviewed documents and would no longer try to collect on this debt. On XX/XX/XXXX over a year later I received a letter trying to collect on the debt again. I called on XX/XX/XXXX and was told I still owe the debt. Im tired of being harassed by a different debt collector for the same debt which has already been paid.
Product: Credit card

In XXXX 2016 I made a {$500.00} down payment to XXXX in XXXX colorado, to hold the item until I could travel there to complete the purchase. I gave them my Chase Credit card number over the phone to submit the down payment. That process apparently stimulated some sort of security alert with Chase and the payment was blocked. What ended up happening was several {$500.00} charges were made to the card. They made several attempts to run the card. I called Chase and ok 'd the {$500.00} for the down payment. I decided not to travel to complete the purchase and started the process of getting the charge reversed. It has been a very difficult time dealing with Chase on this matter. I thought the matter was resolved and closed the account and have no intention of doing business with them again. Last week they mailed me a notice they have charged my closed card account {$500.00} relative to the matter with XXXX
Product: Checking or savings account

USAA is not paying out what should be owed to me. they did not properly investigate my claim. i have reported to the department of insurance as well. they stated that they investigated the car ( thats false they never sent an adjuster out to view the car ) they said the reason for my denial was due to wear and tare which is fale it was due to negligent service, they have a recorded call with myself and the mechanic who damaged my car admitting to it. because his insruacne tried to pay out. I have been a loyal customer for 13 plus years, I was never told that my policy which is " full coverage '' didnt include neglgient service, had i known i would of never went with usaa and or taken it to a private mechanic.
Product: Credit card or prepaid card

I have a Citibank ThankYou Visa card. On XX/XX/XXXX, I paid the outstanding balance of {$33000.00} in full via a transfer from my Citibank checking account. On XX/XX/XXXX, the same payment was again transferred from my account. 
I called the credit card customer service and asked to get my money back to my checking account. I spoke with XXXX ( XXXX ) who promised to expedite the refund. 
On XX/XX/XXXX I called again, and ask to speak with a supervisor. I was told that it takes up to 10 days to issue a refund, and there was nothing else she could do about it. 
On XX/XX/XXXX I also spoke to my Citibank branch in XXXX, and they called on my behalf and received the same answer. 
On XX/XX/XXXX again the Ciitibank branch called on my behalf, and was told that it will take a few more days to issue the refund. 
Today is XX/XX/XXXX and I still do not have my money back. {$33000.00} is a lot of money, that I need to get back, and nothing is being done. I would hope you can help in getting my money back into my checking account immediately. 
Thanks, XXXX XXXX XXXX