23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ATTENTIN DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 MIDLAND CREDIT MANAGEMEN Reported : XX/XX/2020 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEMEN Reported : XX/XX/2020 I have report your company to consumerfinance.gov As  a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the  XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach at XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 

I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim.

Additionally, I have identified that a Chapter 7 bankruptcy, which was not filed by me, has been erroneously added to my public records. The reference number is XXXX, with a filing date of XX/XX/year>. This information is a result of identity theft and must be blocked and removed from my credit report. 

I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Reference XXXX, Date Filed XX/XX/year> *XXXX Account XXXX I appreciate your prompt attention to this matter and request that you confirm in writing once these fraudulent items have been removed from my credit report.
Product: Debt collection

i contacted honda financial about this loan and it has been 45 days or more with no response, i tried to get the account information verified but had no luck getting a response, they in turn have added a late payment on my credit report for a car/loan i am not associated with.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX Partial Acct # : XXXX has violated my rights.

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 antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) Section States : 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: Debt collection

In an effort to have this collection agency validate this alleged debt I disputed ir thru the credit bureau. Within 48 hours ir came back as verified from the company Credit Protection Association. I asked how was the account verified? I have not received any written copy of the validation. I proceeded on and filed 3 cimplaints rhru the BBB each time this company refuse to send me validation of the alleged debt and state in their response that they do not have any information on me.
Product: Debt collection

I had a letter mailed out to Transworld asking for legal validation of the alleged debt, which I deny. I used the address provided on my credit report. The letter was returned as unbelievable
Product: Credit card or prepaid card

Hello I'm reaching out in regards to disputes I filed with CITI for a credit card I have. The first dispute is XXXX in the amount of {$2100.00} on XX/XX/2022 with XXXX. The day of our scheduled flights XXXX XXXX XXXX cancelled our flight stating they will refund the full amount of the flight as well as cover the reimbursement for the new last minute flight we had to book that day with XXXX  of {$3700.00} for a total of {$5900.00}. XXXX  only refunded a partial amount not honoring what they told all customers of that flight, I went back and fourth with them numerous times for them to tell me they won't be responding to my inquiry on the reimbursement for the last minute XXXX flight I had to book so I was advised to dispute the original charge with CITI to get at least majority of my money back. I submitted evidence of all of this that CITI clearly didn't review and they denied my dispute which is outrageous. My second dispute was with XXXX for the date XX/XX/2022 in the amount of {$880.00}. We paid in advance for the hotel in Chicago for my sister 's birthday trip and when we went to the hotel the room was filthy, the manager at the reception desk confirmed they weren't cleaning their rooms before turnover " due to cleaning staff being sent home. '' Ridiculous especially during a pandemic! He refused to check us out telling us to call XXXX for our refund this I got all on video, along with the pictures of the dirty room, and screenshots of me reaching out to XXXX and them never responding like they said they would. Still can't get a hold of them this day even by phone. I submitted all of this videos of the interaction with the rude manager, photos of the dirty room, receipts for the new twice expensive hotel we had to book last minute for the same exact dates and CITI didn't even review my evidence just took XXXX word for it when they wouldn't even respond to me!! CITI never looks out in their customers best interest even with solid evidence for both disputes! I tried calling it to dispute the ridiculous final decisions made to get representatives that don't understand any english so I waste over 40 minutes just trying to get to the dispute department ( Which they never transferred me to ). The XXXX  dispute # is XXXX.
Product: Credit reporting or other personal consumer reports

It has come to my attention that your financial institution is reporting information to XXXX XXXX XXXX without my knowledge or authorization. 

According to 12 CFR 1016.1, you are required to provide notice to customers about the privacy policy and practices. I never received such notices upon signing up for an account. Per 12 CFR 1016.4 you are required to provide a clear and conspicuous notice that accurately reflects your privacy policies to a consumer BEFORE you disclose any nonpublic information about me to any non-affiliated third party. XXXX XXXX XXXX is not an affiliated party pursuant to your privacy policies listed on your website. 

According to 15 US 6802, " a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third-party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ''. I was not provided any such notice prior to you disclosing this information nor was I told how to exercise the non-disclosure of my nonpublic information which is a violation of this law. 
Additionally, it is a violation of the Privacy Act of 1974 to furnish financial transactions. 

This is my second formal demand to opt out. You must comply with my right to opt out. Please note my right to opt out is indefinite unless you receive written communication from me stating otherwise. I am demanding you cease reporting to XXXX XXXX XXXX and instruct them to delete the entry from my consumer report. 

If you choose not to comply, I will be forced to not only report you to regulatory entities, I will also be taking necessary legal action.
Product: Credit card or prepaid card

The credit card was closed on XXXX XXXX by the company. The balance owed at that time was estimated to be around {$600.00}. I have made a payment on the closed account every month. What I'm noticing is that the minimum payment is going up, late payment is charged along with interest. It appears that after an entire year of making payments, what I owed will never be paid off. I actually owe more. 

When I contacted the credit card company they explained that I will continually be charged interest on the amount owed and the minimum payment amount will change ( go up ) based on the balance owed and late fees will be charged when I don't make the full minimum payment amount. 

Well that sounds to me like the account isn't closed. They are treating this account as an active account. Plus they reported some of my payments as late payments to the credit bureau. I need a set minimum payment amount under {$75.00} to pay every month on this closed account. After all when the account was active the minimum payment was {$25.00}.
Product: Debt collection

I reached out to Rent Recovery Solution by phone on XX/XX/2024. The rep was unable to locate account with my social, although a rental collection for XXXX at XXXX for {$2500.00} is reporting to my credit report. This confirmed that this is mismatching information and that this collection agency has the wrong person. Im requesting this be removed immediately and Im seeking damages financially of {$200.00} violating my rights, also negativity impacting my credit resulting in denied recent applications.
Product: Checking or savings account

I originally scheduled a payment for my rent to come out of my checking account on the wrong day that funds were n't available. I notified Citizens Bank 3 days before automatic withdrawals were due to come out of my account and ask them to stop the transactions. I woke up three days later in my  account was negative {$800.00}. Multiple efforts were made on my part to have them reverse the charges in my account was in good standing I wanted them to close it and I opened up a new checking account. My child support payment of {$300.00} could n't be stopped from being deposited into that account and for some reason Citizens Bank could n't transfer that money because it was in a closed status and credit only status but yet a whole week later they allowed an online loan shark to withdraw over {$100.00} and another transaction for {$25.00} to come out of my account. They ca n't even tell me who the {$25.00} was given to but how they could not give me access to my funds yet have third-party vendors take money out and they 're telling me right now I ca n't do anything about it. This has to be against the law they do n't make my child support available to me to take out or to transfer to my open checking account yet they let to vendors that I do not authorize and I do n't want them to take any more money out of me to take my money and they ca n't reverse the charges now apparently they 've reversed their own mistakes too many times now and they 're Tapped Out. This ca n't be legal.
Product: Credit card

On XX/XX/XXXX I have purchased a XXXX from a Merchant called XXXX XXXX with a total cost of {$3800.00}. On XX/XX/XXXX, I requested the merchant to return the merchandise as I was not happy with it. The merchant issued me a XXXX XXXX to do it. 

I returned the merchandise using the label provided by the customer as requested. The tracking at the time showed that the merchandise was successfully delivered to the merchant. Merchant claimed it did not receive it, despite me following their instructions to the T. As the merchant claimed they had not received it, I opened a dispute with Amex and provided supporting documentation for it showing I did all the steps I was required. Amex representative at the time did not listen to my reasoning and ruled in favor of the merchant. Tracking is not available any longer but Amex should be able to see all documentation i've uploaded related to the case through the multiple conversations we had. I would like CFPB to support me to reopen this case with Amex and I'm loooking to have this dispute being ruled in my favor and being credited {$3800.00}. 

Dispute Number : Ref. XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I certified mailed my dispute to Transunion requesting that they reinvestigate the XXXX inaccurate accounts reporting on my credit file. On XX/XX/2024, Transunion responded that the accounts were verified as accurate. 

In accordance with section 15 USC 1681i, specifically subsections ( a ) ( 1 ) ( A ) and ( 5 ) ( A ) ( i ) ( ii ), it is mandated that the credit reporting company undertake a thorough reinvestigation to ensure the completeness and accuracy of disputed information within a 30-day timeframe. Should the investigation reveal that the disputed information is indeed inaccurate or incomplete, the credit reporting company is required to promptly delete the corresponding accounts. 

ACCOUNT # XXXX ; XXXX XXXX ACCOUNT # : XXXX ; XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi, I have tried to send an international transaction and it was cancelled by a platform called Instarem ( www.instarem.com ). This seems extremely opaque and makes this platform a security issue, with all my personal details. 

Further when asked for a reason, although they have my bank details, SSN ; they refused to provide any further assistance. Other than to say : i ) " Unfortunately, due to security reason we can not provide the exact reasons to it. '' ii ) " We can not disclose the exact reason as per XXXX, XXXX ( U.S. ) Program Customer Agreement, we reserve the right in our sole discretion to refuse any transaction. '' Any help to ensure that customers are not negatively impacted by such a blanket statement would be greatly appreciated. 

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

I have tried disputing these inquires that I didn't authorize. Experian has violated the credit disputing laws, my next step will be to file a complaint with the federal trade commission. 

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: Credit reporting or other personal consumer reports

I've requested Experian to remove XXXX inaccurate addresses from my consumer file. 

The addresses listed below are not attached to any current active accounts. 
XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX current address is listed correctly : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX Experian violates 15 U.S. Code 1681e - Compliance procedures XXXX b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that 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 the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

On XX/XX/XXXX, my underage XXXX son attempted to purchase concert tickets and ended up purchasing from a 3rd party website that was NOT the primary point of sale site for this event. He purchased two tickets using my " affirm '' buy now pay later account. I was notified of the purchase via email as soon as it went through and instantly contacted the company, XXXX XXXX, to request a cancellation. I explained the situation and that the purchase was made by a minor and was unauthorized. XXXX XXXX  stated they would not cancel and refund the purchase, but suggested we list them for resale on their site- which would net them additional money as they take a portion of the sale proceeds as commission on the sale. I mentioned that I did not feel comfortable listing tickets for sale when we do not have possession of them- and especially when it will put additional money into their pocket, which seems unreasonable ( we still do not have the physical tickets and i believe my son may have been scammed which is why i immediately attempted to cancel the purchase and dispute the charge ). I reached out to affirm and gave them all of the information and documentation and filed a dispute for the purchase. I have repeatedly reached out to them for resolution, to no avail. I was told that by filing a formal dispute, we would not be responsible for the monthly payments until the dispute had reached a resolution. Due this information, I did not make the first monthly payment. Upon missing the payment, i began to receive daily calls and emails from affirm, attempting to collect the debt, and threatening my credit. I spoke with multiple representatives who called in an attempt to " collect the debt '' was each time I told them about the dispute, they confirmed my credit would not be impacted. Finally, on XX/XX/XXXX, after yet another call from a representative attempting to get me to make a payment over the phone, I had told them it had been well over 90 days since i filed the dispute and I am now feeling harassed and that there MUST be resolution for this unauthorized charged, since the XXXX refuses to cancel the transaction. I received an email on XX/XX/XXXX from affirm, stating they are not ruling to cancel the transaction and that I am responsible for this debt and will need to pay or my credit will be affected and reported. So I am now filing this report in hopes that my credit will not be impacted moving forward, and to dispute any negative remarks from affirm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked EXPERIAN to do a verification of everything on my consumer report and they stated they did and that everything was already verified as accurate. However I did my own investigation and found several inaccuracies on my consumer reports, even after EXPERIAN said everything was verified and they conducted a full " investigation ''. Experian removed the XXXX XXXX account in XX/XX/XXXX of 2021. Then experian reinserted XXXX XXXX  on XX/XX/2021 which then violated me per 15 USC 1681i. I have been struggling with the following accounts ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Experian and the companies listed above have all violated my rights several times over and caused me several damages.
Product: Debt collection

Southwest Recovery Services ( https : //swrecovery.com/ ) has been repeatedly calling me about giving them a credit card number for a debt that has already been settled in full with XXXX. I moved my service and long story short - XXXX created a separate account and started billing me on the new account but a small amount ( {$100.00} ) was outstanding on the original account. When they made me aware of it, I paid it immediately. ( I HAVE NEVER BEEN LATE ON ANY PAYMENTS MY WHOLE LIFE - EVER! ). 
SW credit has been sent both documentation and told several times on the phone about the settlement of this debt. I have also gotten a SW credit rep on the phone with time warner to explain that the debt is settled in full. However, they continue to harass me and have a collection on my credit report for this. PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed with XXXX XXXX, XXXX  and Experian. I even have the letter of resolve from XXXX XXXX saying that the loan Does not belong to me but all there entities have not removed the account. The account XXXX in the amount of {$4700.00}. This has impacted my life so much and its hard to get my life back on track. I just want them to remove it from my credit Now! I last contacted them XX/XX/20 and they claim its reported correctly. I want this removed its wrongly reported and I've done what was expected of me to have it remove. They need to take care of this.