23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This collection company has been stressing me out and has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately from mycreditreport.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the description to Transunion Because the account XXXX XXXX is reporting innacurate information to all bureaus. This company said they reinvestigated this account as accurate but they failed to provide documentation of the procedures they took to validate this account, I would like cfpb to step in because this credit reporting agency its violating my rights. 15 USC 1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Bank account or service

PayPal conducted an unauthorized credit inquiry on XXXX XXXX, 2016 on my credit report. Because they enrolled me in a PayPal Credit without my knowledge or consent, making me use Paypal Credit for purchases instead of my credit card and mishandled my dispute about the case.
Product: Debt collection

When I sent a letter requesting Midland Funding to validate an alleged debt and provide their Texas license and bonding information ( as required by Texas law ) they not only did not send the information but sent me a letter refusing to validate the debt. A few months later they placed major derogatory information on all XXXX of my credit reports. This ruined an excellent financing opportunity I 'd applied for at about the same time. The specific reason I was declined was due to their recent illegal reporting of a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX//2022 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

On my XX/XX/XXXXcredit report, there is an amount of {$470.00} owed to Merchants & Medical Credit. The original creditor is XXXX XXXX. This debt is not mine, it is for a debt of a school I never attended, and I was in another country at the time this debt originated. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections of the FCRA that prohibit deletion.
Product: Checking or savings account

On XX/XX/2024 I reported there was a check that I mailed, which somehow was cashed fraudulently. The receiving contacted me that they had not received the check, I immediately contacted Wells Fargo and filed a claim. Wells Fargo has delayed investigating in a timely manner and restoring the funds, I am a 37 year customer and have been given the run around with staff. I have escalated my complaint, was told I would receive a follow up response in a couple of days and its been over a month.
Product: Debt collection

Never received a letter about medical debit for XXXX. Never had option to dispute or confirm debit.
Product: Debt collection

UCB = United Collections Bureau I received a letter in XX/XX/XXXX that the debt collector United Collections Bureau, that has bought a debt from XXXX XXXXXXXX XXXX, closed my debt account after they did not adhere to the FCRA debt validation process. {$290.00} was taken out of bank account by XXXX XXXXXXXX XXXX without any written notification or phone calls. I previously verified the debt was owned by United Collections Bureau by mail. I did not receive any documentation by XXXX XXXX about the debt. 

My local XXXX XXXX branch banker sent me to someone else who I spoke to at XXXX today at the XXXX XXXX location in XXXX, OH. She said that I was scammed and didnt know what I was talking about. She refused to talk to the collections department she called about my concerns specifically reviewing the paperwork I brought from UCB verifying the account was closed. She would not look at it and advised me to just pay the money today. She gave me a non-working number for the collections department. She also said there was no one I could dispute the debt with. I attempted to called her office number and it was as for someone else. Im attaching all the paperwork. 

I need the money back because I have already settled the debt with UCB. Based on the FCRA laws and how I only received documentation about this debt. XXXX XXXX XXXX sold the debt to UCB without notifying me. When UCB notified me of my account with their debt collection being closed, I was informed in writing that they were no longer pursuing the debt. Documentation is attached. 

XXXX XXXXXXXX XXXX  would have had to repurchase the debt. XXXX XXXX banker merely stated that the debt was charged of to collections in XX/XX/XXXX. She did not provide any paperwork. I received the documentation from UCB in XX/XX/XXXX. I need for XXXX XXXXXXXX XXXX to explain when the debt for {$450.00} to their bank was repurchased by their bank. UCB needs to provide the original validated documentation. I have done my part and yet Im still be held responsible for a debt I am not obligated to pay.
Product: Credit card or prepaid card

I was scammed for {$3000.00} by someone that supposed to be a lawyer. I did not receive the service this guy supposed to have given me, which was to file a law suit for me against this company for personal injury. Twice Capital One told me to fill out this dispute paperwork for the {$3000.00} charge made on XX/XX/2022. The last time I filled out the paperwork and sent to Capital One was on XX/XX/2022. On XX/XX/2022 they told me returning the paperwork on XX/XX/2022 was outside the 180 days window from the original date of XX/XX/2022. It is too late to continue the dispute. This is not true. They lied to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report that I do not recognize. Also, there is numerous addresses and names or the spelling of my name that are reporting that I do not recognize as well. The only name and address that should be listed on my credit report it is the one below. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I have contacted Experian, XXXX and XXXX over 10 times to have them deleted so that I have a accurate credit profile but none of the credit reporting companies have respected my rights. 

XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX 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 - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ( XXXX XXXX XXXX ) for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 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 ( XXXX XXXX XXXX, 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 ( XXXX XXXX XXXX ), continues its collection efforts, I will file for litigation for actual damages caused and ( XXXX XXXX XXXX, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

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, credit repair services, or other personal consumer reports

I recently had to buy a new vehicle and I found out that TransUnion has not been reporting my payments on my used car loan that I have been paying on for nearly 5 years. I contacted my lender and they told me that they send the information to all 3 credit bureaus every month. I have never missed a payment and that is my oldest credit on file. Since I didnt have that credit showing and I have to get another vehicle I ended up with an insanely high interest rate. I used my credit union ( XXXX XXXX XXXX XXXX ) for the first loan that still isnt being reported through TransUnion and thats who I got my new loan through. Even though they new my situation they didnt seem to care about helping me figure out how to fix the reporting. I called TransUnions phone number and their number employees didnt understand what I was telling them and they kept getting disconnected from me. I asked my credit union if I could get everything fixed with TransUnion if they would let me refinance and they told me that they dont refinance just so people can have better interest rates.
Product: Credit reporting or other personal consumer reports

Hello, Please completely remove me as authorized user from the XXXX XXXX XXXX XXXX credit cards attached - there are 2. 

Please completely remove these tradelines from XXXX, XXXX, and Transunion- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please note that are 2 credit cards. 

Please have this handled as soon as possible.
Product: Debt collection

Account # XXXX {$990.00} Account # XXXX {$330.00} Spoke with this creditor XX/XX/XXXX, I was instructed that if I paid everything off in full that it would be deleted from my credit report and I would be issued a letter stating items were to be deleted. I asked if I could have a letter faxed to me stating this. They said yes and took my fax number down. I called back on XX/XX/XXXX and made the payment in full for {$1300.00}. The agent I spoke with that day told me that she could not fax me the deletion letter. I informed her that was not the agreement I had made on XX/XX/XXXX. She went on to say there was nothing that she could do to help me. I asked ot speak with a supervisor, I spoke with XXXX who was extremely rude. She kept screaming and cutting me off. 

I asked XXXX if she would listen to the recording from my last call and give me a call back. She refused to do this. I told her that they should honor the verbal commitment they made with me on XX/XX/XXXX. She continued to uphold the promise that was made to fax me a letter stating that the items would be deleted. I was told that XXXX was her manager, I called him on XX/XX/XXXX. However, he never returned my call. 

When I first reached out on XX/XX/XXXX about having this issue cleared, I let them know that I was in the process of purchasing a home and this is hold up everything. My lender needs these items to be removed, before issuing my approval to purchase. My family is living in a hotel, waiting for these XXXX items with XXXX to be deleted. 

At this point, I do not know what else to do as I was lied to and mislead by United Revenue Corp. I have asked them on numerous occasions to listen to the recorded phone calls, they told me even if the represented told me that she could fax me a deletion letter they would not. At this point it is my assumption, that they blatantly lied to me in order for me to make my payment in full. They had no intentions on deleting these items, even though they stated that they would be on a recorded line. 

I wanted to try reaching out via CFPB before getting legal counsel and filing a lawsuit. XXXX has violated my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to investigate credit inquiries not authorized by me these credit inquiries are lowering my score and XXXX refuses to investigate, stating that inquires are a matter of factual data XXXX states that creditors have the right to view my credit without my authorization and affect my credit score and there is nothing I can do about it
Product: Credit card or prepaid card

XXXX XXXX system must be experiencing a bug or glitch, as they are offering conflicting assessments of approval odds for the same product. As you can see in the " XXXX '' screenshot attached, CreditKarma indicates there are five different thresholds/tiers for approval odds : 1 ) Excellent, 2 ) Very Good, 3 ) Good, 4 ) Fair, and 5 ) Poor. As you can see in the " XXXX '' screenshot attached, on the left hand-side of the product being recommended to me, there is a vertical bar chart with five squares that are clearly meant to correspond with the 5 different approval odd tiers. If three squares are filled in, the consumer has a " Good '' chance of being approved, if five then " Excellent '', and so on. As you can see in the screenshot, four of the five squares are filled in, indicating " Very Good '' approval odds. However, immediately adjacent to the four filled in squares I'm being told my approval odds are somehow better than " Very Good '', they're actually " Excellent ''. It's unclear which of the two assessment is the truthful one. Obviously, it be more concerning if the " Very Good '' one was the reliable assessment since customers with non-Excellent odds are being told they have Excellent odds at being approved.
Product: Student loan

I had a XXXX in XXXX 2016 and went on the income=driven repayment plan as both my husband and myself were not working. I was advised by XXXX that the Federal Government would pay all of the interest on my subsidized loan and half on my unsubsidized loans. However, I do not believe this ever happened. I have contacted XXXX approximately ten times over the course of the year and each time have received totally different responses. At various times I have been told 1 ) they bill the Federal Government quarterly ; 2 ) they bill once a year ; 3 ) they had billed and were waiting for payment ; 4 ) that interest had stopped accruing on my account from the date I went on this plan, and most recently that 5 ) the government had already paid. However, NO record of payment has shown up in my account and it appears that all accrued interest was capitalized.

I am extremely frustrated. I do not believe that their customer services know anything about this process and keep trying to give me the run-around about what has happened. Today they claimed there had been payment but they could not provide me with any documentation of that payment, and it appears the balances are the same ( including the capitalized interest ).

It appears to me that the customer service agents have no idea how this process work, and make things up to cover for their lack of knowledge. I have spoken to supervisors there and continue to get the run-around. Today the representative I spoke to offered to transfer me to someone with whom I could file a formal complaint ; after being on hold for 20 minutes I gave up.
Product: Credit reporting or other personal consumer reports

I sent a letter onXXXX XXXX XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to XXXX, Transunion and XXXX  via mail twice concerning inaccuracies that were on my credit report. however, still were unable to get items remove and accuracy reporting properly on my credit report. 
First Date was on the XX/XX/2021 and second date was on XX/XX/2021.
Product: Credit card

Citibank NA XXXX Shop Your Way Master Card - Shop Your Way Points earned, but never posted to account : The company has not awarded points from XXXX promotional offers : XXXX. Spend {$300.00} or more per month on travel/hotels/airfare etc. to obtain XXXX points for each month of XXXX through XX/XX/XXXX. 
- Activated XX/XX/XXXX. 
- Spent more than {$800.00} at XXXX XXXX XXXX in XX/XX/XXXX. 
- XX/XX/XXXX - Citi said on phone that the points were earned on XX/XX/XXXX. 
- Points have not been received. 

XXXX. Spend {$800.00} or more online between XX/XX/XXXX and XX/XX/XXXX. 
- Activated XX/XX/XXXX. 
- XX/XX/XXXX - Citi said on phone that online spending in the account qualified for the promotion. 
- Points have not been received.
Product: Student loan

I am currently receiving government assistance food benefits, health insurance, and cash benefits. Navient will not allow me to go into forbearance since I have used that all up. And they will not allow me to lower my payments below $ XXXX under the rate reduction program. I am currently unemployed and have no income coming in at the present moment. I spoke with Navient on two different occasions and only on the second try did they even offer rate reduction payment program. They were able to lower my monthly payments, however, I am still unable to afford the $ XXXX they offered me. I am currently XXXX, XXXX   belly a lot, and its been hard finding a job in recent months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXCOMENITY ZALESXXXX. I have never had this account. I have never had an account number. This is a fraudulent account that the three bureaus refuse to address because they get paid by the company. If you can not report fraud to the credit departments, then who?
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$1800.00} XXXX XXXX XXXX {$1900.00XXXX XXXX - XXXX {$150.00} XXXX XXXX - XXXX {$1900.00} DP XXXX XXXX - XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX - XXXX {$1400.00} XXXX  - XXXX {$0.00} XXXX XXXX XXXX {$180000.00} XXXX XXXX XXXX {$0.00} INQUIRY XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed these student loans for months. These are not my accounts an effecting my credit worthiness. XXXX  has been the only Bureaus who's removed most of them. Please assist me in getting this resolved. I was referred to this site as the last resort to bot getting thing fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I called Transunion about 2 inquiries on my credit report that were not valid which were XXXX  from XX/XX/2021 and XXXX  XXXX XXXX XXXX XXXX costumer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Credit reporting or other personal consumer reports

Noncompliance to Freeze According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) gives consumers the right to place security freezes on their credit reports : XXXX XXXX XXXX XXXX XXXX, a consumer reporting agency jointly owned by XXXX XXXX, JPMorgan Chase XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX refused my lawful request to place a security freeze on my consumer report. As parent companies, these banks are responsible for ensuring XXXX complies with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Their failure to properly supervise XXXX resulted in a violation of my rights under the below laws. I am seeking statutory damages, corrective action, and full compliance with federal law. They did not comply with my emailed request to freeze my account. They however replied with the attached XXXX 

According to Fair Credit Reporting Act ( FCRA ) Violations- Right to Security Freeze ( 15 U.S.C. 1681c-1 ( i ) ) o The FCRA gives consumers the right to place a security freeze on their credit reports to prevent unauthorized access.

Failure to Provide Accurate Consumer Rights Information ( 15 U.S.C. 1681g ) - XXXX XXXX XXXX XXXX has provided misleading information. 

Consumer reporting agencies must provide accurate disclosures about your rights. 

According to Gramm-Leach-Bliley Act ( GLBA ) Violations ( 15 U.S.C. 6801-6809 ) XXXX XXXX XXXX  is refusing to protect my private data Unfair or Deceptive Practices ( FTC Act - 15 U.S.C. 45 ) The Federal Trade Commission ( FTC ) prohibits unfair and deceptive practices.