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

This is a complaint to Ally Financial , Inc for violating multiple laws in regards to the following account # XXXX. I had filed a cfpb complaint against this company to which they had responded that I had sign the contract. However, in Ally Financial , Inc terms and conditions they agreed not to share my information with non affiliates to which they stated the the credit bureaus is an affiliate. XXXX, XXXX, and XXXX is not an affiliate of Ally Financial , Inc because they are NOT " credit bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. If they believe otherwise, I demand that they send me proof that those consumer reporting agencies are indeed bureaus and it must be written in federal law. Additionally, I demand to be sent the book entries security of this account to validate this information. If they can not provide this, then they must remove this account from all consumer reporting agencies such as XXXX, XXXX, and XXXX, and any and all other 3rd party agencies. Further more, this company is violating the fair credit reporting act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Ally Financial, Inc ) making the report. Pursuant to 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Ally Financial, Inc ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. There are two inaccuracies with this account. The first is both XXXX and XXXX are reporting two completely different information which is already grounds for removal. The second inaccuracy is that this account is marked as a charge off / cancelled debt and that can not be reported due to the fact that the IRS considers charge off as income. So in addition to validating this debt by sending me the book entries security, I am now requesting a copy of my 1099c that was filed when this debt was canceled/ charged off on XX/XX/2021 as I never received it. Lastly pursuant to the fair credit reporting act, to be more specific 15 USC 1681b, This also serves as my consumer instruction to remove this account from my consumer reporting a.k.a credit reports.
Product: Credit reporting or other personal consumer reports

I want to exericise my right to opt out from sharing my information with third parties pursuant to my rights under the Gramm-Leach-Bliley Act specifically under Title V, Subtitle A, Section 502.
Product: Debt collection

Phoenix Financial Service placed a collection on my credit reports in XX/XX/2020. I was confused as I do not owe anyone money, so I called to inquire. They stated it was from a medical bill from XXXX XXXX XXXX, but I have not lived anywhere near that hospital nor been to it in over 10 years and Phoenix said they did not know the date of service or any other details- that is the first illegal thing. I was interested in settling the debt, but was then told by Phoenix that they sold the debt, but they couldn't find out who they sold it to in the system. I spoke to three different people and none of them could tell me who owns the debt or how to pay it. How can I possibly get something off the credit report if the creditor can't even tell me how or to who? Also illegal. Lastly, I was told that they had the debt for several years ( yet didn't report it until 2020 ) and, " Don't worry, it will fall of your credit soon since it's so old ''. Completely unprofessional and was also a lie, since it is still on there 5 months later. Disputed with XXXX  and it was denied, so they obviously received different information than I have. I have never received any written communication from Phoenix either, before the collection or since I found out about it, which is also illegal.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance : {$660.00}
Product: Money transfer, virtual currency, or money service

I used XXXX ( XXXX ) through my chase app to pay someone for concert tickets. Turns out the person was a scammer and did not send me any tickets for my payment of {$280.00}. I have filed a claim with chase and they have told me that there is nothing they can do other than wait for a response from XXXX. I call XXXX and they tell me that there is nothing they can do. I just find it hard to believe that both Chase, who Ive been banking with for years, cant do anything to recover the funds. Im getting very frustrated since no one can do anything to help me.
Product: Bank account or service

After years of being a " good cutomer '' at Citizens Bank, they elected to terminate our business relationship. This included my wife 's business account ( a nonprofit ), her individual account, our joint account and a joint account with my son. This is done by sending a letter that looks like the rest of their junk mail and being given a week to clear my accounts. They said that the decision was permanent and final. They also said that they did not intend to give the reason. My credit scores are excellent and I have never been deliquent.They erased my bill paying functions and I have lost all records of recent transactions, including those they they decided to no honor. 
My funds are now frozen. They offer no explanations. 
This may be legal, but, certainly, not ethical. 
I suspect that this was triggerred by my wife 's nonprofit organization ( XXXX XXXX XXXX ) works in XXXX where they help with the education of children orphaned by XXXX through microluans to the familis and by direct educational support ( XXXX ). Funds are periodically wired to XXXX. Nevertheless, the operations are quite transparent. If this is the case, then they are guilty of a sloppy investigation. So, it must be something else.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 my mortgage Fico score XXXX was a XXXX. Then on XX/XX/19 an erroneous collection account reported by XXXX XXXX, which dropped my XXXX score by XXXX points. The account has now been removed but I did not get back all of my points back. I am showing I only got back XXXX points. My score was unfairly reduced by an inaccurate reporting on my credit file which has been now corrected but the points were not updated for the mortgage score.
Product: Debt collection

Company NAM, LLC has been calling me and other family members about a closed bank account, saying I owe money on this account. I asked that they mail me information about this account, they refused. I searched the phone number online and found that many people have experienced calls from this company and that it is a scam. Number I was told to call is ( XXXX ) XXXX
Product: Credit reporting

XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX I have submitted a request for over two years to remove the above accounts off my credit report with Experian & XXXX advised them to validate the account as I have no knowledge of the XXXX accounts. 

It was removed from XXXX but still remains on experian and XXXX
Product: Debt collection

Multiple collections for nondescript accounts have been added to my credit report over the span of 30 days with no notice or explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationwide Recovery Services failed to provided me with a contract bearing my signature of an alleged Debt that they said I owe them. there are various accounts on my credit report from them, I sent the first letter asking for VALIDATION, NOT VERIFICATION of any contract that I have with them bearing MY SIGNATURE. and they have failed to provide me any documentation bearing my signature. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Nationwide Recovery S ervices.   I am again formally requesting a copy of any documents, BEARING MY SIGNATURE, showing that I have a legally binding contractual obligation to pay you the alleged amount.  <P/> An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 i was in the market of purchasing a new home.. I pulled a my credit report and to my surprise there where a few Potentially Negative items on my report that should not be i reach out all credit company and credit bureaus so resolve the account but haven't had any luck... 

One is the XXXXXXXX XXXX XXXX I been in dispute with for the pass couple of year do to an account that they have Charge off an the amount of $ XXXX account was written off.. IRS states charge off accounts means they wrote it off as a tax write off and took the loss.. Which its now consider income i never received a XXXX from them. This account is affecting my credit score.. 

Second on is XXXX this account paid in full but it closed and also reporting negative on my credit report i have tried to remove this item several times in XXXX  i have contact all three credit bureaus and creditor.. 

Lastly Jefferson Capital Systems i have no knowledge of this account i have reach out to creditor by letter asking for all documention that i have yet to receive i have disputed this with all three bureaus
Product: Credit card

U.S. Bank Online Case # XXXX For almost a year now, I have had no access to logging into my " corporate '' account number. 
When I login to my account it shows that I don't have any charges, but then I get a bill that says I owe money and a late fee to an account where I can't login. Now I have a {$40.00} late fee for an account where I can't login. 

Every time I've tried to login to this account it says, " We're having trouble verifying your account. Double-check your account information and try again. '' Literally for an entire year. 

I've emailed XXXX XXXX Internet Support Specialist l Customer Care Operations at U.S. Bank 14 times! Nothing has been resolved in 10 months. I had 29 emails with XXXX XXXX. Digital Communications Specialist and nothing was resolved. 

This is the 2nd time I've had to contact the CFPB about this card and U.S. Bank. They resolved the previous issue ( XXXX ) but blamed me for the issue and made it sound like it was my fault. Two of your employees, plus a total of 43 COMBINED EMAILS and 10 months couldn't figure out what's wrong. 

I would appreciate : # 1 Forgiving the {$40.00} as I had to call in and pay my $ XXXX balance over the phone # 2 Fixing the issue, which is being able to login to the " corporate '' account ; this has never been resolved. 

When it's convenient, please contact me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has agreed to a settlement worth {>= $1,000,000} benefiting consumers who received notices from XXXX that failed to comply with state requirements. 

Two Classes have been established : Nationwide Class : Anyone who was named as a borrower, co-borrower, obligor, co-obligor, buyer, co-buyer, purchaser, co-purchaser, guarantor, owner, or co-owner in a Covered Contract, whose Covered Contract was secured by Collateral, whose Collateral was repossessed voluntarily or involuntarily and whose Collateral was disposed of during the Class Period. 
Missouri Class : Anyone who obtained a Missouri Certificate of Title from a motor vehicle identifying XXXX XXXX  as the lienholder as a result of entering into a Covered Contract, or who was named as a borrower, co-borrower, obligor, co-obligor, buyer, co-buyer, purchaser, co-purchaser, guarantor, owner, or co-owner with a Missouri address in a Covered Contract, whose Covered Contract was secured by Collateral, whose Collateral was repossessed voluntarily or involuntarily and whose Collateral was disposed of during the Class Period. 

XXXX also has agreed to no longer seek collection on a portion of any deficiency balance reflected as outstanding in XXXX records after XXXX repossessed and sold the property. 

The value of this benefit, called the Gross Deficiency Waiver Amount, will be at least {$700.00} XXXX. The amount of the waiver will vary for each Class Member, but it will be the amount of their deficiency balance or {$1300.00}, whichever is lower. 


ALERRRRRTTTTTTTTT!!!!!!! 
In addition, XXXX XXXX has agreed to stop occurring finance and late charges on Class Members deficiency balances as of the settlements effective date, and will request that XXXX, XXXX, and TransUnion delete trade-line information on Class Members credit reports that is related to their XXXX  account that is subject to this settlement. 

FOR MORE INFORMATION VISIT THE WEBSITES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A two days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2021 XXXX XXXX has stolen the identity of XXXX XXXX changing email address and changing information on her credit report using the social security number without consent and continues to do so as of XXXX XXXX. Ive filed several police reports. 
XXXX XXXX opened a XXXX card in the name for XXXX XXXX. And charged items in the amount of XXXX in charges. Several charges on Lowes account amounting to XXXX Credit card came to my address with his name on it. 
XXXX XXXX changed my address at the post office system and had my mail routed to his address XXXX XXXX XXXX XXXX XXXX WI XXXX I have a email from the Postal inspector of XXXX stating the issue of the fraudulent address and a phone transcript. He stolen my XXXX account. Hes changed my XXXX so much that Im completely locked out of that account all together. Proof of that. XX/XX/XXXX XXXX he ordered my drivers license with the stolen credit card he open from XXXX card. 
XX/XX/XXXX {$71.00} at XXXX XX/XX/XXXX XXXX at XXXX he tried ordering food from XXXX with my XXXX XXXX The list goes on with several different attempts to open accounts. 
XXXX XXXX tries to log in for my XXXX mail account XX/XX/XXXX XXXX attempts. XX/XX/XXXX XXXX attempts XX/XX/XXXX XXXX attempt and XX/XX/XXXX XXXX attempts. Changed XXXX password change XXXX XXXX my XXXX account as well. I have several email stating someone on Wisconsin computer trying to get into my accounts. 
Recent activity was on XX/XX/XXXX changed my phone number on my credit report XXXX to phone number XXXX and XXXX to XXXX. Old email address is XXXX. XXXX XXXX is making several attempts to hack my emails account as well. He does it at night when Im sleep and notifications wake me all through the night. 
Friday XX/XX/XXXX tried logging in to get my Tax information 5 attempts. 
On XX/XX/XXXX he called Lowes again according to records trying to get access to my Lowes account again. 
XXXX XXXX XXXX A.M. hes attempting to get into a Venmo account. This has been going on since XXXX of 2021. There is more attempts that are not listed here. 
XX/XX/XXXX, XXXX XXXX calls to tell me that he has tried to open a Walmart XXXX XXXX card in my name but shut it down. 
XXXX XXXX is resilient and will not stop. This has really become a burden and Ive not been able to function because of this situation. Ive been sick with anxiety ever since this has been happening. Included in this lawsuit is for emotional distress.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX, XXXX, TransUnion, and a Debt Collector for multiple violations of the Fair Credit Reporting Act ( FCRA ) and state laws regarding debt collection in Mississippi. 


Violation of Mississippi Statute of Limitations on Debt Collection : Under Mississippi state law, the statute of limitations on debt collection is three years. The credit reporting agencies and the debt collector have violated this statute by continuing to report and collect on accounts that are past the legal statute of limitations. These accounts should have been removed from my credit report and should not have been pursued for collection beyond the three-year limit. 


Identity Theft and Data Breach Impact : I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number. This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. 

Failure to Block and Remove Information : Despite my multiple attempts to notify XXXX, XXXX, and TransUnion about this identity theft and data breach, they have failed to block and remove the inaccurate and unauthorized information from my credit report and failed to remove past the legal statute of limitations debt. Under FCRA 15 U.S.C. 1681c-2, I have the right to request that fraudulent information be removed from my credit report when I provide proper documentation, such as an FTC Identity Theft Report.
Product: Debt collection

I had a bill from XXXX XXXX XXXX regarding a visit in XXXX 2015. I paid this debt in full in XXXX 2015. XXXX did not credit the payment and has continued to send me bills. Then, I received a letter from a collections agency today for this bill that had been paid in full. When I called the debt collection service they told me their records did not show me owing anything. If that 's the case they should not have even had me in their system. " XXXX '' told me he would contact XXXX to reconcile the account so that I would get no further correspondence. When I asked for " XXXX 's '' last name for future reference to ensure this matter had been reconciled he refused to give it to me. 

This matter is problematic for a couple of reasons. First, if I do not owe the debt then I should not have been in their system. Second, I had to give XXXX my full name, date of birth, and address before he would speak to me. There is no way for me to determine if he really was a valid debt collector and not just somebody asking for my name, birthdate and address. This could have been a scam and I just gave some unknown person my personally identifiable information. 

In addition, I had the same problem with ASE last year where they did not credit my account with my payments and I had to fight with a different debt collection agency to get my payments credited and to have them remove the improper and un-owed debt from my credit report. 

I would like someone to look into XXXX and their billing and payment received actions. This is not a company that I can simply stop using as they are emergency room physicians in this area. 

I would also like someone to look into Client Services Incorporated, the supposed debt collection agency. Refusing to give out a last name but refusing to talk to an individual before they give them their PII is unfair and insecure. I have already been advised that my information has been compromised due to a recent cyber-hacking incident and I need to be vigilant about watching my information. It puts people in a very bad position since if they do n't do anything and everything asked of them the debt collection agencies will ruin their credit and never have to answer for it. 

I would appreciate your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out that someone has been using my SS and personal Identification to open up accounts and lines of credit without my knowledge. I found several addresses and phone number that are not mine listed on my credit report. I have file a ID theft report with XXXX XXXX already this is a follow up report for the local authorities. The following account are fraud : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. There is a unauthorized Inquiry on mine report from XXXX  never applied for any account for business. The following addresses I do not live at and are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am requesting FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days from all three credit bureaus.
Product: Money transfer, virtual currency, or money service

SEE FILES ATTACHED!! I have filed TWO XXXX complaints and have put the attorney general on notice. I am also prepared to file an internet crime complaint via IC3 with the FBI. Mercari LIED to me in writing. They told me to let the items i shipped out be delivered and to then withdraw money from my balance. Well after one of my items was delivered, I tried to withdraw my money and I CAN'T because Mercari has limited my account. They STOLE money from me. I will not hesitate to sue if a resolution is not reached. They have ignored my messages and they also closed a case that I opened without any prior communication. I opened a case on the website and without them even working on it, they just automatically closed it. They are trying to cover their tracks and stall. They then marked the case as resolved when they didn't resolve ANYTHING