23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a letter from IC Systems stating that they have sent my information to the credit bureaus in regards to the debt with XXXX XXXX XXXX XXXX. Whereas I was making payments on my account and was in constant contact with the XXXX office on charges and was told by personnel that they were still claims on my account with the insurance company and they will contact me when claims have been resolved and I will receive new payment information.
Product: Debt collection

This complaint is related to, and an extension of, a previous complaint filed against Veristone Capital ( CFPB complaint ID XXXX ). To summarize, I took out a construction loan from Veristone Capital ( VC ). VC stopped funding the loan prior to construction   completion and filed foreclosure proceedings once the note matured. This note was apparently acquired by XXXX, XXXX, in Trust for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX appears on the notice of foreclosure as the current holder of evidence of debt. I received no notice of the sale of the note. As best as I can tell, XXXX  is working in concert with the VC fraudsters. It was my contention in the previous complaint that VC never had the funds to lend in the transaction or intentionally sabotaged the transaction to create a foreclosure opportunity ( which had now been picked up by XXXX ). 
___________________ In the course of the foreclosure process, XXXX has violated CRS 38-38-102.5 ( Colorado 's notice statute ) ; CRS 38-38-103.1 ( Colorado 's single point of contact statute ) ; and CRS 38-38-103.2 ( Colorado 's dual tracking statute ). 
XXXX XXXX, XXXX and XXXX XXXX XXXX  XXXX XXXX, XXXX is/are no strangers to litigation concerning foreclosure actions. The SEC recently issued a Cease and Desist Order against XXXX XXXX based on various foreclosure shenanigans. It is believed that XXXX and XXXX XXXX or essentially the same organization. 
XXXX There is likely a prior working relationship between VC and XXXX to the point of suggesting complicity between the two organizations to defraud consumers through the foreclosure process. Both VC and XXXX should be required to turn over all records and communications between the two relative to this transaction.
Product: Credit card or prepaid card

Comenity Bank Unfairly closed my accounts now i ask them to remove those closed accounts from my credit and they are refusing to remove it. This is negatively affecting my credit score. 

I'm asking them please to remove these accounts that they refuse to reopen from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection is late by default and therefore can not report a late payment. XXXX XXXX made multiple inaccuracies and transunion hasnt taken the account off due to violation of my consumer rights. Instead, Transunion updated my account without doing a complete investigation. XXXX XXXX continues to make inaccuracies despite transunion updating the report. I made multiple disputes attempts even with proof of violation from XXXX XXXX and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter of verification to all three of the credit bureaus asking them to verify that all the account that I listed in the letters were correct and I would like for them to send me how the accounts were properly verified. I don't feel as if I am liable for this debt.
Product: Debt collection

Bonded Adjustment has called family and friends only stating " it's a financial matter ''. The individuals who called refused to identify them selves or their company. I was told they used a threatening tone, rude, and passive aggressive language when telling an acquaintance I  needed to call them at XXXX. I XXXX  the number to find out who the person was and it came up under Bonded Adjustment.

I have had dealings with these people in the past and the old woman whom I spoke with told me they were going to garnish my wages and keep garnishing until they got all they are owed. She also stated it will take a while because they will continue to add interest to the unpaid portion.

I have received several calls in a day, multiple calls through the week from different numbers related to Bonded Adjustment. The identity  registered " UNKNOWN '. The calls seem to be more frequent since the plague has stricken the economy! In my opinion, if they were doing things legit, why do they feel they need conceal their identity? Also, they use the same tactics as scammers and identity thieves. If any response is " yes '' they take it and run with it makin

g the lives of consumers a living hell!! That is how they trapped me a few years ago when I answered a call " UNKNOWN ''. I
was asked my name, if the number called was mine, birth date and the woman hung up. The next thing I knew, my savings account was minimal. It took me a while to find Bonded Adjustment was in my account!! 

When I moved in to an apartment, I couldn't get power due to a bill I had forgotten about in the midst of moving. I tried to pay the power company but was told I had to pay Bonded Adjustment. When I called to pay the outstanding electric bill, the woman who answered would NOT accept the payment unless I paid in full from an account I had no knowledge of from several years prior. When I stated I need make my car payment, she responded " you better borrow some money, or find another way to make tour car payment or you won ; t have any power! '' They are still at it today using similar schemes and tactics a bit more advanced and updated with artificial intelligence!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit account with XXXX called XXXX XXXX in 2017. When I opened the account I was in formed that it would never appear on my credit report XXXX says they own my account The account number they have is not my account number. I never opened an account with XXXX XXXX  and I have never heard of them until they appeared inaccurate information on my credit report. Now they are reporting false info to my credit report after I contacted them I have spoken with their fraud department. I said I never opened an account with them and had never heard of them. They admit they never informed me of credit reporting I have the recording form the fraud department of the XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, and a personal loan account opened at XXXX XXXX On XX/XX/XXXX under the account number XXXX, a wireless account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a utility account XXXX  under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission XXXX all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

As a consumer, I assert that XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX has consistently violated my right to privacy, as protected by the Privacy Act of 1974. XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, through its various iterations, have reported alleged information on multiple instances that have negatively effected my credit report without my authorization, in the amounts of {$4000.00} & {$160.00}. These actions are contravening the Fair Credit Reporting Act ( FCRA ), as explicitly outlined in 12 CFR section 1022.3. This section of the FCRA emphasizes the imperative for consumer reporting agencies to discharge their responsibilities with fairness, impartiality, and due regard for consumer privacy, stating, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Pursuant to 15 USC 6801, I, as the consumer, retain the right to ensure that my private information is not disseminated without explicit consent. XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, recognized as a financial institution under the same title, is subject to 15 USC 1681 section 604a section 2, which explicitly states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' In this specific case, neither XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX nor TransUnion, XXXX and XXXX, consumer reporting agencies, possess my written consent to furnish this information, rendering their actions unlawful. I hereby unequivocally revoke any and all consent previously granted to TransUnion, XXXX, XXXX and XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, whether such consent was verbal, non-verbal, written, implied, or otherwise. Additionally, it is noteworthy that XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, TransUnion, XXXX and XXXX neglected to apprise me of my right to exercise the nondisclosure option, exacerbating their non-compliance with relevant laws. Furthermore, the inclusion of this adverse item in my credit report by XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX runs afoul of 15 USC 1681C ( a ) ( 5 ), which explicitly states, " Except as authorized under subsection ( b ), 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 ( 7 ) years '', which the alleged information is not. TransUnion, XXXX and XXXX, as consumer reporting agencies, are duty-bound to uphold reasonable procedures designed to avoid such violations, as mandated by the requirements delineated in 15 USC 1681b . Additionally, 12 CFR 1016.7 further underscores a consumer 's right to opt out at any time from reporting services. Their failure to adhere to these standards indicates a breach of their obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XXXX to update this suspicious information. While I'm grateful for your actions but there are still remaining items that need validation, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$800.00}
Product: Credit card or prepaid card

Since XX/XX/2021, every time I've made a payment AMEX has refused to let me use my line of credit unless they called my bank to verify that I have money in the account or that the payment was posted. They even blocked my card and made me verify my bank details when I attempted to buy a bottle of juice of the train. This was never the case before then. My XXXX  friends who have the same card are never forced to verify that they have funds before using their line of credit. This makes traveling extremely inconvenient. At first, their excuse was that I was randomly selected to verify my information. Then it was that I tripped security protocols without emphasizing what exactly happened to do it. On XX/XX/2021, and XX/XX/2021 their dashboard claimed that a payment was returned for insufficient funds. Not sure if it was because of the weekend or holiday but in my bank statement it showed that AMEX took the money from the account without issue. They revoked my entire line of credit because of it. I was forced to call my bank again because I knew that was a lie. They did not leave a note updating this discovery for the next agent. They did not remove the false returned payment listed in the dashboard. Each time I make a payment I am forced to call my bank to verify redundant information and each time my bank sides with me. I believe American Express is discriminating against XXXX cardholders. There is no reason why I have to verify my bank each and every time I make a payment to access my line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to complaint number XXXX. The company 's response : Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXXEQUIFAX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or before XX/XX/XXXX XXXX XXXX XXXX offered free Credit Report Statements in connection with a XXXX XXXX XXXX.

I signed up and noted the online form would not accept my PO Box as mailing address, saying it required a street address. We have no mail delivery in this rural area.

I called XXXX and thought the account access problem was solved.

It was not.

I have repeatedly tried to sign-in and gotten messages indicating the password is incorrect. When I use the password recovery procedure with social security and XXXX  account number, it consistently returns the same message : " Please try again later.

This is a temporary issue, so it should work again in 30 to 60 minutes. If youre still having trouble, please give us a call.

TransUnion powers XXXX XXXX XXXX, and you can contact their customer service representatives Monday through Friday, from XXXX XXXX XXXX XXXX XXXX ET at XXXX. '' Apparently XXXX contracted with TransUnion to provide the free credit check report service.

Calling that number resulted in some of the poorest customer service experience ever received.

The first person who answered for TransUnion did not give her name on XX/XX/XXXX at XXXX XXXX. When repeatedly asked for her name she said spoke in an accent I could not understand. I asked her to spell her name and she hesitated. It turned out to be 'XXXX '. When I told her I was calling to recover access to XXXX XXXX XXXX, she put me on hold for 8 minutes with annoying music and no option to cancel it.

Then 'XXXX ' answered with an soft voice and accent that was difficult to understand.

She did not say what company or department she worked for.

XXXX  asked for my name, social security, DOB, Mailing Address to identify me.

When I told her about the mailing address/street address software problem with XXXX XXXX XXXX and TransUnion, she did not know what to say except that she would have to transfer me to someone else. She kept on repeating she was 'Here to help ' and I told her she was not helping, since all I wanted was my account access, not a runaround being repeatedly put on hold. She put me on hold and after 6 minutes of blaring music louder than her voice I hung up.

I seriously wonder if this is the kind of poor service XXXX and TransUnion CEOs XXXX XXXX and XXXX XXXX XXXX want their customers to have.

They are losing valuable relationships, goodwill and business referrals by putting customers through this ordeal without Corporate accountability.

That's why I called XXXX at CFPB to file a complaint and get help making XXXX XXXX XXXX and TransUnion provide the service they promised.

I noted that TransUnion paid {$17.00} M fines and restitution for Credit Report problems they created.

How about it CFPB?

Appreciate your help getting better service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report back on XXXX XXXX and noticed that a company called XXXX XXXX XXXX XXXX XXXX reporting on my credit report. I called the company XXXX times but no one ever answered so I decided to reach out to XXXX, Experian, and XXXX. I have sent all 4 companies certified mail return receipts stating that I was a victim of identity theft. I sent all 4 agencies a 6-page notarized identity theft affidavit with an FTC report and a Police report from the XXXX Police department here in California. I have sent them 5 different requests stating that this account has never been opened by me nor did I ever have a contract with XXXX XXXX XXXX XXXX. I sent the identity theft notification on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX, XXXX, Experian, and XXXX. I have included more than enough supporting documents to have this account removed.
Product: Debt collection

I went through the eviction process at XXXX at XXXX XXXX because I didn't want to continue to live in an apartment with stair damage. I feared for my life going up and down stairs that were not sturdy. I signed a rental guarantee policy at the time of move in that would pay any rental arrears at eviction, skipping up to XXXX and any damages up to XXXX. This policy was a condition of move in and would pay regardless of how long you stayed at the complex. The policy was paid at move in and was not a recurring charge. I advised National Credit Systems of this policy and that the complex has been paid for any amount owed when they sold this account to National Credit. It is not collectible and I will also be seeking attorney representation to dispute this as well. Nothing is owed to XXXX at XXXX XXXX and they know it. National Credit Systems knows this as well and they continue to fraudulently list this uncollectible account on my credit report. I need to have this account removed immediately.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am writing to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). My right to privacy, as outlined in 15 U.S.C. 1681 ( a ) ( 4 ), has been violated multiple times, and I want to clarify that I have never provided written authorization for the disclosure of certain transactions, as required by 15 U.S.C. 1681b ( 2 ). Additionally, my personal information, including my credit card and Social Security number, has been used without my explicit written consent, which violates 15 U.S.C. 1602. According to 15 U.S.C. 1681s, it is your responsibility to take immediate action to correct these errors. Equifax, XXXX, and XXXX have also failed to ensure the accuracy of the data on my credit report, as required by 15 U.S.C. 1681i ( b ).

In line with 15 U.S.C. 1681c-2 ( e ), Im requesting that these inaccurate accounts be removed from my credit report within 4 days of filing my identity theft report, instead of the usual 30-day period. Id also like to stress that the unauthorized use of my credit card, as defined by 15 U.S.C. 1602, has provided no benefit to me as a consumer, as outlined in 15 U.S.C. 1681s.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiry listed on my Experian credit report is fraudulent and not my credit inquiry : XXXX XXXX, XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30 day period ( 15 U.S.C. 1681i ( a ) ).
Product: Debt collection

Dispute of Debt and Request for Validation and Information Consumer Financial Protection Bureau ( CFPB ) XXXX Dear CFPB I am writing to formally dispute a debt of XXXX that is being collected by ( The Best Service COXXXX ) there contact information # XXXX they address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX . I am denying that I owe any debt to this company or the original creditor. 

Furthermore, I believe that [ THE BEST SERVICE CO/XXXX ] has violated several consumer protection laws in their attempts to collect this alleged debt. These violations include : * **12 CFR 1006.34 ( b ) ( 5 ) : ** The debt collector failed to properly inform me of my right to dispute the debt and request validation within the required timeframe. 
* **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** The debt collector 's validation notice did not contain all of the information required by law, including the amount of the debt, the name of the original creditor, and the date of the default. 
* **12 CFR 1006.34 ( d ) : ** The debt collector has continued to contact me about the debt after I have disputed it in writing. 
* **15 USC 1681-S2 ( 7 ) ( A ) : ** The debt collector has contacted me through electronic communication methods ( email, text message ) despite my request to cease such communication. 

In addition to disputing the debt, I hereby request the following information from [ THE BEST SERVICE COXXXX ]. 

* **Debt Validation : ** A detailed explanation of the debt, including the original creditor, the amount of the debt, and the date of default. 
* **Purchase Agreement : ** A copy of the agreement between [ THE BEST SERVICE COXXXX ] and the original creditor that demonstrates their legal right to collect the debt. 
* **Licensing and Bonding Proof : ** Documentation proving that [ THE BEST SERVICE CoXXXX ] is licensed and bonded to collect debts in my state. 

I am revoking all rights of [ THE BEST SERVICE CO/XXXX  ] to communicate with me through email, text messages, or calls. All future communication must be done in writing through the United States Postal Service. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, Please Contact me Call/Text # XXXX My email is XXXX XXXX