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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX {$110.00} XX/XX/XXXX XXXX  XXXX {$2800.00} XX/XX/XXXX XXXX XXXX  XXXX {$490.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX {$2800.00} XX/XX/XXXX XXXX  XXXX {$2800.00} XX/XX/XXXX XXXX  XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2018 I submitted to company for validation not verification of debt according to the Fair Debt Collection Practices Act. They have reported negatively to all three credit agencies.I asked them to provide me with their license number, agent of service and that they are licensed to collect in my state. I also asked for a copy of any signed agreement that I have made with this Collection Agency or other verifiable proof that I have a contractual obligation to pay Collection Agency according to the FDCPA.

They did not provide me this information, but instead sent a bill that is not even in my name. I paid the final bill and turned in the equipment, I lived in an apartment complex at the time I had service, which means that they have multiple accounts in one given unit. 
I left the residence and XXXX turned on service under the other 's name without properly closing out the account under my name. 
I am going through divorce issues, but that is no reason this is something this collection agency is going after me instead of the name on the account.
Product: Debt collection

I was contacted by keynote consulting a Collection Agency regarding a medical bill from XXXX XXXX. I was in collections for this unpaid from XX/XX/XXXX which I was not aware of. I requested Keynote Consulting provide additional documentation to validate the account in collections. They did provide the information regarding the medical visit and it appeared to be legitimate. After discussing the payment options with the agent XXXX XXXX. It was agreed that we would pay the {$400.00} balance in 3 payments. While discussing my options with XXXX it was made clear to me that bye clearing the bill up under the agreement, there would be nothing reported or that would affect my credit with the Credit Reporting Agencies. I did provide Keynote Consulting credit card info to charge off my account and they did as agreed monthly. 
On XXXX XXXX, I was alerted by the Credit Bureaus that Keynote Consulting had reported me as delinquent to all the Reporting agencies XXXX, XXXX, and XXXX. 
I contacted Keynote Consulting and spoke with XXXX XXXX the original contact. 
He first refused to allow me to record the conversation for my clarification purposes. 
I inquired as to why they would report this to the credit agencies as we had entered into the agreement to pay off the balance. I made it clear when we had discussed the bill that under no circumstance will I allow this to be reported, and I will make any arrangements Keynote Consulting allows, in order for that not to happen. 
XXXX XXXX, kept explaining to me that the Burden of Proof of our conversation ( which was recorded ) is on myself. He also explained what a degenerate I am for not paying a bill for XX/XX/XXXX. 
Finally he told me straight up that they will not rectify the damages caused by them and to take it up with the Credit reporting Agencies. 
These acts taken by Keynote Consulting are a violation of the ethical codes set up to Govern Collection Agencies, and has been detrimental to my entire families ' survival and livelihood. It is urgent that the Attorney General gets involved and makes sure other individuals are not taken advantage, misled, lied to, disrespected, and put into a compromising situation from harassment. 
I do have a record of all calls, and detail of the entire transaction history with Keynote Consulting. 
I have provided the information to private legal counsel as well to assist with recommended actions.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX Consumer Complaints American Coradius International LLC Consumer Financial Protection Bureau XXXX Headquarters XXXX via website XXXX XXXX XXXX XXXX. XXXX XXXX NY XXXX XXXX XXXX, CA XXXX XXXX : XXXX/XXXX/XXXX statement from American Coradius International LLC I received the attached creditor demand dated XXXX/XXXX/XXXX just after the XX/XX/2017. I was surprised as this was the first time I became aware of an outstanding matter with XXXX. I have not used XXXX in years, and when I joined my use was infrequent. I do not even know my log in credentials. If I owe money for some reason I would appreciate the details. To have revert to a collection agency was unfair and slanderous tactics. 

Kindly provide detail for this matter so we all can arrive at proper satisfaction. 



XXXX XXXX
Product: Credit reporting or other personal consumer reports

To my shock, I noticed unauthorized inquiries on my credit report tonight, and I have no idea why they appeared. I routinely check my report, but this time, unexpected discrepancies emerged. I tried refreshing my browser to see if it was a glitch, but the unauthorized inquiries remained. Please ensure that the documents I've sent are thoroughly reviewed so that I don't have to worry about this issue anymore.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw inaccurate accounts listed on my credit report this morning. Ive checked my report many times before, and everything has always been fineuntil now. I even tried refreshing the browser, hoping it was a mistake or glitch, but the errors didnt go away. I need the documents I provided to be carefully examined to prevent this situation from happening in the future.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> NCB MANAGEMENT SERVICE XXXX XXXX XXXX, XXXX Re : XXXX To Whom It May Concern/Letter to Receiver, I am writing to formally request the immediate deletion of the above-referenced account from my credit report. This request is made based on the following grounds : Violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) Regulations 1. Lack of Validation : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has failed to provide the necessary validation information for this account. Despite this, a collection has been placed on my consumer report without proper validation.

2. Right to Dispute : I have not been given the opportunity to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ). This is a clear violation of my consumer rights, as I have not received the appropriate notice or opportunity to challenge the validity of this debt.

3. Misrepresentation and Deceptive Practices : The collection agency is in violation of my consumer rights by using false, misleading, and deceptive means in its collection practices. Such actions are in direct contravention of federal regulations designed to protect consumers.

4. Furnishing Information to Consumer Reporting Agencies : The collection agency has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures as stipulated by law. This is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ).

IRS Grounds for Deletion Based on 1099-C The account in question is listed as " Charge Off. '' According to IRS guidelines, a creditor that issues a 1099-C form is declaring that the debt has been canceled and reported as income. Consequently, the debt can not be simultaneously reported as both income and an outstanding debt. This contradictory reporting is impermissible, as the account status of " Charge Off '' indicates that the debt has been written off and should no longer be reported as owed. Additionally : - A debt buyer can not claim a debt is owed without a valid contract with the consumer and without the consumer 's knowledge of said claim or fee or fees stated.

- The IRS 1099-C form indicates the cancellation of debt, which negates any further claims of the debt being owed.

Given these substantial legal grounds, I demand the immediate removal of this account from my credit report. Failure to comply with this request may result in further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing remedies under the Fair Credit Reporting Act ( FCRA ). 

Please confirm in writing that this account has been deleted from my credit report within 30 days of receipt of this letter. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX This letter addresses the specific violations of the FCRA and CFPB regulations, as well as the IRS grounds related to the 1099-C form.
Product: Credit reporting or other personal consumer reports

Formal Complaint Against XXXX, XXXX, Equifax, and the CFPB Subject : Ongoing Failure to Investigate Disputes and Enforce FCRA Compliance Escalated to Florida Attorney General and Media Complaint : I am filing this formal complaint against XXXX, XXXX, Equifax, and the Consumer Financial Protection Bureau ( CFPB ) for their continued failure to properly investigate and correct inaccurate late payments reported on my credit reports for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For over two years, I have submitted numerous disputes to all three credit bureaus and provided substantial documentation proving that these 10+ late payments are inaccurate. Despite my repeated efforts, the credit bureaus have failed to properly investigate or correct these errors, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Additionally, I have filed multiple complaints with the CFPB and sent certified letters directly to the CFPB CEO, yet no meaningful action has been taken to enforce compliance with federal law. The ongoing CFPB lawsuit against XXXX further confirms that credit bureaus are not being held accountable for failing to conduct proper dispute investigations.

Due to the continued inaction and failure to protect my rights, I have already sent a certified letter to the Florida Attorney Generals Office and have contacted media outlets in Florida to bring attention to this situation. The mishandling of this matter by the credit bureaus and the CFPB demonstrates a clear failure to enforce the consumer protection laws that are meant to safeguard citizens in the state of Florida.

These actions violate the following provisions of the FCRA : 1. 15 USC 1681e ( b ) : Failure to ensure the maximum possible accuracy of the information reported.

2. 15 USC 1681i ( a ) : Failure to conduct a reasonable and timely reinvestigation of disputed information.

3. 15 USC 1681c ( a ) : Continued reporting of inaccurate and unverifiable information.

The late payments reported are also inconsistent across the three bureaus. XXXX reports fewer late payments than XXXX and Equifax, further proving that none of the bureaus have conducted proper investigations.
Product: Money transfer, virtual currency, or money service

Wells Fargo California Forgery Fraud Identity Theft Money Laundering Mortgage Fraud My mother left me an inheritance with Wells Fargo when I tried to inquire about the inheritance they had me arrested they have used my personal information for personal gains and lefte wide open for malicious attacks. 
I have already filled a civil suit Out of the XX/XX/XXXXXXXXXX/XX/XXXXTX XXXX XX/XX/XXXX Civil Action Number XXXX
Product: Credit reporting or other personal consumer reports

I instituted a fraud alert via Experian in XX/XX/2023. It seems it was never put in place. I spoke with XXXX today and they said I dont have an account. Which would mean I dont have an account with the credit bureaus.
Product: Debt collection

RAS laVrar , LLC responded to my previous CFPB complaint # XXXX however the response was not adequate to what I requested in the last response. RAS Lavrar , LLC indicated that they were updating their files to cease all communications with me, in which I never requested, however I requested for RAS LaVrar , LLC to not come out to my home address and they avoided giving me a response to that request. Also RAS LaVrar , LLC indicated that lawsuit was filed against me, in which I was already made aware of that matter, however I requested for the lawsuit to be dropped against me and I never got a detailed response to that request.
Product: Debt collection

I had XXXXl work done by a local dentist by XXXX XXXX  XXXX in XXXX California. The XXXX name is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX phone XXXX. He prepared a XXXX for my XXXX XXXX. At the time It wasn't prepared correctly and I got an XXXX and the XXXX did not fit properly. He said it could be fixed. But never made an attempt to do so. The total charge was {$2600.00} and was financed by Care Credit/Synchrony Bank. This was XX/XX/2017. I continued to have trouble with the XXXX that didn't fit properly or look like the rest of my XXXX. I became ill and my husband made payments. The balance owed is {$1200.00}. A Couple of months ago the XXXX  fell out. I went back to the same dentist. He ground down the one XXXX  in the 3 XXXX XXXX   leaving a hole in the back and food gets stuck in that area and I have had various infections. I received a notification from Care Credit that they were going to charge {$960.00} for deferred interest on top of the balance 26.99 %. I called them and told them about the terrible work this dentist did and they said they would open up an investigation & would not charge the interest until the investigation was over. However I just received a bill with the amount due and interest. They asked me what I was disputing and I said the whole amount as this has been going on with no resolution. This is the complete information from the credit Co. Synchrony Bank XXXX XXXX XXXX XXXX , Fla XXXX Account # XXXX XXXX XXXX XXXX phone XXXX
Product: Credit card

I have an Apple Card ( Goldman Sachs ) and on XX/XX/24 I was charged {$420.00} from " XXXX XXXX XXXX XXXX '' ( of which I am not a customer ). The transaction was associated with a card number which is unique to Apple 's digital wallet service, Apple Pay - meaning it was supposedly completed using Apple Pay, which requires an authorized device and Face ID / Apple ID login to complete a transaction. I disputed this charge as I was not using my device at the time of the purchase nor was the purchase made with any of my authorized devices, and I do not and have not received any services or products from XXXX XXXX XXXX XXXX in the past, at the time of the transaction, or since the transaction. I disputed the claim, which was rejected after a month and I was held liable for the charge which I did not approve or initiate. It was supposed ( presumably ) that it is not possible to commit card fraud using Apple Pay, but this experience would prove otherwise. I was furthermore unable to resolve this was XXXX XXXX XXXX XXXX as Apple does not provide a full card number for Apple Pay purchases, only a unique final four digits, so I could not provide payment information to the service provider to cancel or flag the service. Apple evidently has a security flaw but is convinced it has none ; thus denying me credit card protections, holding me liable for theft in my name, enabling theft to be carried out successfully and without consequence, and leaving me without recourse to prevent this in the future.
Product: Money transfer, virtual currency, or money service

Coinbase.com XXXX XXXX Sent - {$1300.00} TO : XXXX Price {$3900.00} XXXX XXXX XXXX fee ~ {$2.00} Transaction XXXX  XXXX ... XXXX Date XXXX XXXX  XX/XX/year> XXXX  : XXXX I sent XXXX XXXX a XXXX to address XXXX it was never received. So i contacted Coinbase and found they used deceptive misleading transfer practices. The token was cbeth and was supposed to be XXXX. Those two letters added caused the funds to go to a wallet still tied to Coinbase called Coinbase XXXX. They refused to be transparent of who the owner of the wallet is. They have to know where it went because i only gave them a address i have full control over. Wherever they sent it to i have no information on it other then whats listed on XXXX  and it clearly says coinbase10.After further research that means coinbase still has the funds and lying about it. I tried to contact XXXX.io also and they also refused to help me get the funds back. One of these company 's just stole that money using very confusing banking methods. The funds came from me as a trucker and sales job. If i need to take this to small claims court i will. I'm hoping cfpb can save me the trouble of going to court. Although if i make a claim for damages i would think i would be awarded more than i lost for time a trouble this has put me through.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT CONTAINS THE CORRECT ATTACHMENTS. I sent an email directly to the CEO of XXXX. Received a letter in the mail stating that he will not remove the late payment history/incorrect payments reporting to the credit bureaus. I have disputed the account with the credit bureaus several times regarding this inaccuracy and the results stated that the data furnisher verified that the information is reporting correctly. This issue has carried on for almost a year. XXXX along with the credit bureaus state that they will not correct the information reporting on the account. The account is closed, paid, and still has a {$0.00} credit. I have attached a copy of my credit reports from Experian and XXXX showing how the pay history is STILL showing an active pay history from one credit bureau while the other bureau is showing a charge off pay history of XXXX each month. This continues to affect my credit over the past year and should be removed by the data furnisher for continuously reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Last XX/XX/XXXX, I called and contacted both of the following companies. I was in the process of trying to fix up my credit. I called two companies in reference here : ( XXXX XXXX ( that has issues with different optional payment plans, making it hard to contact and make payments ) also ( now called here as : XXXX XXXX or XXXX ). Then Chrysler Capital, to negotiate a payment ( voluntary turned a XXXX car we purchased early, knowing we would eat a large amount because the car was worth XXXX less than what we paid for it!! ) just after 8 months making hefty payments, of XXXX more than we were told from dealership. Didn't even get a bill, for three months after we purchased the car. ( that's another complaint about this dealership ) and very low miles when turned back into chrysler dealership. This automobile we purchased from a crooked dealership, in Georgia ). Now we planned to bring both accounts current and to reflect they were paid off as agreed and the negative ratings removed from my credit reports.. I did my part, as we agreed upon, for both accounts. Now both companies were to provide me with an agreement letter showing the accounts were paid as agreed and ( unfortunately ) This didn't happen ( as agreed ) after making several phone calls month after month and disputing my credit reports. This very much has affected my credit score by more than 50 points, and I need to correct the errors with your help. I have proof of the payments were made and letters finally from Chrysler Capital showing paid as agreed, but with the wrong date of XX/XX/XXXX not XX/XX/XXXX. Many months earlier than stated on my letter and still on my credit reports with all three agencies. XXXX XXXX had a collection department handel the charge off and we paid as agreed with again proof and letter from the collection division XXXX XXXX ( XXXX, they have many names they go by ). Please help me get this corrected and share with me how to prove both were paid as agreed and when they asked me to pay not 6 months later as Chrysler is stating in the letter from a non disclosed name by email of all places and this was even hard to locate in my emails, did not come up as Chrysler, it was from other source. This isn't fair to me paying higher interest rates because companies are not updating my end after they get their money from me.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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: Vehicle loan or lease

XXXX XXXX has continued to harass me illegally after I had written and called XXXX XXXX several times explaining I had lost my job. I fell ONE month behind on excess milage charges NOT THE CAR LEASE PAYMENT after losing my job. XXXX XXXX called me numerous times to harass me about being a few weeks late. She is a psychotic, toxic person. I have all of XXXX XXXX’s voicemails saved for my attorney.XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMind you, before and during these calls I had notified XXXX XXXX in writing and via phone call of what was going on.Also, it is illegal for a creditor for call you before XXXX.
Product: Credit reporting or other personal consumer reports

I have tried to resolve this matter with the following companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and all XXXX credit bureau. Some for a few years now and these accounts have not been removed. 

So as of XXXX XXXX XXXX this is my CEASE AND DESIST NOTICE TO ALL THE CREDITORS and XXXX, XXXX, AND EXPERIAN THAT I REFUSE TO PAY THIS DEBT, UNDER 15 USC 1692C.
Product: Mortgage

Someone with a similar name has a mortgage on my credit report. I am trying to have it removed.