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

Subject : Complaint Regarding Unlawful Collection Practices and Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau, Transunion, XXXX, & XXXX I am writing to formally notify you of an unlawful debt collection practice that has resulted in the placement of a collection account reporting under two different names for XXXX and TransUnion : XXXX XXXX XXXX ( original creditorXXXX XXXX  ) Account # XXXX & XXXX XXXX XXXX Account XXXX XXXX on my credit report. XXXX XXXX XXXX is responsible for this erroneous entry, being they are not licensed to collect debts in the State of Florida, as verified through the NMLS Consumer Access database. The collection account they have furnished on my credit report is not only inaccurate but also violates several provisions of the Fair Credit Reporting Act ( FCRA ) and other laws related to debt collection. 

Here are the specific issues I would like to bring to your attention : 1.Unlicensed Debt Collection : The collection agency that placed this collection on my credit report does not have the proper licensing to collect debts in the State of Florida. I have verified this information through the XXXX XXXX XXXX website, and attached documents which shows that they are not registered to operate as a debt collector in Florida. This violation of licensing requirements is not only a breach of state laws but also raises serious questions about the legitimacy of their activities. 
2.Furnishing Inaccurate Information : The collection account that has been placed on my credit report is not mine. By furnishing this inaccurate information to the credit reporting agencies, the debt collector has violated the FCRA. The FCRA requires data furnishers to ensure the accuracy and completeness of the information they report. Given that this debt collector is not licensed to operate in Florida, their entire basis for reporting this debt is questionable. 
Impact on My Credit and Personal Finances : This erroneous collection account has had a significant negative impact on my credit score, affecting my ability to obtain credit, loans, or housing. The damage caused by this false information is severe, and I am seeking immediate corrective action and expeditious removal. 
3.Legal Ramifications : If this collection account is not removed expeditiously, I will explore all legal remedies available to me, including but not limited to filing a lawsuit for violations of the FCRA and state debt collection laws. The actions of this unlicensed debt collector are not only illegal but also damaging to my financial well-being. 
Given the gravity of these violations, I request that the CFPB, Transunion, XXXX, and XXXX investigate this matter and take appropriate enforcement action. Additionally, I demand that the collection account be removed from my credit report immediately. I would appreciate any guidance or assistance the CFPB can provide to ensure that this issue is resolved quickly and fairly. 

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

Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Regional Acceptance company violated consumer protection laws by exposing subprime consumer such as me to unnecessarily high levels of risk and knowingly placing me in a auto loan with a high probability of default. Regional Acceptance did not verify employment or verify it was actually me getting the loan. Regional acceptance requested no paperwork such as, bank statement, paystub, or anything to verify I could pay for this loan. Please bring a settlement upon regional acceptance I was a victim of subprime lending. Regional Acceptance has not sent me the original indebtedness in its original form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover bank {$750.00} XXXX XXXX account is settled and they agreed to remove it off of my credit report.-closed XXXX XXXX XXXX XXXX {$100.00} I closed this account because someone opened this account in my name and I paid it off and they agreed to have it removed-closed XXXX XXXX XXXX XXXXXXXX {$300.00} I dispute this charge and it came right back the account is settled -closed XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute accounts do not belong to me. Please remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX  % accuracy that each items is XXXX  % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$930.00}
Product: Money transfer, virtual currency, or money service

There has been several occasions when i have tried to file a complaint or submit a claim for scams or unauthorized transactions. Although i do not have specific dates i do remember specific situations. I have purchased clothing or items from particular websites or XX/XX/XXXX but found out it was a scam so i would go through cash app to get a refund and was NEVER able to get ahold of anyone. They always informed me to talk to the issuer. But I was never able to speak or get anyone on the phone.
Product: Debt collection

XXXX XXXX provided me with a letter stating that they found that my account was fraudulent and that I owed them no money. They then have this account listed on my credit report as a collection. I wrote Comenity bank and sent them a copy of the letter that they sent me, and this still shows as negative on my credit report. This company is in violation of the FCRA and FTC by reporting fraudulent information to the credit bureaus. Comentity reported that I owe {$1200.00} to all 3 credit bureaus after the letter was written and sent to me about the fraud that occurred in my name on this faulty XXXX XXXX department store account. This account as state din the letter was supposed to be deleted and removed from my credit report. This has affected my credit tremendously by my score dropping because this is the only account I have in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$830.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account.
Product: Mortgage

Over the course of 2018 my payment amount was changed 3 times. While trying to stay on top of these changes, my XXXX and XXXX automatic payments went out roughly {$50.00} short. I did not receive notice that this had happened until the XXXX payment was already reported 30 days late. At this point, the balance was paid, the account brought current, and the online banking payment amount made correct. In the time since I have attempted several times to communicate this with Ditech, but they have been uncooperative. They claim that correspondence was sent notifying me of the issue, but I never received it. In a similar fashion, they have been completely incompetent in sending correspondence in my attempt to resolve this. It wasn't until the XXXX payment was already reported late, that I received a phone call. Due to their inability to maintain any semblance of consistent payment amounts, and lack of communication in the event of the problem, I should not be held responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There 's a few credit inquiries that do n't recognize.. starting with the most recent one. 
On XX/XX/XXXX XXXX Creditor contact details : continental Fin co XXXX, DE XXXX XXXX Inquiry from XX/XX/XXXX Creditor contact details XXXX/XXXX XXXX, MD XXXX XXXX/XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX / XXXX, and Equifax are messing with my scores, and have erroneously reported a number of things, all affecting my scores, FICO, and otherwise. 

Plus, COVID-19 will likely force us to just give everyine a clean slate or a start over on our credit reports one day, in all fairness. Right?
Product: Credit reporting or other personal consumer reports

I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these XXXX actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the XXXX and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. 
XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX
Product: Credit card or prepaid card

I would like to file a dispute for Affirm ( XXXX ) XXXX. I have not received my refund back from Affirm after canceling out an order placed on XXXX XXXX. My order was canceled on XX/XX/2021. After contacting Affirm they indicated that XXXX XXXX have to refund the money to them. I contacted XXXX XXXX XXXX ( XXXX ) XXXX on Friday XX/XX/2021, spoke with XXXX a supervisor, she email Affirm to let them know they did not charge they just pre authorized the credit card and it then dropped off. She indicated that they did not charge the card until the item is shipped in which in my case my item was on back order. I called Affirm back, spoke XXXX whom indicated they did not receive any communication from XXXX XXXX. I provided to Affirm the cancellation notice I received from XXXX XXXX, however, they would not honor that information. I have called several different time requesting a refund and no one will help me. Can someone please assist me with this issue as I do not know what to do at this point. Thank you for your assistance in this matter! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Debt collection

Transworld System Inc. is reporting a medical collection in the amount of {$1800.00} opened XX/XX/XXXX and I have not had any medical bills for XXXX. I had a collection back in XX/XX/XXXX for a different amount. They do not report the date of last activity on either of these reports.
Product: Credit card or prepaid card

1 ) On XX/XX/XXXX I purchased a MasterCard Gift Card from XXXX issued by US Bank distributed and serviced by XXXX XXXX California , Inc. Card number : XXXX XXXX XXXX XXXX. 
2 ) On XX/XX/XXXX I activated the card and discovered that on XX/XX/XXXX there were 3 fraudulent charges, {$72.00}, {$47.00}, & {$56.00}, totaling {$170.00} all to a shoe store in Massachusetts. I immediately notified prepaidgiftbalance.com at XXXX. After an extended hold I spoke to a XXXX. He gave me a claim # XXXX. He directed me to send my contact info, proof of purchase, copies of the front and back of the gift card as well as my California drivers license by fax to : XXXX. 
I have copies of those documents and fax verifications. 
3 ) On XX/XX/XXXX I faxed a letter demanding action on the claim. 
4 ) Life got in the way and there was no follow up until XX/XX/XXXX. 
5 ) On XX/XX/XXXX I spoke to a XXXX who took my info and she said she would forward the info and call to the fraud unit. 
6 ) After 41 minutes on hold a XXXX asked for the card number, placed me on hold, and then was disconnected. 
7 ) I immediately called back and spoke to a XXXX. She needed to forward to the Fraud Team and she told me I would receive a call back within 24 hours. 
8 ) On XX/XX/XXXX having received no return call, I called and spoke to an XXXX at XXXX who stated that she was a senior fraud representative. She asked me to fax complete documentation including proof of faxes to XXXX, which I did. She told me to allow 90 days to investigate. 
9 ) XXXX! 
I have documentation for all of the above events. I have been stonewalled with their hope I would just go away... and it almost worked. I am fortunate that I am not in dire financial straits and desperately needed the money. I believe their tactics routinely take advantage of those less fortunate. 
As a side note, I did purchase another MC Gift Card that I hadn't activated. After identifying this problem I activated it and to my surprised it was drained down by {$190.00}. Since it was a different I will file a separate complaint. However, the tactics are very similar to this complaint
Product: Debt collection

Referring accounts with XXXX XXXX Stating account was opened XX/XX/year>. I am being called XXXX a day saying I owe a debt of {$420.00} for unreturned equipment. I stated that I have receipt of returned equipment they stated I still owe the debt. Ive also asked to verify debt and send letter to my home to verify and they have refused to do so.
Product: Credit card

I applied for a CITI XXXX XXXX XXXX XXXX XXXX Account. I received several mailers seeking me to apply. I also currently possess a CITI card and has excellent XXXX XXXX. 

Within hours after I applied on line I received a phone call from a number that I did not recognize, so I did not answer. The caller left a voice mail and identified as from CITI bank and purpose was to get information to validate my application. When I called the message said they are available on week days in certain times. When I called on Monday the system stated that my application was denied and I will receive a letter in mail. 

The phone numbers nor the letter has any directions or means to reach any one. The options on phone lines do not provide any information except my application is denied.
Product: Debt collection

I paid this account in full on XX/XX/year>. This account needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint and request your assistance regarding a debt that has been inaccurately reported by XXXX XXXX XXXX XXXX, account number XXXX, across all three major credit bureaus : Equifax, XXXX, and XXXX. 

On a prior occasion, I requested a contract assignment and validation of this debt from the credit collection agency ; however, despite more than 30 days having passed, I have not received any of the requested documentation. The failure to provide this information within the legally required timeframe is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, I have identified significant discrepancies in the way this repossession is being reported by the credit bureaus : 1. One credit bureau is displaying no payment history for this account.

2. The other two credit bureaus are inaccurately reporting multiple months of repossessions, when in reality, a repossession only takes place once.

This misrepresentation is not only damaging but also extends the statute of limitations, which is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The FCRA mandates that credit reporting agencies ensure the accuracy of the information they report.

Due to these inaccuracies and the failure to validate the debt, I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in having the incorrect repossession entries removed entirely from my credit reports.

I respectfully ask for your prompt attention to this matter. I am requesting that you ensure that the credit bureaus correct this misrepresentation and provide an updated and accurate copy of my credit report.

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On : XXXX XX/XX/2022 Wells Fargo doesn't want to give me back {$98.00} of a Overpayment of a Personal Loan, that I have with them, because my Checking Account that I have with them, is Overdrawn.
Product: Credit reporting or other personal consumer reports

To whom it may concern, it has come to my attention that there has been a data breach XX/XX/year> where my personal information has been compromised. This stems from the XXXX XXXX case XXXX XXXX v. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Not only is this a direct violation of the XXXX ( XXXX XXXX XXXX XXXX ). According to the FCRA 15 U.S.C. 1681 Congressional findings and statement of purpose all consumer reporting agencies are required to provide confidentiality, accuracy, relevancy, and proper utilization in a fair and equitable manner. My Consumer report has multiple inaccuracies including contact number, confidentiality, accuracy, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete ALTERNATIVE XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX   XXXX ( ORIG CREDITOR : XXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX   CREDITOR ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX )
Product: Money transfer, virtual currency, or money service

PayPal allowed XXXX to withdrew my funds which I did n't authorize. I never received item back and PayPal just took my money fraudulently.
Product: Mortgage

I recently had a issue which was resolved and everything was good for 3 months now it looks like it is going to happen again with citizens one mortgage where they charge me my taxes triple in one year they just charged a tax disbursement again ( 2 ) already this year dont know why or the reason
Product: Credit card or prepaid card

I have made a purchase at Best Buy for new computer, it was not working, I returned computer to a store and was issued credit, but that credit was never applied to my credit card. I have contacted Citi Bank numerous time, they issued the best buy card and was denied credit, despite I have a credit slip from store.
Product: Debt collection

I have charges from bank of America that was fraud and they do n't want to resolve it
Product: Credit reporting or other personal consumer reports

After reviewing my credit report again, I can still see the inaccurate late payment accounts that need reporting and correction through your company. The Bureau violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )
Product: Credit reporting or other personal consumer reports

Credit Bureaus XXXX to Comply with FCRA 605B Identity Theft Report.

I am filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which requires credit bureaus to block fraudulent information within XXXX business days of receiving a valid identity theft report. 

On XX/XX/year>, I submitted a valid identity theft report to TransUnion Through the CFPB web portal along with all required documentation, including XXXX of my identity. 
A copy of the police/FTC identity theft report. 
Identification of the fraudulent information in my credit file. 
My statement confirming the fraudulent information does not belong to me. 

Despite meeting all the legal requirements, TransUnion has failed to block the fraudulent information in my credit report or provide any response, which is a clear violation of federal law. 

Due to their XXXX, I have been unable to correct my credit report, which has caused XXXX, denial of credit, XXXX XXXX higher interest rates. This ongoing issue is negatively affecting my life, financial stability and peace of mind.
Product: Debt collection

On my XXXX account there was a collection agency notice coming from credit management LP. When I called this company they told me it was from XXXX 's for {$630.00}. I called XXXX 's and I do not owe this money and there is no debt except for an ongoing credit card that I'm paying which is on time.
Product: Payday loan, title loan, or personal loan

Borrowed XXXX, owe XXXX while making payments. Will not set up payment plan or stop outrageous interest.