23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to use myinformation toathirdparty for the following 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 Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on my credit reports the charge off dates and last activity dates are different with all 3 reports did not do an investigation to verify TransUnion last activity XXXX XXXX Experian. Last activity XX/XX/2017 XXXX. Last activity XX/XX/2017 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card as part of a promotion when I bought a timeshare from XXXX XXXX last May. I did not get approved for the credit card at that time but I was told that they will look into it. I received all timeshare documents and promotional materials from Wyndham (via USPS and e-mail) but not a credit card or a credit card bill from them. Last week I received an email from my credit monitor that I have a new negative remark on my credit. My credit report shows an account for XXXX XXXX XXXX with a balance of $XXXX. As of today I still have NEVER received a card or a single billing statement from XXXX. I honor all my credit obligations to the best of my ability. I am never delinquent and my very good credit score is a testament to that. However, without a statement or card number, how am I suppose to pay my bill? I made it clear when I applied for both timeshare and credit card that my mailing and billing address are the same. This is unfair and could be a violation of my rights under FCRA and FDCA.
Product: Credit reporting or other personal consumer reports

TRANSUNION SENT ANOTHER STALL TACTIC LETTER DATED XX/XX/2024 I reached out TO GET CLARIFICATION ON XX/XX/2024 to TRANSUION about this issue that has to be resolved, because of POOR COMPLIANCE PROCEDURE by TRANSUNION and the clerks that they hire to investigate the accuracy and the completeness of information being reported, as well as the POOR COMPLIANCE PROCEDURE involving express written consent documents that can not be available when demanded upon. This type of behavior is A major Violation of Fair Credit Reporting Act. TRANSUNION has to held accountable for such major mistakes that plague their procedures by not following FCRA Law as TRANSUNION has to abide by it. POOR COMPLIANCE PROCEDURE BY TRANSUNION INCLUDES LYING TO CONSUMERS LIKE ME, UNABLE TO PRODUCE WRITTEN EXPERSS DOCUMENTATION UPON DEMAND, 15 USC 1681e ( b ) they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

REPORTING ERRORS AS A RESULT OF NOT DOING A REAL INVESTIGATION WHEN DEMANDED BY 15 USC 1681b and 15 USC 1681i. TRANSUNION IS REQUIRED TO FOLLOW FEDERAL LAW WHETHER IT WANT TO OR NOT, IT IS THE LAW NOT SOME CORPORATE COMPANY POLICY IT IS THE LAW. TRANSUNION HAS BROKEN THE LAW. PLEASE CFPB MAKE SURE THAT TRANSUNION RESOLVES MY ISSUE PLEASE..
Product: Debt collection

LVNV Resurgent Is threatening legal review. 

Also I am requesting proof of their address to be able to collect in the state of alabama
Product: Credit card or prepaid card

I had an American Express Business Gold Card that according to the statements gave two options for payments. 1 ) Pay ENTIRE balance at the end of the statement or 2 ) PAY OVER TIME and incur an APR of 29.24 % with a minimum payment of {$35.00} per month. I began using my PAY OVER TIME option in the middle of 2019. I never paid less than {$100.00} many times more than this. Shortly after doing this, I started to receive collection calls and I explained to them I could NOT afford to pay the entire balance and therefore was using the PAY OVER TIME option on my account and it was clearly written on the statement ( so I thought ) that IF I did NOT pay the entire balance at the end of the statement I would incur interest as had I paid the entire balance at the end of the billing cycle I would NOT incur interest. The collection call was never clear as all the calls are outsourced. I then started receiving collection third party calls and they forced me into a payment arrangement of which I accepted in the amount of {$140.00} per month of which is automatically drafted every single month for over 6 months now. I receive a statement from AMEX monthly showing that the payment is being charged and all I needed to pay was {$35.00} min payment, yet was forced to pay the {$140.00} monthly. In addition to this mandatory payment they are charging interest of 29.24 % on top of the {$140.00} monthly and the interest they are reporting they are reporting this as a CHARGE OFF every single month and it is ruining my credit and I have tried to dispute this with them through the credit bureaus and they have made this worse! It is incredibly misleading. Please help. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX ) and do not have a contract with the original creditor ( XXXX XXXX XXXX XXXX  ) they are violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. An this information is not accurate also. Any Medical debt under XXXX XXXX Should be removed according to the new law that was passed so this account is inaccurate an is also going against the new law that was passed
Product: Debt collection

I keep receiving notices from Transworld Systems that I owe XXXX XXXX {$45.00}. I have called and sent payments, but they keep billing me. I think I 've paid bills I did n't actually owe just to get them to stop. Each one is about 2 months apart. I have n't even been to XXXX since XXXX 2016! My bank shows {$45.00} sent to XXXX XXXX on XXXX XXXX, 2016. Today I got another bill for another {$45.00} from Transworld. This has shown up on my credit report. Every bill has a different account number and frequently a different mail-to address. I want this stopped. XXXX XXXX is a good company, but their billing practices are not. I do n't get bills from them. I just get late notices. And they do n't answer their own information lines. Neither does Transworld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this XXXX XXXXXXXX XXXX XXXX for weeks. I have told them that this is not my account. I have asked for verified documents with my wet signature and they have refused to provide it. They are showing this account on my credit report under this name reporting a balance every month for another original creditor which is a VIOLATION and against the LAW! 

1.Not indicating when the account has been sold 2.Not reflecting a {$0.00} after transferred/sold ( double jeopardy ) 3.Reporting inconsistent balances across the credit bureaus 4.Date of delinquency illegally being changed I am within my rights to sue them and that is what I will be doing. They are also blocking people from disputing online when they fail to provide the documents consumers ask for. My attorney is going to have fun with this case!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : US DEPT ED # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am filing this complaint because XXXX XXXX XXXX  ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Debt collection

Complaint against : Our mailing address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Email : XXXX I was on month to month, new owner took over fraudulently forged a new contract, which I did not know until I demanded a copy otherwise I was sueing, When I got it on XX/XX/XXXX she renewed it till XXXX. I NEVER agreed to renew with her. I went there multiple times in person owner only comes in between 12- 5, when normal people work. She is the only one who can give me " official '' cancelation form. the girl at the desk new and said owner blocked her from printing but I could take a photo. I reached out on XX/XX/XXXX again in person because I had bought a bottle of water she kept my XXXX on file I NEVER AGREED TO and charged it again. I hand wrote one on XX/XX/XXXX Sent text emails she is trying to charge me monthly. I have not been to gym in months, and still getting payment emails and phone calls.
Product: Credit reporting or other personal consumer reports

upon reviewing my credit report, I noticed some inquiries that I did not make, I called the bureau and told them about this, and they said it was a statement of fact and that they had nothing to do with it. the inquiries I have are shown below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make these inquires, they need to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently switched the title/ownership to a vehicle I had and repossessed it back in XX/XX/2017. The DMV investigated and prosecuted this person, I never got the car back although DMV was aware that fraud was committed and I had nothing to do with it. This vehicle is being reported on my credit as a charge off with numerous late payments however I have provided the furnisher as well as All 3 credit bureaus with over 10 certified documents from the DMV showing the day the title was transferred, who actually did it, the new title to the car once it was done and an investigation report. I mailed these documents in and Ive spoken with several representatives over the phone. The furnisher is still not removing this account from my credit report nor are the credit bureaus when it was clearly fraudulently taken from me and was not a charge off, ally financial has been aware of this incident since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Theres several disputes I made on my credit report requesting to remove items that does not belong to me. Or has been sold to a second and third party. These items were never remove.
Product: Credit reporting or other personal consumer reports

I have lost my wallet that included my personal information in there such as my government ID and also my social security car. The negative accounts I have noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C. 1692C, they have unlawfully communicated with me in violation of my rights. 
And I never gave them consent to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that the account would be fully removed from credit upon payment. It has been XXXX weeks and the account is still reporting. Please remove the Coll bureau collection from the credit as it a fully paid medical collection and should be removed. Please see confirmation of payment attached. The account was settled for {$1000.00} and paid
Product: Credit reporting or other personal consumer reports

Jefferson Capital System has placed a collection amount for {$730.00} on my credit. Ive disputed it but each time it shows up again. I dont have an account with XXXX XXXX Any phone that Ive has not been on a contract. Someone else may have used my name or identity.
Product: Bank account or service

Today is the sixth time I have tried to access my safety deposit box at this US Bank location ( XXXX XXXX XXXX, XXXX XXXX IL XXXX ). I have been successful in accessing my box XXXX attempts. The staff states they are unable to access the vault, ( that was the reason today why I was not allowed to access my box ) but other employees of the bank have stated that is not true and the vault was working. 
Also, the one time I successfully ( XXXX XXXX, 2016 ) accessed my deposit box the employee stated, " let 's not fill out the paperwork if you 're going to be quick '' and did not check my ID or fill out the required form to access my box. I believe there is possible fraud happening at this bank and employees may be accessing safety deposit boxes without consent or knowledge of box owners. I am attempting to empty my safety deposit box at this time but am not being allowed access to it.
Product: Credit card

In XXXX XXXX, I had my identity stolen and a number of accounts were opened in my name. I realized this when XXXX applications called me asking if I had applied for a credit card account. All of the accounts that were opened, were new accounts. I filed a police report on XXXX/XXXX/XXXX to make sure I protect myself and to open an investigation into the identity theft. In XXXX XXXX, I realized there were also purchases on my in-store Macy 's account. My credit card had not been stolen, and was still in my possession. The receipt image shown on my Macy 's account stated that my account information was looked up at point of sale with a Driver 's license XXXX CA. Unfortunately, this is not my Driver 's license number. I opened a claim through Macy 's fraud investigation in XXXX XXXX and submitted a statement of fraud, the filed police report, and a picture of my driver 's license. Macy 's fraud finally provided a decision XXXX XXXX stating they denied my claim and will not reverse the fraudulent charges on my account. I 've done everything they 've asked and provided substantial proof, however, still can not get this issue resolved. All the other accounts opened in my name were immediately closed out by the other companies, XXXX, XXXX, XXXX 's XXXX, and XXXX XXXX. Macy 's, the only one I actually hold an account with, is the one that has been the hardest to dispute. I also noticed on consumer affairs that I am not the only one having an issue resolving fraud on my account. There are various complaints about the company and I found many fraud complaints that are similar to my situation. XXXX
Product: Money transfer, virtual currency, or money service

I was a Victim of a ponzie scheme due to an initial XXXX dollar investment into XXXX XXXX XXXX. XXXX months down the road the SEC deems it a ponzie and shuts it down. That same day chase allowed a one time chase to chase transaction from my account to XXXX XXXX chase account for {$18000.00}. When I caught wind of the situation chase told me that due to the initial XXXX my claim was automatically declined. So XXXX with chase executive then took over and tried a reversal of the transaction which didnt work because due to their automatic denial time had gone by and the bank account was now frozen and under the court appointed lawyers control so they werent going to allow chase to reverse my transaction. Now my issue is how the lawyers deemed my XXXX not under a ponzie scheme because it was theft and there was no contract binding it. However chase should not have allowed this transaction to occur regardless due to the SEC putting the company AND BANKS on notice. My transaction SHOULDNT Have occurred and since its under the control of a receivership chase is trying to deny responsibility which leaves the XXXX in thin air because theres no ponzie contract with it. Please hold chase accountable for allowing a transaction to occur when it should not have been due to SEC freezing the assets. Please have them insur the transaction so I can get my funds back, its been XXXX months in the making of the investigations. Thank you. 

P.S prompt asked me if I was sender. This is to clarify I didnt approve this transaction ever. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i submitted complaint with the CFPB regarding inaccurate information on my credit report, all 3 bureaus investigated and results were deemed verified and accurate information, I'm including a XXXX ( before ) and an XXXX ( After ) credit report that clearly shows that all companies are still reporting inaccurately on my credit report which is causing major damages to my credit score. Ranging from : 1. Different account names 2. Status 3. Opened Date 4. High Balance 5. Balance 6. Count of late payments 7. Date reported 8. Amount past due 9. Condition 10. Creditor contact
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we filed a CFPB complaint against all ( 3 ) credit bureaus XXXX, XXXX, and Experian as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX " We filed a federal lawsuit against ( 5 ) major banks on XX/XX/XXXX regarding our mortgage for mortgage fraud which are XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Mortgage which later was revised to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, vs XXXX  XXXX XXXX XXXX XXXX, et al., Defendants ~ Case No. # XXXX XXXX filed on XX/XX/XXXX IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF TEXAS XXXX   DIVISION ~ Judge XXXX XXXX XXXX On that very same day XX/XX/XXXX I requested a flag to be put on both our credit reports for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in which I precisely gave XXXX, Experian, and XXXX   the Federal Case Number # XXXX XXXX to freeze and stop any derogatory credit reporting until our case would be settled in court. We won our suit and it closed on XX/XX/XXXX. However, all ( 3 ) credit bureaus allowed ( 8 ) credit accounts to be closed on my wife XXXX XXXX XXXX and ( 6 ) credit cards for XXXX XXXX XXXX which negatively impacted our credit scores with high interest rates and impossible to get loans much needed for many years. They did all of this damage to us while we had not settled in federal court yet and the flag should NEVER have been lifted while pending matters were in federal court allowing XXXX to report that we were up to 18 months and greater that we were behind on our mortgage payments while we were in a federal court fighting for our rights by law. This was negligence on behalf of all ( 3 ) credit bureaus to have allowed such damages to occur. '' " The response from all ( 3 ) credit bureaus was identical that they couldn't find XXXX on our credit report. XXXX had been removed after Judge XXXX XXXX ordered them to take off the derogatory credit and correct it and it took months before they finished taking it off so by this time we had been affected greatly and we're still struggling to repair our credit. We would like a response when all ( 3 ) credit bureaus will make restitution and repair our credit immediately. "
Product: Credit reporting or other personal consumer reports

Please initiate the process to block and delete the fraudulent accounts identified as XXXX XXXX from my consumer report in accordance with 15 US Code 1681c-2. These accounts were opened as a result of identity theft, and I did not authorize or engage in any transactions associated with them. I assert that my request is made in good faith, free of any error or material misrepresentation. The resolution I am seeking is the complete removal of these items from my credit history and an updated credit report reflecting these changes sent to me at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have call XXXX XXXX they provided with a letter that they deleted the chapter XXXX from t their data base XXXX got it from them no I show them proof an they dont want to deleted they say I have to go to court an get a letter how can they report something that got deleted an is not verify please thats illegal make them deleted it right away they putting excise I have done this already an they dont care they just reply to you guys with lies