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

This is a complaint against CREDCO, the reason for these complaints is that several requests for credit appear without my authorization and without my permission, I requested via certified mail the elimination of these inquiries and you. You have not made any change in my credit report with XXXX. Because you have not done anything about it I request that the following inquiry be removed immediately from my credit report with XXXX. 1 ) CREDCO, DATE : XXXX2020 ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act. This is illegal and highly injurious to my credit rating. Unless you immediately contact the credit bureau and remove this inquiry from my report, I will have no choice but to take legal action. Please govern yourself accordingly.
Product: Credit card

My recent statement cycled from TD bank US and it is not reflecting the recent Federal Reserve interest rate decrease as I have seen the change from other credit card issuers
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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

On XX/XX/2022, I sent XXXX, Equifax and XXXX a copy of my credit report that I obtained from them stating that they are reporting unaccurate information on my consumer report, however it keeps coming back VERIFIED, how is this possible when everyone is reporting this item completely different? FCRA states all items MUST be reported 100 % accurate. I provided evidential documents to show the inaccuracy of the account, however they still choose to ignor the documented FACTS that I received from them. XXXX, Equifax and XXXX need to be held accoutable for their NEGLIGENT FCRA REPORTING. Every date of last activity is reporting years apart, balance ECT...
Product: Credit reporting, credit repair services, or other personal consumer reports

under federal law 15 U.S.C 1681 section 602 A I have the right to privacy 15 U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish info on my accounts without my written instructions. 

XXXX XXXX transunion All 3 of these reporting agencies have posted on there sites about a XXXX credit card that I have not given written permission to do so and are violating my federal right to privacy and I would like that report removed.
Product: Credit reporting or other personal consumer reports

LVNV Funding aka Resurgent aka XXXX XXXX XXXX XXXX XXXX. has been asked countless times that, XXXX XXXX XXXX, signed a contract to payback debts and have recieved no such documents. Now they have sent a law firm, as a scare tactic, to get the debt paid. This is harrassment, first and foremost, worse yet, it's on a disable person. Secondly, they don't have the right last name, my last name is XXXX, not XXXX and I can show the proof, unlike them. I have disputed these debts a number of times with XXXX and lost. Now I have gotten two hassment letters from XXXX XXXX XXXX XXXX XXXX. dated XX/XX/XXXX. I had gotten letters last month from another law firm to scare me, I am tired of the harrassment. It's time for you guys to deal with them.
Product: Debt collection

Commercial acceptance {$1000.00} I never received a written communication on this debt. I was not made aware of this collection until I pulled my report. I had insurance to cover the use of the ambulance
Product: Debt collection

I've been working to resolve this issue for more than a year. I received an alert that a collection was added to my credit file by Receiveables Management. The account in question was previously paid by the insurance company and reversed one full year later. The original creditor never notified me that the payment was reversed. Receivables Management improperly collected and reported to the credit bureau without providing adequate time for me to review and dispute the debt under FCRA. I have always had health insurance and there is no reason for a medical visit to go to collection. It is unfair that I am being penalized by the negligence of the original creditor.
Product: Credit card or prepaid card

I have transferred balances under a 0 % interest offer ( I have multiple due dates for these transfers ) with Barclay Card. I consistently pay far more than the monthly payment requested. These payments are always applied to the transfer that has the soonest due date under the 0 % interest rate. I had a balance that was due on XX/XX/2018 of {$530.00}. I submitted a payment of {$700.00} on XX/XX/2018 and a payment of {$250.00} on XX/XX/2018. When I reviewed my statement released on XX/XX/2018 it showed they applied those payments to amounts not due until XX/XX/2018 leaving a balance on the amount due for XX/XX/2018 of {$160.00} that will incure an extremely high interest charge. This has not been occuring with other payments in the past year which implies it was purposefully applied this way to create an interest due on this amount. I am contesting the legality of this since the response from Barclay Card is a consistent 'any amount paid above the minimum payment each month must be applied to your highest Annual Percentage Rate ( APR ) first, until each APR balance is paid. It does not specify that it must be applied to the APR balance that is expiring first. Therefore, any amount paid above the minimum payment may be  applied to either balance if they are at the same rate. ' Since all balances have the exact same interest rate and the precedent for ALL of the previous payments that were over the minimum payment were applied to the balance due first this statement was not applied until this balance due date. This is not an ethical or fair distribution of the amounts paid to this card for this promotion.
Product: Mortgage

Shell point mortgage has sent me a new set of loan papers for a loan modification that was completed in XX/XX/2022. They have also sent me a notice that I am in default on my loan. I have made all payments on time. I have left messages and sent emails since XX/XX/2022 when I received a set of loan modification papers by XXXX. I just simply want to know what is going on and how can they fix this. We. Are in our XXXX and this has been very upsetting that they will not call or email us.
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION, AND XXXX ARE REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORTS PLEASE INVESTIGATE ALL FRAUDULENT ITEMS
Product: Vehicle loan or lease

On XX/XX/2020 I made a payment in excess of what I owed on my vehicle loan. The payment was for {$620.00}. For whatever reason, the payment was not applied to my account, I contacted the company immediately, but they have a procrastinated, terrible, and antiquated way of communicating. 

On XX/XX/XXXX, I spoke to one of their CAT agents, who was supposed to resolve the billing issue, ensure no back interest, late charges, etc. 
I was advised it would be resolved within 24-48 hours. It never was. 

Ive been communicating to Hyundai via their XXXX attempting to engage someone in their executive leadership team, because this practice is violating federal and state laws governing Fair Debt Collection practices. And this is an egregious example of such, I had to instruct the collections Dept. of this company to suppress credit reporting, or Ill initiate an immediate lawsuit for violating the above rights I hold as a consumer, and for violating my vehicle contract. 

I have since made multiple efforts, multiple emails, multiple calls, and multiple messages to their corporate twitter. 

In all instances the matter continues, is exacerbated by them telling me Im delinquent or routing me to their internal collections team, then telling me their trying to collect upon a debt I do NOT owe them. 

This is not only illegal, its despicable. 
The company agent advised me that their was an internal billing system change/update, which caused this problem not just for myself but for countless customers. 

Hyundai took NO action to notify customers affected, nor did they attempt to inform customers that they would take proactive actions to mitigate inappropriate, and or unlawful collection calls or attempts, especially for debts that are not in a collectible state. 

As of today XX/XX/2020, their rude customer service agents still have not resolved this issue. 

I will NOT be making any payments to my account, until this issue is resolved, and if Im charged late fees, or added interest beyond my normal due date, that will not be remitted to this company. 

Ive been speaking to your agents whom are paid by your consumers, such as myself, and this issue is unacceptable, likely illegal, and will not be tolerated by this consumer any longer.
Product: Debt collection

This complaint is a continuance of the complaint I filed with CFPB on XX/XX/XXXX, # XXXX. Company 's ( Caine & Weiner ) response of XX/XX/XXXX, stated that they would give me a chance to work with the XXXX ( XXXX ) to reach an amicable resolution with respect to the balance of the account, and closed the status as " Closed with explanation. '' As stated in my XX/XX/XXXX complaint that XXXX never gets back to me with an accounting, documentation or support of the debt. I have requested information/documentation and validity numerous times. I have made attempts to get accurate information from XXXX and Caine & Weiner from XX/XX/XXXX until XX/XX/XXXX. The amount owed continues to change and I feel that I have cooperated and have gotten no accurate information or validation of the debt. My detail of the CFPB complaint of XX/XX/XXXX # XXXX had over 46 pages of detail, emails, notes, reports all showing that they could not validate the debt, much less come up with an amount accurately or consistently. I am submitting Caine & Weiner 's letter to me of XX/XX/XXXX and my response of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I opened my PayPal account towards the end of last year after reading online that they were great if you like online gambling. This proved to be true as I regularly used the account to make deposits and withdrawals to my casinos accounts easily and quickly. 

As well as funding my online gaming accounts, I use the account to send money to friends and also to withdraw funds to my bank account. A bank account that I have linked and verified with the PayPal account. 

I have used PayPal the account several times a week for the past few months without issue, until last week when I received an email stating they have limited all the features of my account. I received the email on XX/XX/25. To regain full access they requested a bank statement and an explanation of the transactions. I did not think much of this as I imagine I utilize the account more than most, and it's fair that they would run some checks every now and then. I responded the following day giving an explanation of what I use the account for and my bank statement from XXXX. 

The following day I received an email stating that I have two options. One, to refund my customers their money and have my account closed. Or two, to have my money frozen for 180 days and my account closed! I have no idea what is going on. I do not have customers and have never sold any goods or services. I informed PayPal of this but they still accused me of doing so. 

I replied to their email last week explaining the situation again, but they have ignored me and not responded. 

The balance of my account is {$31000.00} and I can't lose access to my money. I have not broken any of their rules and I don't know why they're not listening to me. 

Your assistance with this will be greatly appreciated because I don't know what to do and I don't believe they have the right to seize my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously complained that Celtic Bank/Continental Finance had charged off the account and sold it to a collection company. They refused to send me a 1099. The collection company has gone out of business. They were supposed to delete the account from the XXXX credit bureaus, but they did not.
Product: Credit reporting

I originally submitted a request online at www.transunion.com to dispute a collection account on my credit report by XXXX XXXX, XXXX : XXXX XXXX. I was made aware of this collection account by a voice message left by XXXX XXXX in regards to collecting the debt. I contacted them by phone & informed them that I have never had an account with XXXX and that I never authorized anyone else to open an account in my name. I notified them that I was a victim of identity theft. An identity thief used my personal information without my permission to open an account with XXXX. This debt is not mine. I was never informed of my rights as a victim of identity theft. Instead I was told that since this was a fraudulent account, he did n't expect for me to pay the full {$860.00} and that he could go as low as {$350.00}. I was informed that XXXX XXXX buys XXXX & XXXX of these accounts & that they buy these papers to make money. They told me that if I dispute this with Tranunion, Transunion would send the dispute to them & ask if they will remove it from my credit & that they will say " no '' because they want the money. This is exactly what happened & Transunion closed my dispute stating it was verified. I do n't understand how Transunion claims to verify disputes by sending them to the collection agency & allowing the collection agency to have the final say. XXXX XXXX does not have any info regarding this debt except for my name using my Maiden name as the last name and my SS #. Also, per XXXX XXXX, this account was opened in XX/XX/XXXX. I 'm not sure how they were able to add this to my credit report with the Account Opening Date of XXXX. XXXX XXXX has called me a few more times still trying to collect the debt. They were also using scare tactics stating that they were going to submit this debt to the other XXXX credit reporting agencies even though they are aware that this is a fraudulent debt/account.
Product: Debt collection

XX/XX/XXXX - Initial Dispute with Credit Bureaus requesting Verification ( no verification supplied ) XX/XX/XXXX - Method of Verification Request Sent to Credit Bureaus ( no details regarding creditor, dates, added info supplied - no change ) XX/XX/XXXX - Wrote to bureaus again requesting verification of the debt and no verification received regarding this account again. 
XX/XX/XXXX - Escalated and sent Validation Letter directly to the collection company ( no true validation has occurred up to this point ) XX/XX/XXXX - I received a bill from the collection company, not validation - it is attached XX/XX/XXXX - Again, I requested full validation on this account again- they supplied a letter stating the sent full validation ( the letter I received on XX/XX/XXXX attached, but again this this is not validation of a debt, it's merely a bill ) XX/XX/XXXX - I received the same bill as a response, with the statement that the debt had been validated back in XXXX ( as you can see from the letter they sent in received XX/XX/XXXX - it is a bill, not legal validation/ Per my consumer rights there are details legally they should be able to provide me the consumer that has not happened. A bill is not validation. 

I will attach proof of the validation requests I have sent. Legally they should be able to supply the following upon request, I do not know what this is for and I am trying to find out and still have not found out. 


What they sent me does not prove that I owe this debt. I requested multiple times they provide legal validation to include the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own or is this debt assigned?

( 11 ) .Copies of all letters sent to me from you and the original creditor regarding this debt.

( 12 ). How much did you buy the debt for? ( 13 ). When
was the last time a payment was made on this debt?

( 14 ). What fees/interest were tacked onto the debt?

( 15 ). How were the fees determined?

It has now led me to file a complaint with the CFPB, because I have been requesting information and it has yet to be provided. I have followed all channels from disputing/investigating validity with the bureaus and the creditor and no one has validated or supplied any of the actual supporting documentation that by law they should be able to supply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries are on my credit report that I do not recognize. 

XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letter after certified letter to Transunion as well as the other credit reporting agencies regarding accounts in error on my report. Transunion originally removed the referenced account for {$120.00} dollars and when I sent a written letter following up regarding another account that was erroneously placed on my account. They reinserted the an account they initially removed. 

I have made multiple attempts to have them explain to me how they're verifying these accounts. I've asked for copies of the documentation that they by law should be reviewing to verify these accounts prior to reporting them. However they simply reply with the accounts have been verified. I asked them to remove the accounts. They're stating they've verified the accounts. But fail to send me the physical documentation they reviewed to confirm the debt was mine. 

The account in question is being reported by " XXXX XXXX '' as I have emailed them due to their sending me a generic statement that I don't recognize. Nothing with my signature or an application of my applying for services. Furthermore there were no notifications of reporting information to my credit sent to me nor any letters notifying me of transferrence of ownership of my account. If it in fact it were mine. I asked XXXX where they received authority to report anything on my credit report. I'm waiting on a response from them right now. But I seem to be getting nowhere with either and this is just one account I'm having issues with. I'm applying for new housing this year and a professional license where my credit will be reviewed. These type of issues greatly affect my life and it seems that due to the number of accounts they're reporting. They're just bypassing the protocols required by federal law. If something doesn't change here my next step is to file a civil claim.
Product: Debt collection

SEEING THIS FRAUD ACCOUNTS CAUSE ME XXXX AND XXXX I WANT THESE TO RID OUT OF MY REPORT IMMEDIATELY!
Product: Credit card or prepaid card

On XX/XX/2020 I filed a dispute of fraudulent charges on my Bank of America pre paid debit card from XXXX. Claim # XXXX. I had just found out that someone intercepted my card and spent the money {$20000.00}. Since XXXX 2020 I have called repeatedly to BofA prepaid card, services been on hold over 20 hours and when I do reach a human, they are unable to tell me anything about my claim except its processing which tells me nothing. I have submitted everything I was asked to and they say they have received it. I have not received anything in the mail, no email, no text msg or phone call. I have not received a credit to my account. BofA has supposedly has " Zero Liability '' for fraudulent charges. I guess just not for me. EFTA states banks have to investigate claims and/or credit the account within 10 days of original report, this clearly has not happened. The stress of having someone steal from you is sickening but having to deal with the stress that Bank of America is putting me through is unbearable. I am a widow, a single mom, its the holidays, rent is due and I have mouths to feed and no money. The victims of fraud are being treated worse than the people who committed the fraud. There has got to be something that someone can do to help me but yet I have found no one. Any advice?
Product: Credit reporting or other personal consumer reports

Two letters were sent between the first and XXXX of XX/XX/year> to Experian credit bureau requesting for the removal of all incorrect information from my credit report. The incorrect information still remains on my credit report as of XX/XX/year>. Which does not match the correct information currently reported by the XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out urgently to highlight a critical issue involving fraudulent personal information and unauthorized inquiries linked to my identity. Upon a careful examination, I've discovered certain accounts and transactions falsely linked to me, without my authorization. This situation has caused me considerable distress and raised significant concerns.