vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT SYSTEMS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : ** Request for Original Instrument of Indebtedness, Audit Trail, and Validation of Charged-Off Account **Dear Sir/Madam, ** I am writing regarding the charged-off account referenced in your recent communications with me. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and various accounting and legal standards, I am requesting specific documentation and validation concerning this account. 

**1. Request for Original Instrument of Indebtedness : ** Under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide the original instrument of indebtedness with my autograph on it. Please note that I am requesting the original document, not a photocopy. This is to ensure the authenticity of the document and its terms. 

**2. Complete Audit Trail and Tax Registration Certificate : ** In accordance with Generally Accepted Accounting Principles ( GAAP ), International Financial Reporting Standards ( IFRS ), the XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) conventions, I request a complete audit trail of the accounts related to this debt. Additionally, please provide a copy of the Tax Registration Certificate for the involved entities. 

**3. True Certified Copy of the Original Note : ** Please provide a true certified copy ( NOT a photocopy ) of the original note or promissory note ( credit agreement ) that binds both parties. This request is made to ensure that the document is an official and verified copy of the agreement. Please send this document via certified mail to ensure there is an independent witness to the delivery. 

**4. Validation of Debt : ** In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( b ), I am disputing the validity of the claim and formally requesting validation of the debt. Please provide detailed validation as required under the FDCPA to substantiate the claim that you are asserting. 

Please respond to this request within 30 days from the date of this letter. Failure to provide the requested documentation and validation may result in legal actions to address this matter. 

Thank you for your prompt attention to this request. Please ensure that all communications are made in writing and sent to the address listed above. 

**Sincerely, ** XXXX XXXX XXXX UCC1-308 ALL RIGHTS RESERVED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BMO online banking advertised a bonus promotion of {$500.00} code XXXX to new Relationship Checking customer will be deposited to the account should a direct deposit of at least {$7500.00} occurred within 90 days of the account opening. On about XX/XX/XXXX I opened a checking and savings with BMO. XXXX XXXX was the banker who verified my personal credentials in opening checking and savings account ending with XXXX and XXXX respectively. However, there were some mishaps occurred on the part of BMO bank, i.e. the checks order shipment was lost, direct deposit was rejected. After about 3 months handling these mishaps Takesha 'gave up, and closed the checking account ending with XXXX ' on XX/XX/XXXX. 
A new cash bonus promotion was in effect, that {$600.00} cash bonus was given for new account should direct deposit of at least {$7500.00} occurred. I was assured by XXXX XXXX when he opened my replacement checking ending with XXXX that {$600.00} cash bonus will be deposited into my checking by XX/XX/XXXX should I made arrangement for the direct deposit asap. I met all requirement to earn the {$600.00} cash bonus. However, BMO FAILED TO HONOR THEIR MARKETING PROMISE WITHOUT A JUSTIFIED REASON. After a few attempts to request BMO to make remedy I decided to close the accounts with BMO to avoid monthly fees. I also told XXXX XXXX that I WILL FILE a complaint with CFPB against the bank for their deception, dishonor toward the consumer. Thus, this complaint is now filed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a validation letter to LVNV c/o Resurgent Capital Services as they sent a debt collection notice via email dated XX/XX/year> and several phone calls with messages for Account Number XXXX in the amount of {$820.00} and Account XXXX in the amount of {$790.00}. I have no transactional history with this company and owe them nothing. I asked them to supply me with a copy of any contract or agreement signed with their company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692g, I request their license to be able to collect a debt in my state. Next, I'd like to request the chain of custody for the alleged debt, a contract with my wet ink signature, statute of limitations for the debt, and the purchase agreement. These are all items they must provide in order to legally validate the debt. As usual, they did not provide that and only sent me a copy of a bill. 

LVNV c/o Resurgent Capital Services are in violation of my consumer rights and law according 18 USC 894 - Collection of extensions of credit by extortionate means. The law states ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means. 

Violation of 15 USC 1681a - Fair Credit Reporting Act As per 15 USC 1681a, the FCRA mandates that all information provided to credit reporting agencies be accurate and verified. I have reason to believe that Resurgent Capital Services has violated this law by reporting an inaccurate or unauthorized collection account on my credit report. I request that you provide the necessary documentation to prove the legitimacy of this debt, including the original contract and any other relevant evidence showing my obligation to the debt in question. If you are unable to provide such evidence, I request that you immediately remove this collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I never authorized this account to be opened in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX are deceitful liars. They said that they contacted the insurance company and that the insurance company said I did not have insurance that information is a total lie. I am submitting proof that the insurance company tried to get the bill of sale I also attempted to get the bill of sale for the insurance claim but XXXX never provided it. I tried numerous times to get this information from them so I could give it to the insurance company even though they were listed as the lien holder and they could have got it from the insurance company directly. This was not my responsibility. I recently disputed this with CFPB and the case was closed I have new information so please reopen it and reverse the decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I discovered multiple inaccuracies in my credit report, including an incorrect name, outdated addresses, inaccurate phone numbers, and other personal information that does not belong to me. Specifically : An incorrect address, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, is listed, which I do not reside at and can not receive mail. My only valid address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
The name XXXX XXXX XXXX appears on my report, which is incorrect. My legal name is XXXX XXXX. 
The following phone numbers listed on my report are not mine : XXXX, XXXX, and XXXX. My only phone number is XXXX. 
My year of birth is displayed on my credit report, which is unnecessary and poses a privacy risk. 
I suspect these errors may have been caused by identity theft or a data breach, which I have been a victim of recently. These inaccuracies have compromised my ability to monitor and protect my personal information, and I fear my data may be further misused. 

I contacted the credit bureaus ( XXXX, Equifax, and XXXX ) to dispute these inaccuracies under the Fair Credit Reporting Act ( FCRA ), which requires them to ensure the accuracy of the information on my report. Additionally, I cited the Fair Debt Collection Practices Act ( FDCPA ) as it pertains to misleading information being reported. 

Despite my efforts, the inaccurate information remains on my report. This lack of correction undermines my ability to protect myself from fraud and impacts my ability to manage my credit effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I discovered multiple inaccuracies in my credit report, including an incorrect name, outdated addresses, inaccurate phone numbers, and other personal information that does not belong to me. Specifically : An incorrect address, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, is listed, which I do not reside at and can not receive mail. My only valid address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The name XXXX XXXX XXXX appears on my report, which is incorrect. My legal name is XXXX XXXX. 
The following phone numbers listed on my report are not mine : XXXX, XXXX, and XXXX. My only phone number is XXXX. 
My year of birth is displayed on my credit report, which is unnecessary and poses a privacy risk. 
I suspect these errors may have been caused by identity theft or a data breach, which I have been a victim of recently. These inaccuracies have compromised my ability to monitor and protect my personal information, and I fear my data may be further misused. 

I contacted the credit bureaus ( Experian, XXXX, and XXXX ) to dispute these inaccuracies under the Fair Credit Reporting Act ( FCRA ), which requires them to ensure the accuracy of the information on my report. Additionally, I cited the Fair Debt Collection Practices Act ( FDCPA ) as it pertains to misleading information being reported. 

Despite my efforts, the inaccurate information remains on my report. This lack of correction undermines my ability to protect myself from fraud and impacts my ability to manage my credit effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I deposited into my checking account a travel insurance claim award check for {$53000.00} in person at the Citibank branch in XXXXXXXX XXXX. My account was approximately {$3000.00} overdrawn at the time, so I left with a deposit receipt which stated my available balance as approximately {$50000.00}. The next day they closed my account and have been holding the funds ever since. I have attempted to get my money back several times since. I went into the branch to talk about it and they told me it could only be resolved over the phone. On one occasion they told me they had sent the money back to the check writer, but the writer says that the check shows as cashed on their end and they don't have it. Last time I spoke to Citibank they said the check needs to be verified but they couldn't find a verified phone number for the issuer and that's the only way to verify the check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently was going over my credit report and noticed that Experian is reporting late payments on account that been discharged thru Bankruptcy XXXX account # XXXX From my understanding any accounts that are discharged should not reporting any late payments and this is a violation of FCRA I dispute this account with Experian a few time each time the account comes back updated still reporting late I am asking them one more time to fix this account or I will have no choice but to pursue my legal options if they dont comply I will attach a copy of my ID as proof of identification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc.
State: PA

Complaint narrative:
I have already pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you, I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove altogether. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditors. 
Complete payment history on this account, to prove that the amount you wish to collect is correct I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" 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 "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: LA

Complaint narrative:
Bought a money order XX/XX/year>2023 and made it out to " XXXX XXXX XXXX XXXXXXXX '' for the fee for a passport which I didn't use but could not use or cash it. Tried many times to request a refund but never got one. Please Help!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I reviewed my Consumer Reports and notice that i had XXXX late payments on an account that I have never been late for Consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for the account. 

Please investigate and provide proof with statements showing these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I never late. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation