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

I have submitted documents to this consumer reporting outlining the full extent of Identity Fraud when it comes to me. On XX/XX/2023 I submitted a dispute to XXXX XXXX XXXX XXXX ( file # XXXX ) concerning the fraudulent account and inquiries that are being reporting under my personal identifying information. I talked with someone named XXXX and later some other rude woman who basically told ne verbatim that even though I submitted documentation concerning fraud, that they were going to do what they wanted and continue to report fraudulent information until I make the XXXX Police Department and the XXXX Inspectors give me a police report without them conducting an investigation to see what happened to my mail. I submitted incident report numbers and a City of XXXX Police Department incident report. I also explained to them the consequences of continuing to reporting information that has been verified as fraud 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be fumished on my consumer report as they are in VIOLAT Under, 15 U.S Code 168 1b - Permissible purposes of consumer reports ( a ) IN XXXX Subject to subsection ( ) any consumer reporting agency may furnish a consumer report under the follo wing circumstances and no other : ( 2 ) In accordance with the WRITTEN 1,711 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates their rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

EWS has blatantly disregarded the FCRA as well. Providing access to personal information through credit bureaus without my consent.
Product: Credit reporting or other personal consumer reports

Please review this matter thoroughly, as it was submitted with utmost concern. My credit report contains mixed information, and I continue to encounter unknown accounts, transactions, and items that are not mine. This is deeply distressing and has caused me considerable stress and XXXX.
Product: Debt collection

I am writing to express my extreme disappointment with the inaccurate and incomplete credit information you have reported about me. Your failure to maintain reasonable procedures to assure maximum possible accuracy in the credit reports you publish has caused me significant distress. I demand that the following information be immediately investigated and removed from my credit profile. I also demand that you provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXXXXXX XXXX Opened Date : XX/XX/XXXX Balance : {$13000.00} and U.S. SMALL BUSINESS XXXX Opened Date : XX/XX/XXXX Balance : {$100000.00}. I expect an immediate response to this complaint and a prompt resolution of the issues I have raised. Failure to comply with my demands may result in legal action being taken against your agency. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The following accounts listed below are stillreporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX did not bill my insurance. I continue to give them the information and they have it on file but never bill them. I have been sent to XXXX collection agents, XXXX and Grant & Webber Attorny, There are XXXX medical bills for my family and they will not bill insurance. 
XXXX XXXX XXXX XXXX XXXX California
Product: Debt collection

LVNV Funding LLC has failed to provide proper validation of the reported debts as required by law. I requested by US Mail on XX/XX/year> ( Certified ), XX/XX/year>XXXX  ( CEO Office ) and XXXX ( XXXXXXXX XXXX XXXX ), I sent written requests for detailed information about these debts including the following : Cancelation of Debt by the Original Creditor, Purchase Agreement, Assignment Contract, Conformity of Loan- How it was handled from the Original Creditor, Do you actually own the debt or is it owned by a Securitized Trust being all debt is Securitized and are you allowed to collect on it and do you have the right to report to the credit burueas, but I have not received a satisfactory response from LVNV. As per the Fair Debt Collection Practices Act ( FDCPA ), you are legally obligated to provide clear verification of a debt when it is disputed or requested. Your lack of response constitutes a failure to validate this debt, and therefore, I consider it to be unverified and uncollectible.
Product: Debt collection

I was fraudulently sold an XXXX XXXX XXXX phone at a local XXXX on XXXXXXXX XXXX. I only use the inexpensive XXXX XXXX XXXX XXXX mobile service. I wanted the {$190.00} XXXX under this plan. I made many attempts to resolve this with XXXX XXXX XXXX customer service representatives. Finally, on XXXX XX/XX/2022 account, XXXX, associated with XXXX cell number XXXX, was cancelled by an XXXX XXXX XXXX fraud representative. A prepaid mailing card was sent to me st the same time. The tracking label shows XXXX XXXX XXXX  received the XXXX on XXXX XX/XX/2022. XXXX XXXX XXXX still illegally accessed my bank account several times after XXXX XXXX taking {$94.00} out twice and {$120.00} one occasion. My banks fraud department recovered all the unauthorized XXXX XXXX XXXX debits to my account. 
In early XXXX, I received a notice from the CREDENCE RESOURCE MANAGEMENT LLC, a debt collection agency. They are trying to collect {$910.00} from me for an XXXX XXXX XXXX XXXX account ( # XXXX ) that was closed on XXXX XX/XX/2022. I called Credence after receiving their letter to dispute the debt for an account that had been closed and a {$910.00} phone that had already been returned on XXXX XXXX. These facts were ignored, and their spokesman told me that if I did not pay, it would ruin my credit. That I had to pay them the money. A second call was a repeat of the first. I was given 30 days to send them money I did not owe XXXX XXXX XXXX. 
XXXX XXXX XXXX continued to harass me with calls from " The President of XXXX XXXX XXXX XXXX Office. Voicemail messages sounded like it was a teenager calling. XXXX XXXX XXXX also has deliberately made it difficult for me, still threatening me to pay {$30.00} a month, for 5 years, until they receive complete payment for a phone already in their possession. 
CREDENCE has sent me two forms with a deadline, or it will ruin my credit. This is complete fraud. Texas Attorney 's Office has sent me a form to report CREDENCE. As well as XXXX XXXX XXXX. 
I do not need the intimidation that is being used to take money from me due to a fraudulent sale by an XXXX XXXX XXXX employee. Essentially he tried to take {$1300.00} without authorization. I never signed anything, it was purely bait and switch. 
I need help with CREDENCE. There is no reason for them to try to intimidate me into paying.
Product: Credit reporting, credit repair services, 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 U.S.code 1681 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 

US Department of Education XXXX XXXX Has violated my rights 15 U.S.code 1681 section A states I have the right to privacy 15 U.S.code 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish Account without my written instructions. 
15 U.S. code 1681 C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item 's of information then records 15 U.S.code 1681 S - ( A ) a person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that information is Inaccurate. 

This is for complaint : XXXX XXXX XXXXXXXX Experian- XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the account listed below, which still appears on my credit report despite a previous investigation. I request an immediate re-investigation of this item, as the inaccuracies are significantly harming my credit score. 

Disputed Account : Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account XXXX : XXXX Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection 6 ( B ) ( iii ), please provide the names, business addresses, and telephone numbers of each furnisher of information that was contacted in connection with your verification of this account. 
Additionally, please send me an updated copy of my credit report after your re-investigation. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and doesn't belong to me and need to be removed .also, the nest as well .Thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have XXXX credit card with Chase Bank. In the past I've always been credited 1 free night on XXXX of each year of my membership. However, this year I have not receive the free night award along with this credit card even though it's advertised as the included benefit. I've already paid the annual fee and I still have not received the annual free night award like usual and it's been almost over 2 months. 

I contacted XXXX but they said the responsibility is with Chase Bank. I then contacted Chase Bank XXXX credit card representative on XX/XX/XXXX and I was told that they will contact me back and research to credit the amount. However, I still have not received any calls about this. 

Please see the attached screenshot from my XXXX account showing that File 1 - showing my XXXX account number File 2 - showing in XXXX and in XXXX, I received the XXXX Annual Free night award as part of Chase credit card benefit on XXXX. However, this year I did not receive any!! 
File 3 - showing that I did not receive any free night award this year XXXX
Product: Checking or savings account

The problem started when I tried transferring XXXX out of my account to one of my accounts because I decided I didnt want to have my money in the marcus savings account anymore. The next day I got an email saying that they have been trying to call me but I never received a call. My account was locked. That was XX/XX/XXXX. I called them and they told me that I would be sent an affidavit of identity to confirm my identity. I filled that out and had it notarized and sent it back on XX/XX/XXXX. I didnt hear from them at all. I called them today XX/XX/XXXX. I was told they received it from what I heard. I was then told that my account would be closed for reasons I can not be told and I would receive something else in the mail in another week or so. Im not sure whats coming in the mail because I cant remember exactly what they said to me. Now I have to wait longer to get my money back. They didnt communicate this information with me through email or anything. I had to call and figure this out. Im not sure why they couldnt have just unlocked the account and let me transfer the money out. All I want is my money back and this process is taking an extremely long time. Im not sure how many more things have to be sent to me to get this figured out. I confirmed my identity like they wanted me to do and I still have to wait longer to get my money. It doesnt make any sense and this has been a tremendous stress to me over the last month.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I filed a dispute with XXXX, Equifax and XXXX   credit bureaus about the unverified account : XXXX XXXX CT XXXX XXXX Reference Number XXXX. In over 45 days I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today XX/XX/2020. 
Thank you
Product: Credit card or prepaid card

Attempted to purchase product from a fraudulent website. Never received item and when looking closer at website discovered it was a fake company that never sent receipt nor product. Bank denied fraudulent request. 

Transaction happened XX/XX/2023 XXXX denied dispute XX/XX/2023 Amount {$87.00} Transaction name : XXXX
Product: Credit reporting

My name is XXXX XXXX I had a dispute with this information on my credit report. 
Credit ItemsXXXX XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number:XXXXOriginal Creditor : XXXX XXXX. 
Address Identification Number:XXXXStatus : Collection account. {$810.00} past due as of XX/XX/XXXX. 
Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XX/XX/XXXX. 
Date Opened:XX/XX/XXXXReported Since:XX/XX/XXXXDate of Status:XX/XX/XXXXLast Reported:XXXX Type : CollectionTerms:XXXX MonthsMonthly Payment : $ XXXXResponsibility : IndividualCredit Limit/Original Amount : $ XXXXHigh Balance : NARecent Balance : $ XXXXRecent Payment : $ XXXXPayment History:XX/XX/XXXXAccount History : Collection as of XX/XX/XXXX The address in number used on this is wrong I did not have direct tv. I did not live tat the location they have listed for this. I never signed for this either. I am not sure how this account came to be. They have not showed me any proff that this belongs to me nor provided me any information. The address identification listed for this address was my ex-husband who is now deceased.This is the address id information : Address:XXXX XXXX , XXXX XXXXAddress identification number:XXXX. 

I do not know how this account came to be and I never signed for service. I can provide proof needed showing I did not reside here, I did stay with him for about 2 weeks but that is all. I would like this removed from my credit report. Please let me know what I need to do to have this matter taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed showing that someone was approved account for a XXXX  XXXX XXXX, that was processed online with my discuss security number and an address I had while I was a military spouse over XXXX yrs ago. It was with my old last name as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX  can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Debt collection

I am writing to bring attention to a concerning matter regarding my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I have serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Product: Credit reporting or other personal consumer reports

Last year I finished paying off a XXXX XXXX  XXXX. It has been paid in full and XXXX. Equifax has the paid-in-full bankruptcy listed as a new XXXX  and has all the paid-out creditors listed as delinquent accounts. My scores with Experian and Transunion have decreased, instead of increased as well. My credit is worse than ever since I paid the XXXX  in full. I do not have a great deal of debt. The score should have gone up but it went down. Please assist me with this awful misfortune.
Product: Student loan

The Student Loans are my daughter 's in which my husband & I co-signed. My daughter missed XXXX payments on the loan and then called to try to fix it and told Wells Fargo that she was in the process of filling bankruptcy but did not want the student loans to be a part of it because we co-signed on it. Wells Fargo did not care and put the loans into Charge Off Status with their Bankruptcy department. When the loan was in default Wells Fargo said they tried to get a hold of my husband and I by sending a letter to us, however we had moved from XXXX to XXXX and they sent it to our XXXX address and by the time they received the returned letter it was in the bankruptcy department and they said they do not contact co-signers when it is in bankruptcy. My husband and I have multiple accounts with Wells Fargo including a Mortgage, They could have found our information if they wanted to find us, I feel they really never tried. My daughter never told us what was going on and Wells Fargo decided to destroy my husband and my credit without even giving us the chance to resume the payments. I found out about all of this when my husband and I tried to apply for a loan and they let me know my credit report was not what we thought it was because of the Wells Fargo Student Loans. I immediately contacted Wells Fargo and have been trying to work with them to rectify this and they just keep telling me that as a co-signer it was my responsibility to know what was going on with them. Unfortunately as a co-signer on a student loan you do not have access to Student Loans only the originator does. Had Wells allowed me to keep record of the loan on my Wells Fargo online banking I would have remembered to update the address with the Student Loans with the rest of my accounts when I moved and I would have seen right away when my daughter stopped making payments and would have addressed it before it reached the point it did. Part of being a co-signer is to take responsibility when the originator can not, but how can a co-signer do this if they are not notified or are not allowed access to the accounts? How can my husband and I get help to get our credit repaired and keep this from happening to others in the future from these big banks??