23daVinci/CFPB_Complaints huggingface dataset:
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 be corrected immediately : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

My BMO credit card was placed on a fraud alert, as tried to purchase an item from XXXX and then XXXX. I called them on XX/XX/2021 to state that the charges were indeed legitimate and their agent said he lifted the fraud alert. After trying to make several purchases later that week they were all declined. I called again twice again on XX/XX/2021 and it apparently my card was still on fraud alert ( as I had paid my balance in full, the current balance was {$23.00} ). I inquired and the agent stated they " would call me back in 2 minutes '' after I explained that there was no fraud taking place. The agent ( s ) never called me for resolution. On XXXX, I called to close my account and their agent did not comply.
Product: Debt collection

Please let this notice serve as a formal dispute under FDCPA and FCRA. I do not recognize the company pursuing this debt nor the doctor that ordered it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. invalid inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 2. invalid inquiry XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 3. invalid inquiry XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 4. invalid inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 5. invalid inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 6. invalid inquiry XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 7. invalid inquiry XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 8. invalid inquiry XXXX  Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 9. invalid inquiry XXXX Date of inquiry : XX/XX/XXXX please delete this unauthorized inquiry from my credit report 10. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 11. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 12. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Thank You Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit using XXXX on XX/XX/XXXX and noticed that there were opened and closed accounts, collections, and inquiries on my credit profile that I did not authorize and have no knowledge of how they got there. 

XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$9900.00} JPMCB Card Acct # XXXX opened : XX/XX/XXXX Balance : {$4700.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX   XXXX Acct # XXXX opened : XXXX XXXX Balance : {$0.00} XXXX XXXX  Acct # XXXX opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX  Acct # XXXX opened : XX/XX/XXXX Balance : {$9600.00} JPMCB HL Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$10000.00} XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$4400.00} XXXX XXXX   Acct # XXXX opened : XXXX XXXX Balance : {$2500.00} XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$800.00} XXXX  XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$930.00} XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX/ XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I call them and this account XXXX Dynamic recovery. This is my friend XXXX and XXXX dont want to pay and at the time did not had the credit and I had a bill on XXXX that they could not give me the cell phone at all. Unless is goes in my friends name as a main account holder and all. I was telling them about this and should not be taken to the ground because he dont want to pay. It was not my problem that we had a fight and he cant pay this. I dont want this on my credit report and its not right. 
Also she was a smart XXXX. Well I can file for bankruptcy and I had fight get a manger on and than wait like 10 minutes. Than hang up and so I though do this other wise nothing will change. This is the worse collection people that I XXXX with and keep calling me but dont leave a message. I hope this fix there smart XXXX. I want that women to be fired and that manger tp let people do this
Product: Student loan

I sent in a {$5000.00} check. Wrote on the check to principle only. They didn't apply that XXXX to principle only. I called and told them. They told me it was automated that they couldn't do anything about. It was already done. Paying on the computer app and on website do not allow you to only pay principle. This is an evil company.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
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  INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules. Experian commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX . Experian is securitizing consumer data yet refuse to provide consumer a copy of their Consumer FILE not Consumer Report ... Experian is Also Refusing to Re-Investigate According to15 U.S.code 1681a & b Theres no written consent..
Product: Credit reporting or other personal consumer reports

I am disputing the following negative items that continue to appear on my credit report : XXXX XXXX - XXXX - {$9400.00} XXXX XXXX XXXXXXXX - {$4900.00} XXXX XXXX XXXXXXXX - {$6000.00} These items remain unverified despite my repeated attempts to dispute them. I have submitted multiple requests, provided detailed information, and followed all proper procedures, yet no corrective action has been taken. This lack of resolution has caused me significant financial difficulty, and the stress from dealing with this issue has deeply affected my mental and physical health. It is unjust to leave these inaccuracies unaddressed while they negatively impact my life. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and transparent credit report. These unresolved items are a direct violation of my rights, and I request immediate attention to investigate and either verify or remove these negative entries from my report.
Product: Debt collection

Bank America send a agent to my parents house demanding to pay around XXXX I was never notified before of this and I found it harassing and threatening parents where scared as the agent slammed on the door aggressively
Product: Money transfer, virtual currency, or money service

I filed about this in last couple weeks with yous. I wanted to inform yous about the letter i got from charles schwab about a transfer of money out of my checking account i believe it was not my savings account with them for XXXX dollars made by XXXX. I explained to yous and Charles Schwaab that i didnt authorize the transfers of money that XXXX XXXX this on their own fraudulently taking XXXX dollars out of my account for no reason at all without permission. Schwab says its shows as if i authorized this transfer of money and their believing the lies and manipulation of facts in this transfer. It wasnt me. Now Charles Schwaab should honor their policy because they have insurance covering peoples money for this type of thing. Sure if robinhood forged and manipulates things acting like i approved this transfer it might look like this but its totally untrue! Charles Schwab just dont wan na stick by their policy their promise and guarantee protecting a persons money. They need to address this along with the other issues ive had with them and replace the several hundreds of dollars they charged me in overdraft fees. I figure they owe me close to XXXX dollars because of this reason. I thought i had enough mney in account to make purchases because i made deposits that then showed in my balance as if i had that money then and now misleading me to believe that but in reality had the money on hold until they receive it from bank. They shouldnt do this its very misleading and they do this on purpose so they can charge extra fees its not right it shouldnt reflect in balance until transfers clear then.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the list of accounts below, has violated my federally protected consumer rights to privacy and confidentiality under 15usc 1681 .15 usc 1681 ( a ) states i have a right to privacy. 15 usc 1681sec.604 a section 2 states a consumer reporting agency can not furnish an account without my written instruction. further each company 's disclaimer clearly state they must have my consent to share my information. 15 usc 1681 c ( a ) ( 5 ) states any adverse information. 15 usc 1681s 2 ( a ) ( 1 ) a 681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. account number XXXX, account numberXXXX, account number XXXX, account number XXXX, account number XXXX
Product: Credit reporting or other personal consumer reports

My personal information was breach with XXXX old addresses I ask to been remove and names late payments and debt Collections Hard InquiriesXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

COLLECTION ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX WHICH HAS BEEN ON MY REPORT OVER 7 YEARS. NO DOCUMENTATION HAS BEEN PROVIDED TO ME ON SEVERAL ATTEMPTS. HAS BEEN REMOVED AND CAME BACK SHOWING AS A CHARGE OFF BUT REPORTING PAYMENT HISTORY WHICH IS A VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing this information in XXXX regarding these two companies XXXX and macy company. I fill out every form the companies sent to me from the fraud department to a police report back in XXXX. Id also requested a copy of the applications that was submitted by me since this account was supposedly open in XXXX the company was still actively doing paper work for new account. I havent received a copy of the the request paperwork information regarding the credit application from the company. These account is showing a balance and a past due amount for many years this company continues to bully and harass me with this relentless negative information on my credit report which is affecting my family and personal lively hood to get good paying job and a decent place for me and family to live. This is a constant reminder of how the company treat XXXX and XXXX people who work hard and want a fair share in life.
Product: Checking or savings account

I believed that an old checking account was closed. I had an unintentional charge on the account causing it to overdraw. I was instructed to go in person to a branch to close. I went to the XXXX XXXX Wells Fargo branch where i was turned away and told to call the number on the debit card. I called that number and it had a very long wait time and selected for the call back option. Once they called me i told them to close my account. They then hung up on me and i still cant get through to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint, it is involving a different company. I, XXXX XXXX, am a living woman and I am submitting this complaint on my own and there is no third-party working on my behalf. My issue with XXXX is that they have breached their own contract and have provided false and misleading information. I have been in dispute with XXXX for several months about their fraudulent activity and have not received any resolution to my dispute. Instead they have CHARGED-OFF my account and have reported this negative account to the consumer reporting agencies. This is a clear breach of contract. Within their Dispute Agreement, it states that all claims arising from or relating to this Agreement and the Loan must be resolved by binding arbitration. XXXX did not do this, they only charged-off my account and did not provide notice of such changes to my account. Pursuant 15 USC 1681a ( 2 ( b ) ), a charge-off account should be excluded from a consumer report and reporting a charge-off is a fraudulent reporting of an account. Reporting a charge-off is illegal because it is income and income is not reported to a consumer report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that this charge-off account should have never been reflected to my consumer report, which is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone seems to have access to my personal information and is trying to ruin my credit. In XXXX ofXX/XX/XXXX, a debt from XXXX XXXX appeared on my credit with a balance of {$7900.00}. this debt has no account number, just a po box and a phone number. I made several calls to them and have gotten nothing more than the classic run around. I have been unsuccessful in rectifying this problem. 

In XXXX of XX/XX/XXXX, I was rerouted to a collection agency and spoke to a Mr. XXXX XXXX who informed me that I did not have an existing account with their agency and that whatever account it was is either closed or is not with their company. I recorded my conversation with Mr. XXXX XXXX since I kept getting the run around. I have his voice making the statement. 

Both companies are claiming to not have possession of this account so I don't know why it is on my credit report. I need this to be removed from my credit report immediately as this is causing me an enormous amount of stress. Please advise as I do not know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regard to my complaint with CFPB XXXX, the XXXX XXXX XXXX XXXX XXXX inaccurate and incomplete documentation Validating the debt they claim that I owe on behalf of XXXX. They failed to provide the details of either items or services or any other proofs like delivery receipts with my signatures. Therefore, the documental evidence they submitted is incomplete or inaccurate. I do not recall to the best of my knowledge, that I purchased any items or services from XXXX that i have not fully paid. Furthermore, I am not present at the address since XX/XX/2019, as I am out of XXXX for my medical treatment. I am enclosing their submitted validation document which is incomplete and in accurate.
Product: Credit card or prepaid card

In XXXX of this year, our state shutdown over the covid crisis, and I was not going to be able to work for an unspecified period of time. I made XXXX payments for all my cards and services, but would be unable to pay my obligations through the remainder of the shutdown period. The IRS postponed payments through XXXX. I contacted all my cards and services in XXXX, and my student loan, XXXX  XXXX XXXX, XXXX and XXXX all suspended payments to XXXX of XX/XX/2020. American Express also agreed to work with me during this period. In XXXX, I received a text message from AMEX stating I was past due. I contacted them immediately and was told that I was ok, it just takes a while for the deferment to enter the system. However, in XXXX, I began receiving daily phone calls from AMEX, claiming my account was past due. I was in phase 3 of California 's reopening and didn't go back to work until XX/XX/XXXX. I called AMEX and told them I would be able to start making my payments again in XXXX, that my account was mistakenly placed in past due status, and asked if they could remove the late fees and past due amount. They refused and stated I was responsible for the past due amount. A week later, California shutdown again and I haven't worked since. I was eventually forced to get unemployment insurance, since I needed to start making payments in XXXX. I made a XXXX dollar payment to AMEX as my XXXX payment, and filed a complaint with the XXXX. AMEX contacted me and told me they do not make adjustments to past due amounts and they had already given my account to a collection agency, and would have to discuss it with them.
Product: Checking or savings account

On Thursday XX/XX/XXXX CitiBank blocked access to my account without permission. They then proceeded to say they can not help me until i received a reference code in the mail. Once the code arrived, i spoke to fraud prevention and they said i would gave access back to my account within 15 minutes. It has been over 24 hours since and they have not unlocked my account or given me access to withdraw or transfer the funds from my account.
Product: Debt collection

This situation began in XXXX  when I was living in the XXXX XXXX. My parents in the XXXX XXXX  received a call from Elan Financial Services claiming I owed a debt. I contacted them, and after a very frustrating call in which I explained I did not have an account with them and wasn't in the country- so could not legally have been given any XXXX debt, I formally requested proof of the debt including signed contracts, original amount of debt, any payments made and interest and other charges. I never received any information from them. A year later my parents received a letter, I went through the same process, but no proof of debt was provided. The debt has moved from Elan to various collectors, the most recent being US Bank National Association ND and now XXXX XXXX XXXX XXXX. 

Each time I request proof of the debt, I don't receive any. And usually the debt gets sold to another collector. 

What can be done about this? Can random companies continue to profit from selling fraudulent debt claims- when they realise they are uncollectible and can not result in profit to them? Is there any recourse for me, having to go through this situation over and over again?
Product: Credit card or prepaid card

On XX/XX/2020, I called in to check on the status of my previous credit card payments. I was told that it would be in my favor to pay the amount due on the card {$27.00}. I did that 3 days before the actual due date and received confirmation that it has posted to my account leaving it at a {$0.00} dollar balance. I can not get an auto loan because of this and need it removed with this unfair situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out many times to the companys reporting on my credit reports and matched info For my social and birthday address which they agreed did not match my true identity and all agreed to delete all accounts from my credit reports permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to obtain any resolution from Experian regarding an erroneous reporting BK on my credit report. Experian conducted an initial investigation into a supposed BK reporting on my credit file back in XX/XX/2019. The result of that investigation was based on information obtained through XXXX who somehow had a BK against my name n their file in error. Since that initial investigation was complete, I have since corrected the errors with XXXX. Even though I have requested on multiple occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) for a re-investigation into the matter, Experian has refused to re-investigate. Additionally, their Online system will not allow me to submit any dispute and their call center representatives will not take a dispute from me. I even filed a CFPB complaint back in XX/XX/XXXX, to which Experian completely stonewalled and provided no substantive response whatsoever. Similarly, the CFPB accepted their lack of response and closed the case without checking with me first.
Product: Credit reporting or other personal consumer reports

Inquires made that I didnt authorize XXXX XXXX XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX 2024 XXXX XXXX XXXX 2024
Product: Credit card

I used my credit card with XXXX and ever since then my credit card account got restricted