23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian is reporting fraudulent accounts that do not belong to me to my credit report. I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The followingaccounXXXX XXXX XXXX XXXX ( Account Number : XXXX, Original Creditor : XXXX XXXX XXXX XXXX. Date Opened : XX/XX/XXXX. XXXX {$490.00}. XXXX XXXX XXXX XXXX ( Account Number : XXXX, Original Creditor : XXXX XXXX XXXX. Date Opened : XX/XX/XXXX. XXXX {$1000.00}. XXXX XXXX XXXX ( Account Number : XXXX, Original Creditor : XXXX. Date Opened : XX/XX/XXXX. XXXX {$2300.00}. XXXX XXXX XXXX ( Account Number : XXXX, Original Creditor : XXXX XXXX. Date Opened : XX/XX/XXXX. Balance {$600.00}. XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ). i have attached a copy of my ID and FTC report. ( Please see attachments ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Barclays payment allocation policy prevents me from paying off a 0 % balance transfer unless I first pay a newer 6.99 % promotional purchase. This was not clearly disclosed, and now the 0 % balance is at risk of triggering 29.49 % interest. I made sufficient payments over 11 months, but their system blocks repayment unless I pay off newer balances first. This creates an unfair interest trap and violates TILA, Regulation Z, and promotional transparency requirements.
Product: Debt collection

Called repeated all day long from XXXX-XXXX, the phone rang at least 10x a day. This has gone on for months and months. I called to payoff the medical debt, however, they collected it, but my phone still rings via robocall. I have excellent credit, but the calls started after one month of a doctor 's office visit. 

Escallate LLC Professional Services Address : XXXX XXXX XXXX # XXXX, XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX with the original creditor sprint is reporting a collection with a balance. This is paid off and I have attached proof of payment to this complaint.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit card or prepaid card

On XX/XX/XXXX my wallet was stolen which contained all my personal valuables including my bank cards and identification cards. 
I did file a police report and reported to the fraud dept of Bank of America. 
Bank of America is not helping to fix this issue as my credit card was used to purchase items worth over a thousand dollars and Bank of America is saying I have to be responsive for that payment made from my stolen card.

Bank of America claims credit cards have pins and my pin was used on purchases but my credit card has no pin.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I was notified by XXXX  through XXXX that 2 hard inquiries were placed on my credit report to open new lines of credit with XXXX & XXXX XXXX in Michigan - a state I have never even visited or resided. These inquiries were flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX, XXXX & XXXX XXXX, fraud alerts were placed on all 3 credit reports and XXXX immediately removed those hard inquiries from my account ( I can provide documentation, if requested, but will not upload at this time, as it contains NPI ). XXXX  notified Equifax & XXXX, to which neither took action nor contacted me. Equifax has since prohibited me from pulling my free annual ( now weekly with COVID ) credit report from XXXX and they refuse to tell me why they did this. I am now unable to obtain my Equifax report online. 

On XX/XX/XXXX, I filed an online dispute via myEquifax.com to remove 2 fraudulent hard inquires on my account ( XXXX XXXX & XXXX ) ; however, myEquifax.com does not allow documentation to be uploaded for dispute investigation. On XX/XX/XXXX, Equifax denied those requests, stating that I need to contact these creditors on my own and ask they contact Equifax to remove this hard inquiry. Back in XXXX, XXXX XXXX was contacted and my identity was verified, thus the fraud application was denied. Equifax refuses to use XXXX XXXX 's investigation from the date in which the fraudulent activity occurred. On XX/XX/XXXX, I both filed an online dispute again and tried to file a dispute via telephone call, but both were rejected for the same excuse. Per XXXX ( employee ID : XXXX ) with the Equifax Fraud Department, I need to verify my identity with these companies, but she refuses to assist in that process. Equifax will not allow previous investigation work, nor will it assist me, as the real consumer, in getting my Equifax report updated to reflect accurate information. Additionally, since these are hard pulls, they negatively impact my credit score.
Product: Credit reporting or other personal consumer reports

I do not have a contract with Capitol one authorizing any public or private usage of my name. They are violating 15 usc 1666 by reporting alledged late payments on a credit profile without any verification. This is a direct violation of my constitutional rights, and fcra laws to protect consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint case number XXXX and the company responded which I have included below. It has been over 30 days and its still showing on my credit report. I want it removed as stated right away .... 


STATUS Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response Midwest Recovery Systems ( MRS ) strives to provide the highest quality of service to our clients and our clients customers. Therefore, MRS regrets hearing otherwise and takes these matters very seriously. Thank you for bringing this complaint to our attention and we appreciate the opportunity to respond. Upon receiving notification of this complaint, MRS investigated regarding this matter. It was found that our client was unable to validate this debt. This account has been marked as Unable to Validate as of XX/XX/2018 and a record of deletion will be sent to the three credit reporting agencies. Please allow 30 days for the credit reporting agencies to update their records. If there are any questions, please contact our office to resolve this at XXXX. You may also email us at XXXX. - MRS Compliance Team
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not delete these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Timely payments on this account have been my steadfast commitment, never allowing them to lapse. I'm confused by the presence of late payment remarks on my accounts. Referencing 15 USC 1666b - Billing Error, rectification is mandated.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed these fraudulent accounts. Please remove these accounts from my report as they are hurting the way I obtain credit.
Product: Debt collection

I had 2 collection on my credit report that I paid off simultaneously. One of the collections was removed but the other remained. I spoke to a representative of the debt collection company and they said it should come off after I disputed it. After the dispute they never removed it.
Product: Debt collection

I have written communication between myself and the company requesting that XXXX and any other company working on there behalf not contact me by phone. The first request I sent to them to stop contacting me by phone was on XX/XX/XXXX. I sent an email as well as signed delivery letter by USPS. On XX/XX/XXXX XXXX sent an email confirming receipt of my request. I have asked that all communications be in writing. They have honored my request up until yesterday. XXXX XXXX with XXXX contacted my place of employment and left a recorded message for me. I contacted the company and asked once again that they stop calling me but was told that they will not stop calling. Stated they will contact my human resources department till the so say " DEBT '' is paid in full. I've emailed the company again reminding them not to call me. This is really embarrassing. 

All I want is for them to stop calling me as I have requested in the past.
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 USC 1681. 

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX Account number XXXX 15 U.S.C 1681 Section 602 A Section States I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing the following items of information. Any other adverse 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information 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
Product: Debt collection

America express dont access keep get a bill never use the card America express say have a balance never use the card how is the company saying payment been make from XXXX XXXX  dont have bank account this fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Product: Credit reporting or other personal consumer reports

I am asking the CFPB to address this complaint and do a through investigation of Portfolio Recovery and provide the Monetary Relief that is allowed under the FDCPA and the FCRA. 
Portfolio Recovery reports a Date of Removal to XXXX as XX/XX/XXXX but a different date to XXXX XXXX that is XX/XX/XXXX. 
Also. When disputing with the credit reporting agencies they have ILLEGALLY VERIFIED committing even more VIOLATIONS under both the FDCPA and FCRA. 
Portfolio Recovery has the audacity to send me a reply responding to my request under FCRA 623 ( A ) ( 8 ) ( E ) their letter dated XX/XX/XXXX for the Date of First Delinquency they have on file to prove different removal dates that they continue Illegally ti report differently to the credit reporting agencies that are clear RE-AGING violations. 
( Please See Screenshots Attached ). 
They use in haphazard fashion 15 U.S.C. Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( II ) illegally to avoid submitting the information I request such as the DOFD that they have on file to PROVE the true date this information will be removed from my credit report. 
They bought this account from XXXX XXXX  that was being reported by XXXX XXXX  as well. I disputed with XXXX XXXX  and it is no longer reporting on any of my credit reports. It was removed from all my credit reports after multiple disputes to XXXX. 
XXXX XXXX  was reporting a date of last payment as XX/XX/XXXX and it has been removed from all my credit reports. 
My question is how can Portfolio Recovery continue to report knowing or should know the account has been Re-Aged. 
But somehow Portfolio Recovery continues to report this RE-AGED account with a {$1900.00} Balance. Portfolio Rcovery # XXXX. 
reports DIFFERENTLY Date of Removal dates on XXXX XXXX and blatantly report a different date on XXXX. There is no DOUBT this account has been illegally RE-AGED and I want it removed by Portfolio Recovery because after multiple disputes with XXXX XXXX  they finally are not reporting this account ending in XXXX any longer and I want Portfolio Recovery to do the same. 
Again, I am asking the CFPB to forward me monetary relief after investigating this companies illegal violations under the FDCPA and the FCRA and have them remove this account : Portfolio Recovery # XXXX.
Product: Debt collection

I have recently discovered some collections on my credit report that do not belong to me. Someone has used my name and now I am repeatedly being harassed and threatened for bills that do not belong to me. These agencies use XXXX collection attempts and the US Govt. should stop this. These collection agencies are relentless and they continue to call my place of business, my home, my friends and my relatives, all hours of the day or night seven days a week. They are trying to force me to pay for services and/or bills that are not mine. Also the collections are from a state I have never resided in. I have tried to resolve this on my own to no avail and I refuse to pay or settle on a bill that is not mine. Looking through my investigative notes it seems that the ( XXXX ) medical collection 's on my credit report are connected to XXXX visit to a NC doctor visit. It seems my name has now been sold to yet another batch of piranhas because I am now being harassed from new telephone numbers from a different state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times about two hard inquiries, neither which have resulted in open accounts. However, Equifax refuses to remove or submit a request for removal on their side. I do not have either account open nor have I applied for these accounts. When I request they continue to put me on hold for several long periods of time, and then refer me over to the lender, which I have also reached out to. Equifax refuses to submit a claim on behalf, despite contacting them numerous times. Equifax is also refusing to provide me with proof that I approved these inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter. Proper changes were not made zeroing balance is not removal To Whom this concern. 

Please forward to person of interest. 

I am writing to disputeXXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) and XXXX, XXXX and XXXXXXXX XXXX XXXX and XXXX, XXXX XXXX  and XXXX, XXXX XXXX  and XXXX, ] on credit report. The balance listed on the account is incorrect. 

YOU MUST DELETE the account, you are NOT AUTHORIZED TO RETAIN NOR REPORT, doing either is a CLEAR INFRACTION of the FCRA and certainly UNJUST INFRINGEMENTS upon my CONSUMER and or CIVIL RIGHTS, either being REMEDIABLE in a CIVIL COURT via MONETARY AWARDS to me for EACH VIOLATION and EACH PERIOD of which you CONTINUE YOUR MIS-REPORTING of this OBVIOUS and ILLEGAL MIS-INFORMATION. 

YOU MUST ANNUL the ACCOUNT ALLEGATION and ALL ASPECTS of it TODAY, HERE AND NOW so DO SO to RETURN to or RETAIN lawful REPORTING!
Product: Debt collection

I visited the ER at Blue Diamond, a subdivision of XXXX XXXX XXXX in XXXX XXXX, Nevada on XX/XX/2021. I paid out of pocket with my own money over a XXXX dollars however my insurance XXXX ended up covering my entire bill for me a month after my visit. I have the explanation of benefits for this medical visit as well. I was never notified that this company sent my bill to collections and because of this my credit has dropped some points and I just found out that i had a bill in collections literally two days ago. I contacted both the hospital and was told that I was lying about paying it when they have literally already received money from my insurance and I have actual proof. I also contacted XXXX which is their collection agency and they are being very non-compliant and making me jump through hoops to get this removed when this is a filing error on their part. I need something done because this hospital notoriously over charges people and wants to take advantage of my credit and money when they have already been paid. My credit is very important to me and its not fair that my score is lower now because of them especially when I plan on taking out loans to pay for a home and schooling this next year or so.
Product: Debt collection

I have had this loan in the past but was called at work by a man named " XXXX '' who told my secretary that if I did n't answer his phone call I would be handed a subpoena at work in the next hour or so. 
A docket number from the court was attached to the message from the secretary and he said I could either call or they would show up at my XXXX. When I took his phone call he asked for my social security, ATM card number and offered me a " deal '' to pay off this debt. When I called this number in the evening to investigate further someone answered that was unprofessional and unwilling to give me information about his company ERG. 
I called back again and they would not give me an address to send a cease and desist letter to them. They would also not give me a liscence number for their operation/collection office. Doing an internet investigation it sounds like they are misrepresenting the court system and making threats as well as disrupting my co-workers and self. They are pretending to be government officials and coming up with bogus document numbers which in reality would be mailed out if they are legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX Phone XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
[ XXXX, MN, XXXX Subject : Dispute of Debt Collection Account Dear Credit Collection Service, I am writing to formally dispute the validity of the debt that has been referred to your agency for collection. The account number in question is [ XXXX ], and I believe that this debt is inaccurate for the following reasons : I do not owe this debt, the amount is incorrect, I never signed a contract for this, etc. ] In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide verification of the debt, including the following information : 1. The name of the original creditor 2. A copy of the original agreement or contract that created the debt 3. An itemized statement showing the amount owed and any fees or charges applied 4. Any other documentation that substantiates the debt Until this information is provided and the debt is verified, I respectfully request that all collection efforts be halted and that this account be marked as disputed on my credit report. 

Please respond in writing within 30 days as required by law. If you do not provide the necessary documentation or fail to resolve this matter, I will consider pursuing my rights through the appropriate legal channels. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Respectfully, XXXX XXXX
Product: Debt collection

I filed a complaint with you over at & t. They credited me XXXX XXXX and unlocked my phone and ended the contract. Now true accord is trying to collect on it. This was sometime in 2021 I think. Its been years and the funny thing is I'm documented using the non contract cricket because every time AT & T gets their hooks in you XXXX XXXX XXXX  over til you cry foul then wreck your credit for not letting them narcissism enough. I filed a compmaint on them and accord used the info to start harrassing me with emails. I just got awardes 100 % XXXX at VA for XXXX. So thanks, scumbags at accord for making life and home ownership yet harder to get