23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Dismissed Bk Check again a with the law bk can stay from the date they were Add to adjudicated incase you did not know that means the time it was processed through court so the very act of dismissing means it was not adjudicated however since you it still is ok knows who I am if they say they do n't again it because they are lying. They do n't need proof of anything they have it. here are my list of problems with them 1. CA state tax liens there are XXXX of them they keep verifying them they pad and released but that 's not the issues the problem is the dates the amounts and who they belong to. I want the method of verification I want to know who you speaking to and at what number you contacted them I want to see all paper that was included in that verification and just saying the court is not good enough because it does not meet FCRA standers.2. The being verified I am requesting method of verification such as filing dated dismissal date what was included in the BK address used in the filing and whom you spoke to and when you spoke to them and at what number so I am to talk to them in regards to your verification Well that brings me to the number XXXX The federal tax liens you have it all wrong the dates the amount whom they belong to and that they are withdrawn given that again I am requesting method of verification it is my right and your duty to provide me with this information or remove it under the FCRA they also are reporting XXXX collection accounts from XXXX XXXX XXXX this company is being reporting illegally on my credit and this company has been reported to the XXXX because of hippia violations and they are now involved in that XXXX they are also reporting southwest recovery and they agreed to be removed through this web site
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collections of any debt
Product: Credit reporting or other personal consumer reports

I'm in the process of buying a new home and working on building my business and the accounts below are affecting my credit profile. I have disputed these accounts with all three credit bureaus and no progress have been made. 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 XXXX XXXX XXXX. 

Account name XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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.

These inaccuracies are stopping me from buying a new house for my family and it's also stopping me from obtaining business loans and business credit cards.
Product: Credit reporting or other personal consumer reports

I benn a victim of identity theft. I contacted Transunion and told them for this inquiries are fradulent and provided proof. even thought they told me that this inquires were verifed .My personal information been used to obtain good and services.Please dispute and remove this fradulent infromation on my credit report XXXX XXXX XXXX bank XXXX XX/XX/year> XXXX  XXXX ( bank ) XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to XXXX and Transunion to delete an account on my credit report for XXXX. XXXX collection for XXXX XXXX XXXX due to the fact that this debt was never owed by me and in fact I ended up having to take XXXX XXXX to small claims court because of this collection and the fact that they owed me money for improper charges for a move out of an apartment. I won that case # XXXX in XXXX County KS on XX/XX/XXXX. The judge told XXXX XXXX the judgment against them was for {$490.00} plus court costs and fees and they were not to use this to offset what they claimed that I owed them as I owed them nothing. However, this is what they did. XXXX   XXXX originally posted the collection account on both XXXX  and Transunion in the amount of {$1400.00}. After the judgment, they changed the collection amount on XXXX and Transunion to {$880.00}. I sent XXXX  and Transunion all supporting documents from the court case and after my dispute was " investigated '' by XXXX they stated that the results were " we verified this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact ... '' with XXXX XXXX contact info. Transunion stated the results were " verified as accurate ''. Both credit reporting bureaus are still reporting this collection from XXXX XXXX. This collection account was updated by XXXX XXXX on Transunion on XX/XX/XXXX and XXXX  on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

New Jersey Office of the Attorney General XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX Dear sir, I have received some letters from Equifax recently. And one of them advised me to contact with you, state of New Jersey Attorney General, which was dated on XX/XX/24. For a few months, I have been checking the credit reports issue by XXXX companies, XXXX, Equifax, XXXX, and XXXX. Somehow, I was introduced to file with XXXX, which did not repeatedly send me letters asking same things, such as my identification. Regarding XXXX, it is not clear to whom the letter is meant, since there is no addressee on the cover letter, only XXXX even though I have received other letters from this company and need to read them. Same as XXXX, I asked Equifax some ambiguous my bank credit card record, which continuously changed and already in dispute with CFPB. Personally, I can not figure out why these XXXX companies are asking identification information. XXXX continues to send emails after changing some aspects of my bank credit card information, which causes the question whether it is necessary or not, or whether this office want to give me the answers which I asked previously. Regarding Equifax, I continuously send the copies of social security card and drivers license in black and white. About this letter from Equifax, it advised me about security freeze, and I am certain I already sent the necessary documents several times ; therefore, I will answer other letter from Equifax, which asked the identification documents, again the copies of social security card and drivers license, which has my picture taken 5 or 6 years ago at XXXX and have the question and concern whether the appearance will stay same such a extensive period. However, I know there is the mystery of modern cosmetic technology and make-ups. After these months, I have a question how we can identify ourselves with these people, who constantly change themselves by some mysterious techniques. Regarding credit report itself, there is no information in these letters. They just ask the identification documents and security freeze and ( extending ) fraud alert. 

Sincerely,
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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.
Product: Debt collection

I received a bill from this collections agency in amount that I do not recognize on behalf of a past due to XXXX XXXX XXXX that I was not aware I had.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is currently violating the FCRA. They refuse to do a sufficient investigation into an inaccurate account ( Bankruptcy ) they are reporting on my credit report. They have misrepresented the furnisher of the inaccurate information, as verifying the alleged account. On today, per the FCRA I am requesting that they provided the method of verification used to verify this inaccurate account as 100 percent accurate and complete. I am sending this verification request overnight via XXXX. Experian will receive on Monday and tracking will show proof of receipt. I included a copy of my drivers license and passport for identification purposes. 

Experian will have 15 days from the receipt of this request to provide me with their method of verification used to verify this account. Per the FCRA if they fail to do so they must delete the inaccurate account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report. 
Upon reviewing my credit report, I noticed that there are several inquiries listed which I did not authorize. These inquiries are negatively affecting my credit score and do not reflect my consent. 
The Fair Credit Reporting Act ( FCRA ) requires that credit inquiries be made only with the consumer 's permission. The following inquiries appear on my credit report without my authorization : 1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX Under the FCRA, I am entitled to have these unauthorized inquiries removed from my credit report. Please investigate this matter and remove these inquiries from my credit report immediately. 
Enclosed with this letter are copies of my identification and proof of address to assist in verifying my identity. I appreciate your prompt attention to this matter and request that you provide me with confirmation of the removal of these inquiries from my credit report within 30 days. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently tried to buy a house and realized there are inaccurate unverified fraudulent damages under the name of XXXX XXXX. According to the 15 USC 1681 law these damages are defamation to my character. I have attempted to reach out to this company 3 times starting from XXXX if XXXX prior to this complaint to resolve this error and have only received a system generated correspondence. No proper investigation or proof/method of validation was provided.
Product: Debt collection

On XX/XX/, at XXXX XXXX XXXX I returned a call to Credit Management phone number XXXX in which I was informed that she was attempting to collect a debt for Spectrum in the amount of XXXX and some change for an address I told her that I never lived at. The representative 's name was XXXX XXXX, asked her to provide Verification of debt as per fdcpa I have the right to request any paper trail on this debt in which she denied to do so and told me that because it is fraud that she can not mail me anything. i requested a manager or supervisor in which I then was placed on hold and never transferred per my request. I then was directed to the website to fill out a form to " cease communication '' but that still doesn't allow me to request any paperwork on this matter.
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 XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX acct # XXXX Has violated my consumer privacy rights!!! 

15 U.S.C. 1681 section 602 A states that I have the right to privacy.

15 U.S.C. 1681 section 604 section 2 It also states that a consumer reporting agency can not furnish an account without written instructions 15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason..
Product: Money transfer, virtual currency, or money service

I contact cfpb months back when I have this problem with PayPal, and they said they will hold my money for 180 days, just this month that the 180 should be over, I start having various mails from them, about all my information are correct, other will say my account is eligible for withdrawals but yet still I cant access my account, when I call the costumers call center there is nobody to talk because of COVID-19 and when I chat with them, Is like I have a start all over explaining myself at  the end of the day, they will tell me that they will forward my case to the department or I should wait for the system to refresh. 
Only to receive another email again telling me about another 180 days. All I want is to be able to get my money they are holding on to. Please help me this time
Product: Mortgage

This is an update from my previous complaint from XX/XX/XXXX. Rushmore Loan Management Services did give me another Single Point of Contact person at the end of XX/XX/XXXX. His name is XXXX XXXX which I spoke with him on the phone XX/XX/XXXX. He was very demanding and had a sarcastic attitude and was asking for the full amount in past payments. Also he mentioned that my rental income wasn't included twice on one of the properties when I applied for a Loan Modification.  XXXX XXXX mentioned that I was done and the next time he would only be speaking with my housing counselor on the phone. Then on XX/XX/XXXX I received a XXXX XXXX  XXXX  envelope at my front door which included a letter dated XX/XX/XXXX from Rushmore Loan Services it was a special Loan Modification offer which I did apply for and I was rejected. I was rejected because Rushmore has a lock on my account and that I can not apply anymore for a Loan Modification which I was told that on the phone XX/XX/XXXX. This is unfair business practices by Rushmore Loan Management Services and the denial was inappropriate. Also my income was taken incorrectly by Rushmore Loan Management Services for the Loan Modification.
Product: Student loan

The phone representatives at Navient, I assume, did not have all the same information. Information on my student loans, depending on the phone rep., changed from time to time. The phone reps were very pushy on what repayment plan I would need, not clear on what each repayment plan was. The information each year from Navient, was not sent via email or mail sometimes and was not prompted to renew the repayment plan I was in, making me default at some points during the repayment process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed several accounts ( see attached documentation ) that Commonwealth Financial Systems , Inc. is continuing to reflect on my credit reports. On XX/XX/XXXX, I submitted a complaint to your bureau ( see attached documentation ) regarding the reportings of this company. My case was closed due to their response. After this complaint was filed, I received documentation from them dated XX/XX/XXXX ( see attached ). This documentation DOES NOT SUBSTANTIATE ANY ACCURATE REPORTINGS. 

In my previous requests, I specifically asked Commonwealth to provide me with copies of any papers that show I agreed to pay what they say I allegedly owe them that bore my signature. The paperwork they sent does not reflect my signature on anything. I also asked for copies of all documents sent to me regarding this account. Again, to no avail. The statements sent are dated for XX/XX/XXXX ; however, their letter is dated XX/XX/XXXX. How then are they providing accurate information that is verifiable. Lastly, I requested that they as a 3rd party collection company, prove that the statute of limitations has not expired on the accounts ; again, they sent nothing to prove this. I am requesting as well a copy of any documentation this company has with my signature whereby I granted XXXX XXXX XXXX to share any of my personal information or records with this company if I am indeed the owner of these alleged accounts. 

It is apparent that this company is not able to produce any supporting documentation that meets the criteria for reporting entries per Fair Debt Collections Practices Act. 

DELETE these erroneous accounts from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be REMOVED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureau to validate this account ( A ), ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I hope this disputed account is deleted. 


XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Checking or savings account

B9 is charging a XXXX XXXX for an " XXXX XXXX XXXX '' for using my b9 debit card to add money to XXXX  or XXXX XXXX. This has cost me nearly {$200.00} in " external wallet fees '' since I opened my account them. 


XX/XX/XXXX - {$8.00} XXXX XXXX- {$16.00} XX/XX/XXXX - {$19.00} XXXX XXXX {$6.00} XX/XX/XXXX {$10.00} XX/XX/XXXX, {$2.00} XX/XX/XXXX. {$1.00} XX/XX/XXXX, {$19.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$6.00} XX/XX/XXXX {$0.00} XX/XX/XXXX, {$9.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} ( not a duplicate ) XX/XX/XXXX {$9.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$6.00} This totals to {$180.00} in EXTERNAL fees for adding a balance to my apple wallet/cashapp. 

In my cardholder agreement it stated the effective date was XX/XX/XXXX, but the external wallet fees started for me in XX/XX/XXXX. 

XXXX also charges a monthly fee of $ XXXX. I am being charged $ XXXX mo since XXXX. Before that, it was {$10.00}. Since opening an account with them, I have paid {$200.00} to use their service.Year to date, my fees have been almost {$400.00}. 

I feel like this is illegal.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/year> Exeter Finance LLC [ Exeter Finance LLC Address ] Dear Sir/Madam, Re : Account Number XXXX I am writing to dispute the charge-off account referenced above. This debt was sold and charged off, and I have not received a 1099-C form for the charge-off. I do not recognize or owe this debt, and the past due amounts and credit limits reported contain inaccuracies. Why is this still on my credit report?

Please provide verification of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ). Specifically, I am requesting : Documentation proving I am legally obligated to pay this debt The name of the original creditor The amount of the debt If you can not provide proper verification, you are required to cease all collection activities. Failure to comply may result in legal action for violation of the FDCPA. 

I request that you respond to this dispute in writing within 30 days of receiving this letter. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have been receiving harrasing calls and emails from a company called XXXX, they even have my mother number and ask for me. They are trying to collect a debt of a purchase of furniture on another state I haven't even been to in my life. They are trying to recover for a store called XXXXXXXX XXXX XXXXXXXX thats on XXXXXXXX XXXX  and I live on XXXX XXXX, that's XXXX hours of travel. They have been harrasing me and today XX/XX/XXXX I received a call that I was going to be served to go to to court. I called the store to verify and indicate that I was not the person they were billing. They continue to XXXX. I've been contacted various times by phone, to my XXXX XXXX  phone, by email. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The company representatives have different phone numbers and the info I can give on them is this Account Consultant Genesys National Recovery , Inc . 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX Direct Phone : ( XXXX ) XXXX Office Phone : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Last year in XXXX I was told that I had a second Social Security number pop up on my credit report, I am not sure as of why, but I was told that the hold would be put on it not they would ask me for more information if I were to inquire for any loans but instead, I have been rejected for everything and it is still on my report