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

XX/XX/2019 RE : VIOLATION OF 609 FAIR DEBT REPORTING ACT To Whom It May Concern : I am filing a formal complaint against Experian credit services for continuing to report inaccurate information found on my credit report that I want PERMENTLY DELETED per violations according to section 609 of the Fair Debt Reporting Act. [ Section 609 ( a ) ( 1 ) of the Federal Credit Reporting Act ( FCRA ) states that CRAs, including major credit bureaus such as XXXX XXXX, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer... All information in the consumer 's file at the time of the request '' ( emphasis added ). If the " information in the consumer 's file at the time of the request '' includes account and social security numbers, the provision thus normally requires that the CRA " clearly and accurately '' include such items in its disclosure to consumers. ] I have challenged their reporting and compliance on several of my accounts with XXXX  XXXX XXXX, XXXX XXXX, XXXX/XXXX, and XXXX/XXXX XXXX that are continually being reported on my credit report with INACCURATE/MISSING information ( INCORRECT ACCOUNT NUMBERS ). Also, I have requested and sent proof of my legal name and current and only mailing address, yet they continue to report various variations of my name and mailing address on my credit report, which ARE NOT ACCURATE!. 

I have sent multiple letters to them. The first ( 1st ) through regular mail on XX/XX/2019. The second letter on XX/XX/2019 via certified mail signed for on XX/XX/2019, and third ( 3rd ) letter sent XX/XX/2019 via certified mail which was signed for on XX/XX/2019. I received a response back on XX/XX/2019 telling me that they would not dispute accounts again unless I have additional relevant information. 

As you can see, the files I have attached clearly show that they are continuing to report variations of my LEGAL NAME, which I DO NOT USE ON ANY OF MY ACCOUNTS. Furthermore, they are reporting INACCURATE MAILING ADDRESSES, which I currently do not live at or receive mail at those addresses per POSTAL REGULATIONS. In addition, you can clearly see that the account numbers being reported and sent to me on my latest report DO NOT HAVE THE CORRECT INFORMATION ( ACCOUNT NUMBERS ), so by law, THEY MUST DELETE THE ACCOUNTS WITH INACCURATE INFORMATION per Section 609 9a ) 1 of the FCRA upon my request.

Their IMPROPER PROCEDURES have been highly damaging to my credit score and credit history. I want the erroneous information IMMEDIATELY DELETED from my credit history.
Product: Debt collection

I paid the total amount of my debt via phone, with my debit card between 3 and 4 months ago.
Product: Debt collection

I have been disputing information with the credit bureaus but nothing has changed ; there is an account by the name of PORTFOLIO XXXX XXXX that is reporting to my credit that reports as a Factoring Company. I have no idea who they are, or why they are reporting to my credit, I have filed disputes against the company with the credit bureaus but nothing has been removed. All that it states that the item was disputed and that the issues have been resolved but I disagree and I have been going back a forth about this issue to no avail.
Product: Credit reporting or other personal consumer reports

I am Submitting a complaint to you regarding account number XXXX from XXXX XXXX XXXX XXXX. I am the person making this complaint & I give CFPB authority to investigate this claim. I do not have any such account with that company and I have tried to dispute it directly with the company, to no avail. 
I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.
Product: Bank account or service

I would like to make a formal complaint against American Express Bank and how they pulled on my credit 10 times since XX/XX/2016. In addition, I would like to a make a formal complaint against them when it comes to prematurely closing my account in XX/XX/XXXX and not allowing me to open another one. 
You see, I open up a certificate of deposit with them in XX/XX/2016 and it took several weeks to get open. However, I could never upload money to my certificate of deposit due to issues with their system. Then American Express Bank decided to close my account without reason and did not allow me to get another one. Recently, I found out from Credit report that American Express Bank pulled on my credit several times.
Product: Money transfer, virtual currency, or money service

I was trying to send my friend money to cover my portion of a trip but sent it to the wrong party I later requested it back when I realized it was the wrong party but was ignored. I sent a total of {$180.00}. I sent this money via Zelle. I attempted to reach out to Zelle and they told me theyd further be investigating to return my funds but never followed up. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

on XX/XX/XXXX, I had sent out a Debt Validation letter to MRS BPO , LLC, for the alleged debt of {$360.00} with XXXX XXXX, it was delivered on XX/XX/XXXX and I did not receive a response to that letter. I don't think I need to tell you that Failing to Respond to a Debt Validation Letter is a direct violation of the FDCPA. You can not collect on a debt that has not been properly and legally validated and it can cost you {$1000.00} for the violation.
Product: Debt collection

This disregard for the law, specifically the Fair Credit Reporting Act ( FCRA ), which mandates investigation of disputed information, is unacceptable. I am writing to express my extreme dissatisfaction with your company 's failure to address the inaccurate information on my personal credit profile, particularly concerning the account : XXXX - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under XXXX, EXPERIAN and XXXX XXXX XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2018 RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX Miscellaneous and public recordXXXX XXXX, MD XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX   Miscellaneous and public recordXXXX XXXX, MD XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX
Product: Credit card

Hey i have a big problem with Fortiva, i had a tooth problem last year and i went to XXXX because i needed two teeth pulled. They did a check up and said that i needed all these things done and that it will cost $ XXXX+.They checked to see if i qualified for assistance but once i thought about my bills and living expenses i told XXXX dental i could n't afford the monthly payments to pay back the money even if i qualified for a {$3000.00} dollar loan. So i told them to cancel everything.Next thing i know Im being billed like i used the {$3000.00} credit card. On my credit it says i had a high credit balance of {$850.00}. With one 30 day late and one 60 day late and i never would of known none of this if it was n't for Cure XXXX who have been my credit repair savoir 's. My Credit should n't have to suffer because i could n't afford the outrageous $ XXXX debt i would of been in when all i needed was two teeth pulled.This situation is affecting my life and my credit in so many ways, i didnt use any services from XXXX i ended up going to XXXX for my teeth exractions. Please look into this because it has destroyed my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Received unemployment payment on a debit card issued by the state of Georgia ( Way2Go Card ) even though when i filed my unemployment claim, i requested direct deposit. Received card and need to pay bills. Opted to use Way2Go bill pay services ( GO program bill pay ) to pay my XXXX  Visa Credit card. I selected XXXX MC/Visa and input my credit card account number. Received confirmation and with in few days, it was posted on the Way2Go app but not visible by my credit card bank. I called XXXX and confirmed that they did not see any pending payments. So It's confirmed that the payment was removed from my account but did not go to the proper recipient. I attempted to call Way2Go to attempt to resolve this and have the funds returned but they said they file a case and it will take anywhere from 45 - 90 days. This is a nightmare. That's a lot of money gone and the service I used that ultimately made the mistake is not remedying this appropriately.
Product: Credit reporting or other personal consumer reports

As referenced in XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items. 
Please conduct a comprehensive investigation and update my credit report accordingly. I expect a written response within 30 days, as stipulated by the Fair Credit Reporting Act.
Product: Debt collection

To Whom It May Concern, I am writing to demand the immediate removal of the alleged debts associated with Account # XXXX and Account # XXXX from my credit report. I have no knowledge of these accounts, nor any business relationship with LVNV fundings LLC or any creditor linked to these alleged debts. 
I previously contacted your office and requested full validation of these debts, yet you have utterly failed to provide the required documentation. Your lack of response constitutes a direct violation of my rights under the Fair Debt Collection Practices Act. Specifically, I demanded the following : 1. The original signed contract that created the alleged debt, including all terms and conditions. 
2. Full proof of the chain of ownership of these debts, with clear documentation of each assignment. 
3. Lawful evidence of any interest or fees added to the accounts, as required by the original agreement. 
4. Proof that you sent the legally required notices prior to reporting this debt to any credit reporting agency. 
Since you have completely disregarded my request for validation and failed to provide any legitimate documentation, I demand that you immediately and permanently remove these accounts from my credit report. Do not attempt to report these debts again under any circumstances. 
Failure to comply with this demand will leave me no choice but to pursue all available legal remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and taking legal action for violations of the Fair Debt Collection Practices Act. FTC XXXX XXXX XXXX XXXX makes it clear that its debt parking. Without proper notice is a violation of consumers rights. 
This is your final notice. I expect immediate written confirmation that these accounts have been completely removed. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with the three major credit bureaus XXXX, XXXX, and Transunion. These agencies have been reporting erroneous information on my credit report. I have tried time and time again to rectify these issues with the credit bureaus. They have stopped responding to my letters and have been continuously reporting this incorrect information on my credit report. Firstly they have been reporting a payment history of charge offs! That is incorrect how can a credit history contain only charge off and nothing else? Theyre reporting charge off accounts also as a collection and charge off! they have also been reporting charge off and collection accounts as open instead of closed! Under consumer law charge offs are considered income that must be filed on my federal taxes and not debt! Theyre reporting this as debt which is incorrect under these consumer laws! They have also been reporting inconsistent information across all three bureaus, according to the FCRA all credit bureaus must report identical information! Theyre all in violation of the FCRA XXXX
Product: Credit reporting or other personal consumer reports

I have opted out with XXXX XXXXXXXX and request to stop sharing my nonpublic personal information. my cfpb complaint number is XXXX.
Product: Credit reporting or other personal consumer reports

I disputed this case XXXX. The company took it off my credit and it was fine. This past week they have now added it back onto my credit with a different amount as owed. I have had no new reason for anything to be added to all of my credit and this is the same company and they will not even give me a case number or anything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries occurred without my approval. Ive been the victim of identity theft and I dont recognize any of these inquiries/companies on my report. 
1. XXXX XXXX XXXX XXXX : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
2. XXXX XXXX XXXX : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
3. XXXX XXXX ( XXXX ) XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
4. Barclays Bank Delware ( Bank ) XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
5. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
6. XXXX XXXX XXXX XXXXXX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
7. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted American Express about my green card account as my annual membership fee was due in the amount of XXXX USD. I debated whether I was receiving value for my money so called to find out if they'd waive or reduce the fee. I spoke to 2 individuals and I was told that no, no reduction or waiver could be offered. I then asked how many days I had to make up my mind so as not to incur the fee. I was told until the XX/XX/XXXX. I called back before that and closed the account, transferred my membership miles to another account. I kept receiving notices that my membership fee was due and called American Express on XX/XX/2020 and was informed that I had not closed the account before the date indicated and despite my account no longer being open I would still have to pay the annual fee. Why would I have not closed it by the deadline and incur the fee which I was not wishing to pay before closing the account? So American Express said it would review the recordings of my call and notify me. To this date, I have heard nothing and am still being billed the membership fee for a card I will not use and an account which is closed. Not sure how they think that I'd close the account late to incur the fee which I was not willing to pay prior to closing. It is nonsensical. I had this card about 30 years and thought I was a valued customer.
Product: Student loan

I borrowed  XXXX  dollars and because I could n't get income based repayment options for it inahd to keep deferring the loans. causing the loan to grow to over 90k. Now I finally got the loans consolidated or so I thought then they denied me for income based repayment without a reason. So basically I 'm screwed owing   XXXX   and I should only o  we  XXXX
Product: Credit reporting or other personal consumer reports

INACCURACIES LISTED BELOW XXXX XXXX XXXX  AMOUNT XXXX ] EOSCAR CODE ( XXXX ) METRO 2 CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX ] EOSCAR CODE ( XXXX ) METRO 2 CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AMOUNT ] EOCSAR CODE ( XXXX ) MERTO2 CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AMOUNT XXXX EOSCAR XXXX XXXX XXXX ) METRO 2 CODE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT XXXX ] E OSCAR CODE ( XXXX ) METRO 2 CODE ( XXXX  ) ( XXXX ) XXXX XXXX XXXX XXXX AMOUNT XXXX ] ( XXXX ) METRO2 CODE ( XXXX  ) ( XXXX  ) I Hereby requesting that you immediately block this information from my credit report, as it is the result of identity theft, pursuant to section 605b of the fair credit reporting act and metro 2 compliance please send the required notifications to all furnisher of information regarding the blocking of this XXXX
Product: Debt collection

On or about XX/XX/2022, I pulled my XXXX reports and discovered a negative reporting account on all three credit bureaus. The account with NCB Management Services is being reported as a collection account, and this is hurting my credit score. I have made numerous efforts to locate and contact this company for validation of this debt. I have requested proof of this account and any contract documents signed by me, and I have not received one response. I have requested the amount of the alleged debt, the full name and mailing address of the original creditor for this alleged debt, documentation showing that the company is licensed to collect debts in Texas. THIS IS HURTING ME AND MY ABILITY TO PURCHASE A HOME. This item needs to be immediately removed from all credit reporting.
Product: Student loan

After numerous attempts, Suntrust and its assigns, XXXX, XXXX, continue to report a charge off on a student loan that was refunded in FULL. I have obtained supporting documents from the university that express without doubt that Suntrust is erroneously reporting a charge off to the credit bureaus, XXXX, XXXX & XXXX. I am requesting that any and all reference to this account be removed. Please see attachment.
Product: Checking or savings account

I purchased 4 {$2500.00} CD 's from MBNA XXXX XXXX back in XX/XX/XXXX. The bank was subsequently sold to XXXX XXXX XXXX XXXX. When I tried to redeem my certificates of deposit they were unable to locate the certificates. I have contacted all parties to recover my funds however ; no one seems to be able to help because of the time lapse from XX/XX/XXXX when they matured. I have the certificates with account information in my possession. I feel that I was protected when i purchased the CD 's through the FDIC. It is my understanding now that once the bank was sold to another bank that that bank may not be covered under the FDIC. The CD 's are MBNA Platinum Plus CD. I am out over {$10000.00}. I have also searched all states for abandoned property. 

Very concerned, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a cease and desist to CHEX SYSTEMS which also included debt validation of accounts listed which were XXXX XXXX and XXXX XXXX. I received results from XXXX XXXX but no information in regard to XXXXXXXX XXXX. The closure status is UNPAID but an amount is not listed. Chex Systems received my letter on XXXX and failed to provide a competent investigation. Please remove XXXX XXXX immediately from my consumer report and send an updated file.