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

I am filing this dispute against EXPERIAN for unfair and inaccurate credit reporting for an unvalidated All In FCU Charge Off/Other Derogatory account. I have made four attempts to resolve the matter with All In FCU and Experian. I have disputed this account without any action which is a violation of The Fair Credit Reporting Act. Charge Off definition based on Experian : A charge-off is an entry on your credit report that indicates a creditor, after trying and failing to get you to make good on a debt, has given up hope of getting payment and closed your account. Per the comments reflecting on my credit report : Unpaid balance reported as a loss by credit grantor. I requested a 1099 from All In CU by certified mail and did not receive a response. I called to follow up and spoke to XXXX XXXX and was informed I would not receive a 1099. I am disputing payment history. This account date open is XX/XX/XXXX. That requires 5 years of payment history. This account is missing 37 months of that is required to make this account accurate and complete. Based on payment history is account does not reflect any payment history reporting from XXXX XXXX. Based on the reporting of this account it must be deleted based on FCRA Section 623 Responsibility of the furnisher of information to the Consumer Credit Reporting Agency Please delete the account the creditor is not reporting accurately on this account. The account is currently reflecting inaccurately each month to date as CO/Late payment and the account has been closed since XXXX. According to FCRA Section 623 the clause states that it is illegal for a closed/charge off account to report after the close date. Delinquent payments can only reflect on an open account. The account is a charge off and should not be reporting late and severely affecting my credit. This is inaccurate information and I demand the charge off to be deleted immediately from my credit report. The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. They need to be held of violation of the consumer 's law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS REPORTING A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX ) ON MY CREDIT FILE XXXX HAS BEEN TOLD THAT THIS ACCOUNT IS FRAUD. EXPERIAN ALSO HAS A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX )
Product: Debt collection

This is regarding a {$250.00} payday loan I took out a long time ago from XXXX XXXX XXXX back in 2014. Totally forgot about it and this collection agency just recently got aggressive with me. 

I recently lost my job. Just before I did get fired, I was speaking to XXXX XXXX, a debt collector from an agency called VeriCred Solution and I had an idea/plan to make the arrangement. I also asked them to grant my brother-in-law 's request to stop calling him as he was my listed reference at the time. XXXX said ofcourse and let me know he was removed. We were supposed to talk at the end of the week but unfortunately I lost my job. I felt like the world came crashing down on me. Ever since, they became very aggressive in collecting that debt from 2014 payday loan that I owed. They already spoke to my brother-in-law and a week ago I asked to grant his request to be removed from their system which XXXX XXXX agreed to. However, they called him AGAIN!!! I called XXXX to let her know my situation. XXXX XXXX was very rude. And when I asked what happened to the request of my reference to be removed, she blamed it on their system. I was working in the XXXX using similar account/info system. It does not take a week to delete a reference on a customer 's account. I know the laws in California and you're only to make contact once and NOT supposed to leave a message. As it turns out, my brother in law and I are no longer in speaking terms. Please educate this agency.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XX/XX/2022 spoke with XXXX ( id XXXX ), XXXX XXXX id XXXX ), XXXX XXXX id XXXX ), XXXX ( id XXXX ), all stated to be supervisors and where all unfair and continued to violate my rights as a consumer. I was told to get help I would have to send a police report. I asked for the law or a policy to show I needed to do so. I demanded all accounts and inquiries be removed from my consumer report and file that I did not give consent to furnish.
Product: Credit reporting or other personal consumer reports

FTC report attached. I am a victim of identity theft. My personal information was stolen and compromised. Please delete and block this fradulent inquiry from XXXX XXXX XXXX on equifax credit report
Product: Credit card or prepaid card

On XXXX XXXX I was charged for XXXX 's for {$21.00}, XXXX 's for {$23.00} and {$17.00} for XXXX. I didn't authorize these purchases asked Chime to dispute the charges and their telling me that I authorize those purchases and they will not be refunding my money. Im on a fixed income and definitely in need of my money back. PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 there was a Counter Credit Deposit of {$8500.00} and on XX/XX/17 a Counter Credit Deposit of {$1800.00} that were not requested or authorized by myself but by my father XXXX XXXX without my permission .On XX/XX/17 There was a withdrawal of {$100.00} at BOA ATM in Washington DC , on XX/XX/17 Return Item Charge back of {$8500.00} and another ATM withdrawal of {$1000.00} at a BOA ATM in XXXX XXXX , MD, all of which I was not present for. During the time of these events I was a on campus student at XXXX XXXX XXXX but on my Bank of America acct I used my mother and fathers home address. I left personal info such as mail and birth certificate and social security at my fathers address because I did not deem it responsible to keep at a campus where other people would have access to my locker. At some point my debit card was left home when I visited for a weekend and My father utilized my personal information in order to have money sent to my account, one of which was a fraudulent check of {$8500.00} which caused my bank account to be closed. There has been fraud placed upon my name for actions I did not partake in and it now hinders me from applying for most credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute and remove late payments on 2 accounts that are not accurate since XX/XX/2021. Since none of the bureaus responded to me within the 30-45 days they're allotted, I sent a 2nd dispute to them on XX/XX/2021. I'm still waiting, well over the 45 days ; today is XX/XX/2021. This is not okay for a company to completely ignore a consumer the way the bureaus have ignored me!
Product: Credit reporting

Creditor ( XXXX XXXX ) was disputed two weeks and dispute was completed and report updated as of XXXX/XXXX/16. I was also advised by equifax management on XXXX/XXXX/16 that this information would be show in the correct status, and on XXXX/XXXX/2016 the information was not corrected to show included in chXXXX bk status and listed with other closed accounts on my credit. 

I have attached the now credit report showing this matter in dispute, as this should not be in dispute, the dispute was completed on XXXX/XXXX/16, and then placed back in the same status of ''collection unpaid ''. I have also attached the new credit report status, and the phone conversation between myself and an equifax 's credit management assuring me that this information had been entered correctly along with other applicable debtors that were placed back into an incorrect status. The other attachment is my XXXX showing XXXX XXXX as a creditor that was discharged in the chXXXX bk as of XXXX/XXXX/16 ( discharge order attached )
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a text message warning from Wells Fargo stating that my card had been declined at XXXX and to type Y if this charge is correct and N if the charge was not authorized. I typed N and was immediately called by an agent. The person verified my name and phone number, which is linked to my online account at Wells Fargo. The agent asked me to provide the credentials for my Wells Fargo XXXX account to prevent unauthorized XXXX transfers. Once the agent verified my information, they initiated a XXXX XXXX transactions, each for {$500.00}. The reason the person gave me was to reverse fraudulent XXXX transactions. The agent took {$3500.00} from my account. Simultaneously, my husband received the same text but was in a different city. He did not respond, but called Wells Fargo, who denied any fraud occurring on the account. Apparently the thieves knew our names, phone numbers and bank. My husband texted me while I was speaking to the imposter bank representative, who was also asking for my routing number, and I hung up the phone. I immediately called Wells Fargo and spoke to a representative that started a claim for me and attempted to transfer me to the Fraud department, however the wait time was over an hour. Although I was willing to wait, the representative said he was embarrassed of the wait time and advised me to call the fraud department early the next morning with the phone number he provided. I spoke to the fraud department on XX/XX/XXXX and the representative deemed the transaction authorized since the XXXX transfer had been sent to a XXXX Bank account with my name on that account. I have no association with the XXXX bank account and do not have a XXXX account with XXXX bank. The representative also claimed that the transactions were authorized however, I did not initiate or authorize the {$3500.00} XXXX transactions to the fraudulent XXXX bank account. The agent stated that they would conduct an investigation which would conclude in 10 days. Wells Fargo sent me a letter dated XX/XX/XXXX, stating that the XXXX transactions were authorized by me and were not fraudulent. Wells Fargo has closed the claim and has not returned the {$3500.00} stolen from my account. One of the letters I received from Wells Fargo also sited a transaction date of XX/XX/XXXX, which is incorrect. The letter from Wells Fargo also stated that the claim was transferred to the Claims Assistance Center and provided the departments phone number, XXXX. I called the provided number on XX/XX/XXXX, and the department had no record of my claim. The Claim Assistance department agent ultimately forwarded me to the Fraud department. I have made multiple attempts to resolve these unauthorized transactions with Wells Fargo, calling their fraud department on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX. Each time, waiting for over 30 minutes to speak to a representative. To prevent further fraud, I closed and reopened a Wells Fargo checking and online account. I am disappointed with Wells Fargos customer service and lack of effort in preventing this type of fraud.
Product: Money transfer, virtual currency, or money service

I wired some money to my Wise account from XXXX. Since I am of Russian extraction and visit XXXX on occasion, Wise said they needed to hold the transfer to investigate the transfer for sanctions compliance. They said it should take no more than XXXX business days. The transfer was made on XX/XX/XXXX. I have called multiple times asking for status, I have complained but the transfer is still frozen, the account and the cards are also frozen. Wise are saying they have started a complaint investigation which it will take them XXXX business days to complete but in the meantime they are not releasing my transfer. It looks like they are trying to get back at me for calling them and complaining by deliberately holding my transfer. 

I can not cancel the transfer either because they are saying they will hold on to the money anyway until their investigation is complete.
Product: Credit reporting

I submitted notarized letters on XXXX XXXX, 2016 and on XXXX XXXX, 2016 in regards to XXXX bankruptcy XXXX. As of XXXX XXXX, 2016 I contacted the original creditor they have listed as reporting the listing at XXXX and spoke with XXXX who informed me that they have not done any reporting whatsoever to ANY agencies to include the credit bureaus. This has led me to the conclusion that any previous correspondence informing me of an honest, thorough investigation was not only not completed, but the results were falsified. This is a major crime against me as a person and my consumer rights as well as my consumer rights. I intend to file suit if this bankruptcy listing as well as all accounts attached to said bankruptcy are not deleted from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. I visited Drivers Select of XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different companies, including those I  have never heard of. XXXX XXXX could have used the first inquire as it remains available in the system for 30 days. I was preapproved through XXXX XXXX and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exits. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX. {$18000.00}, XXXX XXXX. {$400.00}, XXXX XXXX. {$2100.00}, XXXX XXXX. {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following :. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account :. Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, Equifax or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
Product: Debt collection

This company Portfolio Recovery Services calls every day from XXXX to XXXX including on XXXX and XXXX. I have disputed this debt several times to no avail. They sent me information on this debt that I did not know about. The amount that they are saying I owe them is {$2000.00}. I have sent a letter asking them for a signed purchase contract with a wet signature stating that they had my permission to access my personal information and I have yet to receive it. I've lost my fiance ' and my daughter 8 months apart and this has proven to be very stressful. If I had any inkling that I owed this debt, I would have paid it by now. This company has been relentless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a FTC Report because there were fraudulant accounts on my report and nobody would help me get this resolved. Please remove these accounts.
Product: Prepaid card

I was given an AMEX XXXX Card for {$250.00} by my company as a holiday gift and it is declined from every single retailer that I have tried to use online. I called the customer support line at AMEX for this card and it was just a machine that was entirely unhelpful and they do not explain why the card is declined from all these common retailers. I was not even given the ability to speak to a human being to resolve this. 

I also checked online, and other customers are sharing this experience.
Product: Debt collection

I have been paying a debt on a student loan I cosigned for eight years ago. I was paying XXXX XXXX, then XXXX, who sold the debt to XXXX XXXX XXXX XXXX. I have been paying every month but the loan does not reduce. I asked on XX/XX/XXXX 2017 for XXXX XXXX XXXX to send me a copy of all payments made, both to XXXX and them. I asked because their website will not navigate you to your loan. I have no idea how much has been paid, etc. I also asked for a copy of the promissory note. When I call I have to leave a message for " XXXX ''. but my calls are never returned. I was told back in XX/XX/XXXX to pay XXXX XXXX and the loan would be forgiven. That 's when I started asking questions and now no one will talk to me. I have asked our bank to stop payment but I have to go through XXXX XXXX XXXX. I feel we have more than paid the loan off and are being strung along. Our attorney suggested reaching out again, but they do not respond. he suggested filing this complaint. I would like answers and paperwork before I go back to our attorney and file charges.
Product: Debt collection

I had problems with identity theft a few months ago, this account is being reported to my credit report they claim that it is mine but it is not the result of uses of my documents via fraud I need help to solve this problem because it affects my credit. 



Name company : XXXX XXXX FKA XXXX Account number : # XXXX