23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My debt was given to Southern Management Systems to collect for a debt from XXXX ( appeared on my credit in XXXX ). I never received any written communication stating my right to dispute. I never so much as got a phone call. The first time I learned about the debt was when I applied for an auto loan ( in XXXX ). I had to call them to receive any sort of information regarding my debt. Keep in mind that this debt was for a college housing lease, not a credit card or anything like that. When I finally spoke to someone, the guy that I spoke with said I could pay the debt in one lump sum or get lost. He was rude.
Product: Credit card or prepaid card

On XXXX my deposit of XXXX dollars went onto my card I have been sending them things they asked for since then of my social address license everything they have asked for Im a single mom and this is ridiculous now they are saying I wont get my money
Product: Credit card or prepaid card

On XXXX XXXX my wallet was lost/stolen while in XXXX ( I live in XXXX ). My credit and debit cards were fraudulently used in XXXX XXXX and XXXX. I asked my banks, Chase and XXXX XXXX XXXX, to make ALL my credit and debit card purchases require a PIN. They said they do chip and signature only. Cashiers do n't ever look at the signatures. At XXXX though thieves could n't use my XXXX because it requires a PIN for all transactions. But, then they used a different Visa card and got away with the purchase. 
If a PIN was required, no purchases in a store could have been made and any purchases online could have been stopped before shipping. 
I do n't understand why this is n't standard. I know I 'm not 'officially ' out any money but the banks and the merchants are and those costs are passed on to the consumer. 
I want to be protected against fraud and have no means to protect myself because the banks wo n't honor my request.
Product: Debt collection

Collection agency redated debt and stated they are the original creditor when they are not.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unidentified account appearing on my Experian credit report. This account lacks crucial information, including the account number, inconsistent payment history, and date of last payment, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ). The account lacks essential identifying information, making it impossible for me to verify its accuracy or legitimacy. Experian is the only credit bureau reporting this account XXXX XXXX XXXX XXXX. The account is 7 years old and is due to be removed this month. As per FCRA regulations, credit reporting agencies are required to provide accurate and complete information on consumer credit reports. Therefore, I request the immediate removal of this unidentified account from my Experian credit report. A copy of my credit report highlighting the unidentified account ( attached ). If the account is not removed, I will be forced to pursue further action, which may include pursuing legal options.
Product: Credit reporting or other personal consumer reports

I have tried multiple times for several years to contact TransUnion in regards to my account with XXXX. It is listed on my credit report twice with XXXX names. One says XXXXXXXX XXXX and one says XXXX. They both have the same exact information. Account opening date, highest balance, closed date, etc. They have refused to remove one of them from my report. This has affected me getting approved for loans over the years and I would like one of them removed or I will take further action. If you could please assist I would appreciate it.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CMRE FINANCIAL SERVICES Reported : XXXX XXXX, XXXX {$380.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CMRE FINANCIAL SERVICES  Reported : XXXX XXXX, XXXX {$380.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection  proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted experian to let them know a charged off/collection account reporting incorrectly on my credit report. I have settled the account with XXXX cardmember service XX/XX/2020 and they are reporting not as settled but that I'm making payments to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting false information regarding my address and the year of my car loan which is causing me to have issues upon verifying with a creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX of 2019, i filed a dispute to the 3 credit bureaus ( XXXX, Equifax and XXXX  ) about XXXX XXXX  XXXX  ( Debt Collection agency ) to verify that this debt of a {$380.00} medical debt belongs to me by providing me with documentations that has my signature showing contractual agreement or remove from my credit report immediately! i also asked that directly to XXXX XXXX for validation in XXXX of 2019 without violating my Hipaa rights and they did not respond. XXXX  on XX/XX/2019 was not able to verify and remove the account from my report but XXXX  and Equifax claimed to investigate and responded the the account was accurate and verified. how is this possible without violating my Hipaa Rights and not showing me proof of validation and how is it that XXXX XXXX  sent the 2 collection agencies proof and not me when i submitted a request for verification??? I have disputed the account for nearly 12 months now and still they show me no documents and method of their investigation. so now Im asking C.F.P.B to step in and help!
Product: Credit reporting

Midland Funding continues to report an account that was previously removed from my credit report in XXXX. I have sent certified letters that have been ignored/returned to sender ( see attached copy ) and have no other way of contacting Midland. They ignore my letters and are not cooperating in investigating this issue. This is false reporting/inaccurate reporting and they need to remove it. My next step is small claims court. My current Credit Report, which was pulled today lists the following under XXXX and XXXX : MIDLAND FUNDING LLC {$570.00} {$0.00} XXXX account reported on XXXX XXXX, XXXX XXXX accounts reported on XXXX XXXX, XXXX Open Account # 1 {$570.00} Balance XXXX XXXX Original Creditor The same report shows this account closed on XXXX XXXX, XXXX, therefore Midland reopened a closed case, which is against FCRA requlations according to the FCRA website. 
MIDLAND FUNDING LLC XXXX XXXX, XXXX XXXX Please advise what my rights are as a consumer so I can get this taken off my credit reports. They continue to file false info after removing the same account. 
Thank you.
Product: Debt collection

I closed the account and left the country. I lived in XXXX for the next 5 years and come back to realise that i have debt.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX, Account # XXXX Account Name : XXXX XXXX, Account # XXXX 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 an 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: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Trans Union XXXX XXXX, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX 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 XXXXXXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. 
Therefore, I kindly petition that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX  # XXXX, has violated my rights. 

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 an account without my written instructions. I did not and do not give my written instructions for these accounts to be published.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following items of information such as adverse items of information, other than records of conventions 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

There is a HARD inquiry on my credit from XX/XX/2023 from XXXX that I KEEP trying to dispute. The credit company equifax is making this incredibly difficult to deal with. When I dispute there is NO OPTION TO ADD MY DOCUMENTATION. Then it says after submitting to send documentation to them but never provides ANY instruction on HOW!!!! How is this helpful for a consumer??? Not to mention I had to dispute the account that was fraudulently opened as a result of this inquiry. They had no issue removing the account, but the inquiry? Nope all of a sudden they have no clue what I am talking about. This is so predatory and against the consumer!!!! This was NOT AUTHORIZED. I HAVE A LETTER FROM THE COMPANY STATING THEY COULDNT CONFIRM I CONSENTED TO OPEN THE ACCOUNT OR CONFIRM IT was mine!! REMOVE THE INQUIRY IMMEDIATELY!!
Product: Mortgage

I attempted to assume an existing mortgage from Wells Fargo as a result of a divorce. I was denied this assumption based on factors that are unfair, unreasonable, arbitrary, and contradictory to usual and customary practices in the mortgage market. The reasons for my denial are de minimus in the context of my overall credit profile and in light of the realities of conditions in a post-covid world. 

I have attempted to find a path forward with the lender that satisfies both the lender 's objectives and preserves my existing loan, terms, and conditions, to include adding a qualified co-signer / guarantor to the loan. I have not made any progress in this regard. Thank you.
Product: Checking or savings account

I moved from the XXXX to live in XXXX with my XXXX wife on XX/XX/2022. We are buying a house here. I set up an online checking account with Wells Fargo because I needed a bank that uses XXXX XXXX for large transfers since my XXXX XXXX could not. I transferred {$65000.00} from XXXX to WF account. I had my wire transfer limit raised from {$5000.00} to {$75000.00} with a daily transfer limit of $ XXXX. I made the first $ XXXX to my wife 's XXXX bank without a problem. But the XXXX one for $ XXXX the next day was flagged for 'security reasons ' and locked. I called XXXX and referred to the 'fraud department '. After security checks they unlocked my account and I made the 2nd transfer again. But that one was flagged again. Later, they said it was because I used the wrong PW. But since I couldn't get in I tried a temporary PW which didn't work and tried both the old and the temp PW 's many times until I gave up. I called to get the account unlocked and was told " We can't resolve this over the phone. You will have to come into a local branch somewhere in the US to resolve this and prove your identity. If my online credentials used for signing up for the account are not enough what can I do. I have made over a dozen calls to different dept 's and spent HOURS on the phone trying to get help -- -including from the Compaint Resolution Team at XXXX. They told me to call XXXX to get help with resetting my PW but they referred me back to the fraud dept. And the circular pattern continued with everyone I talked to and was referred to. And when I tried to reset my password their system blocked me from completing that process. I need to have my account unlocked and my last 2 wires sent before XX/XX/XXXX or I lose my {$300.00} deposit on the house we were going to buy. And if I'm unable to get help reversing this holdup it will cost me considerable money, time and hassles to return to the XXXX and close my WF account and then go thru the emergengy covid measures required by the XXXX XXXX to return with a money order to put directly in my bank in XXXX. Please encourage WF to resolve this ASAP. It's been a horrible and very stressful experience dealing with their unhelpful reps who are unable to resolve a simple issue of correctly identifying a customer. I use " my voice is my passwork ' method.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries below are a result of Id theft and I notified Experian requested they block it under section 605b and they denied that and gave me a response that inquries are a factual record! There response is in violation of 605b.

1. XXXX XXXX 2. XXXX XXXX  3. XXXX/tXXXX XXXX XXXX 4. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letters regarding the inaccurate and unverified items on my credit to this date XX/XX/2021 I have yet to receive any response. I feel like I am being taken advantage of an being ignored about my disputes. Section 611A it is clearly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been well over 60 days I demand those items are removed from my credit report immediately. Or I will be forced to file for litigation due to the stress you have caused me my information was also impacted by the equifaxs data breach an may have gotten into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are making my credit in a very bad standing. The accounts listed below aren't not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand what is going on? Please help me! 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 11 XXXX   XXXX 12 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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