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

EXPERIAN : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$4000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Product: Mortgage

This is a follow-up to a complaint I filed through your site against Ocwen for failing to provide me with the stock certificate and proprietary lease upon completion of my mortgage loan payments effected XX/XX/XXXX. 
On XXXX XXXX, XXXX, Ocwen, after trying to reach them several times, and after posting the complaint through your site, responded that they needed 30 days to obtain the stock certificate from third party trustees. However, 30 days are over today and I still have not received the promised document - stock certificate and proprietary lease. 
Instead, Ocwen sent me an e-mail with duplicate documents provided before ; i.e. pooling agreement between XXXX XXXX and XXXX XXXX XXXX XXXX. I responded indicating that such document was ( 1 ) dated prior to the Co-Op Conversion XXXX XXXX ( 2 ) signed by the sponsor who no longer has any authority over the Co-Op ( 3 ) document does n't list the Co-Op XXXX XXXX XXXX XXXX XXXX as part of the service transfer request to XXXX XXXX XXXX XXXX ( 4 ) When I purchased the apartment, I obtained financing through XXXX XXXX XXXX not XXXX XXXX XXXX XXXX. 
Based on the above, I find the pooling agreement forwarded by Ocwen, invalid. 
The current management company for XXXX XXXX XXXX XXXX XXXX is XXXX XXXX not XXXX. As mentioned before, XXXX was the Sponsor who no longer has any interest in the building and was supposed to relinquish any authority 5 years after the Co-Op conversion any way. 
Ocwen also stated that they did n't have a need to file for a XXXX continuation because the previous one had already expired. My understanding is that XXXX serves as the financial institution 's collateral of an outstanding debt. What was Ocwen 's collateral in this case. I know the loan is now paid off ; however, it is important to me to understand the reasons behind the non-filing of this document as there seem to be third parties involved on my property interest who I do n't think they should be and which I was n't aware of.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

In XXXX I contacted a ticket agency but they provided a non function ticket and charged my CapitalOne credit card for {$1200.00}, we contacted them back they promised a refund and asked for another credit card XXXX XXXX they charged {$1000.00}. 0n the XXXX XXXX. But even that thicket was non functioning and also no credit on any was issued by the merchant, So we contacted bot credit card company. XXXX XXXX  immediately issued a refund. But CapitalOne only issued a temporary one pending further notice. We never received a notice and noted they in a month returned the charge to our credit card. We contacted the CapitalOne and they reissued the credit pending for " evidence '', so multiple exhibits were provided with explanation and sent to them within the time frame in XXXX. In XXXX they informed us they received it passed 60 days and refused refunding the card and decided to stay with the side of a fraudulent merchant. I called them and told them data was sent but they refused refund and told us to go back to contact the fraudulent ticket agents.
Product: Debt collection

XX/XX/XXXX I submitted a debt validation letter to PRA regarding a debt that is showing up on my credit report. 

XX/XX/XXXX I requested a copy of a bill ( none of the information that I requested was sent to me ). 

XX/XX/XXXX I resent my request for validation on the debt. 

XX/XX/XXXX I received a letter stating that they would not be responding to anymore of my letters. 

PRA Group has failed to follow the guidelines listed in the FDCPA, FCRA and the Georgia XXXX. They are NOT licensed to do business in the state of GA!
Product: Credit reporting or other personal consumer reports

In XXXX with the fair credit Report XXXX act XXXX Account # XXXX, has violated my rights. XXXX XXXX Following For You 15 USC 1681 Section 602 States I have the right to privacy.

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

15 U.S. Code 1681a - Definitions ; rules of construction Exclusions.-Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

I didn't receive enough information to validate MEDICAL DEBT. 

Date : XXXX XXXX Sent Debt Validation Letters for account numbers XXXX ( XXXX, XXXX And XXXX ) Sent letters to Ability Recovery Services LLC ; XXXX XXXX XXXX XXXX XXXX PA XXXX Date : XX/XX/2022 Response : Ability Recovery Services llc has sent back documents containing only charges, no other acceptable documents providing validation of debt. 

I requested the follow A thorough breakdown of all alleged charges. 
Dates of alleged services rendered. 
List of services/procedures performed. 
Provide a copy of my signature from the provider showing my request to release information to them. 

They send me the following attached documents. They have not provided me with the thorough breakdown of all alleged charges, provided me a copy of my signature from the provider showing my request to release information to them etc..
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed this account with all three bureaus with no resolution when bureau states, the account is only a XXXX month term payment of {$120.00} with a total balance of XXXX from opening to close this is false I got a response saying that it has been corrected with no update I asked for it to be removed. I would like it to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In approximately XX/XX/XXXX I secured an installment loan with XXXX XXXX  to purchase a mattress. the loan was paid off in XXXX. 
I was advised be Experian that in XX/XX/XXXX XXXX mailed a credit card to XXXX XXXX .XXXX  XXXX XXXX XXXX , CA XXXX. Approximately {$6300.00} in fraudulent charges were made on this card. After many phone calls to them, XXXX  sent me a letter dated XX/XX/XXXX stating " The XXXX XXXX  Fraud Solutions team has reviewed your claim and confirmed your XXXX XXXX  account was used without your consent '' And also " You didn't make these purchases and because you have {$0.00} Fraud Liability ... you are not responsible for them '' However, on XX/XX/XXXX XXXX  reported to XXXX that the matter was under investigations " with possible negative negative impact to my credit score ''. 
IT IS MY OPINION THAT XXXX  KNOWS WHO THE ALLEGED FRAUDULENT PERSON IS. Prior to all the above, in XXXX of XXXX, XXXX, on behalf of its customer XXXX XXXX XXXX, tried to transfer {$4500.00} out of my XXXX XXXX checking account. Per XXXX, one of the addresses listed for XXXX XXXX XXXX was the same address that XXXX had mailed the credit card to, being XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Product: Debt collection

This collection account just appeared on my credit report. I have no knowledge of any debt and I have never been contacted regarding a debt. This is an attempt to collect a debt not owed.
Product: Debt collection

XXXXXXXX XXXX,2023 {$260.00} not licensed to collect debt in Florida
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO EXPERIAN, XXXX, & XXXX XXXX THAT PER THE FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE. I have never done business with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, nor have I signed any contracts with these companies. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX to delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus Experian XXXX XXXX, and XXXX directing them to REMOVE these erroneous entry as well.
Product: Credit card

Charged off account on XX/XX/2018 they still have not sent or filed the 1099-c form I call they put me on hold then transfer me rings for XXXX ends call this is still being reported on my consumer report as income I am giving 10 days for XXXX department store to make an offer to cure and satisfy my damages personally I have suffered due to this fcra fcc bbb require I receive I believe within XXXX days then1099 c form or it be filed it has not XXXX! years going
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXXXXXX 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
Product: Checking or savings account

My account was closed in 2018 due to overdrafts and when trying to pay the completely closed me out
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Agency Act XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States that 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 consent
Product: Debt collection

I have been getting harassing calls along with Letter via Mail from XXXX, XXXX, XXXX XXXX attorney at XXXX, since XX/XX/2020, constantly calling my phone before XXXX, past XXXX as well as weekends excessive number of calls, theyve even gone as far as reaching out to my employer before I was terminated. 
I called back on XXXX to speak with someone at this office to find out what was going on to not only be insulted but, threatened hung up on and sent several subpoenas, saying that I owe a company by the name of XXXX XXXX XXXX XXXX XXXX ) with lots of different $ $ $ $ amounts owed, not to mention I have no knowledge of who or what this company/ organization is, Ive never heard of them. 
I tried reaching out to them several times after this incident requesting that they submit proof of these accusations theyre making, and their response was NO they are not allowed to disclose any information related to this as they were sold my information from what they claim was a past credit card I owed, which is not accurate. They proceeded to ask me for my personal information, such as an address they have on file and the phone number in which they called and asking for my D.O.B and S.S.N. I explained to them that I didnt feel comfortable giving my personal information especially when I had no idea who they were and with the number of scammers and hackers out in the world, I was not going to disclose my personal information with them, the person on the other end of that call was very rude and obnoxious. 
I am still dealing with the calls from this company as well the harassment and the rude representatives Today.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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

Recently Aargon placed a collection account on my credit reports that I 'm not responsible for due t the fact that I was a victim of identity theft. I have filed a police report and disputed the account with the credit bureaus but Aargon verified it to the bureaus as mine. I am reporting this complaint because I 'm suffering damages because of this unfortunate incident. I feel as if Aargon refuses to reason with me to have this account removed from my credit reports with my statement and official police report.
Product: Credit reporting or other personal consumer reports

My credit report shows that my XXXX home was in my bankruptcy. That was in XXXX. I was still making payments until the last month of XXXX when my daughter had XXXX and I was getting divorced. I'm sending papers to show I was up to date in XXXXXXXX XXXX XXXX Then they took my home and had it for sale for XXXX and I never got a dime back and was evicted. I barely owed anything on there and they did that when it was XXXX XXXX XXXXXXXX and now they are messing up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit pull being shown on XXXX that was not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX my name is XXXX XXXX very proud to be XXXX XXXX and very proud to be XXXX  Dad I got custody of my kids I felt that bank of america is bias and discriminatory toward me I don't have students loan or mortgage loan due to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was financially struggling and since I being XXXX XXXX bank of america I only gave XXXX credit card of XXXX and I took the loan balance assist and I was late XXXX payments due to being sick with XXXX XXXX. I felt that the bank being bias and predijuce and is hard being approved or trying to get aplace to rent my score of XXXX which is not fair I
Product: Credit reporting, credit repair services, or other personal consumer reports

I just understand how my scores went from 840s to the 770s with NO ACTIVITY on my reports??????? I have attached all 3 scores and the only Debt I have in my credit report should only be my school loan. $ XXXX range balance. I am very clueless and I need an explanation from each of the Creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed are three different complaints to all 3 major credit bureaus XXXX TRANSUNION, and XXXX. Advising them that I a am a victim of Identity thief and that i have filed complaints with the proper authorities, enclosed is a copy of the disputes and the identity theft victims complaint affidavits,. I am request that all accounts that have been reported be deleted. The following accounts and inquiries are a fraud .... 

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 XXXXXXXX There are over 31 fraudulent inquiries on my credit report that must be deleted.

In accordance with the FAIR CREDIT REPORTING ACT the following accounts and inquiries have violated my rights based on 15 U.S.C. 1681 SECTION 602 a. STATES I HAVE THE RIGHT TO P [ RIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 STATES A CONSUMERREPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

I have not authorized nor given any written instructions to have any one furnish these accounts on my behave.
Product: Credit reporting or other personal consumer reports

This is my follow up request regarding my previous complaints dated XXXX XXXX regarding the disputed items in XXXX  files. I understand that your schedule maybe busy, and I appreciate your time and attention to this matter. As of today, I have-not received a response or XXXX  updates on the status of my disputed items. I recognize that unforeseen circumstances may arise, and I am certainly understanding of that. However, to ensure we are on track and to address any potential concerns promptly, I am reaching out for an update. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX  Balance : {$7200.00} XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX XXXX Balance : - Date XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I joined XXXX and received a FicoScoreXXXX credit report. At that time, I discovered a collection reporting from Receivable Recovery Services. This was my first knowledge of this alleged debt as I did not receive any prior correspondence from this company. This company refuses to fully validate this alleged debt ( see attached correspondence ). I have never in my life been XXXX. I divorced and later remarried in XX/XX/XXXX. My current husband has not been XXXX during the entire time he has lived in Louisiana. Although this debt is disputed, as of XX/XX/XXXX this company continues to report this collection activity ( see attached ).
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I contacted Citi and opened up a Secured Credit Card for {$1000.00} to rebuild my credit back up after suffering thru some hard times. On or AboutXX/XX/2019 there was a problem and my credit card was blocked. I contacted Citi and was transfered to the fraud department. Citi for some strange unknown reason can not verify my identity altho i have given them what they ask for. They can not or will not use my cell phone number to send the so called text message for security purposes and after a few calls i was told they would send me a letter with a validation code after waiting for 3 weeks said letter never came. I even asked if i could at least make a payment since my normal due date has come and gone and was refused this simple request! Ive never had this issue happen to me before even with my own normal bank, sadly they dont offer secured  credit cards at the moment or else i would have obtained one thru them instead of Citi
Product: Debt collection

IC System sent me a letter dated XX/XX/XXXX stating they were a collection agency and that I owed {$110.00}. I responded in writing on XX/XX/XXXX that I was disputing this dept and would like verification of the debt or a copy of the judgement. I then received a letter on XX/XX/XXXX stating that my debt was now {$230.00} due additional charges being incurred. I have no idea who I owe this money too and have not received a verification of this debt nor do I know what additional expenses have occurred to increase this debt.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

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