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

Today XX/XX/XXXX, I pulled a free credit report from TransUnion and found multiple " Promotional Inquires '' from a company called XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never requested these and this is being done without my permission. When XXXX  the company at the XXXX location, it is clear to see that I am not the only person getting my credit " spammed '' by this company. 
Here are the " XXXX XXXX '' that show on my credit report. 
XXXX XXXX XXXX XXXX, XXXX, CA shows one inquiry on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA shows six : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I called today to ask them to stop making inquires on my credit. They said that someone would get back to me. But from the XXXX reviews, that is also what they usually say to those who ask them to stop.
Product: Debt collection

All my credit report with 2 of 3 credit bureaus said was it was with someplace in Deleware called XXXX XXXX XXXX Original Creditor Contact Info ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA My ex-husband is named XXXX, & my name is spelled XXXX with a middle initial as " XXXX ''. He was found guilty of opening dozens of accounts, even bank accounts, back in XXXX. He did the same to his own father because they have the exact SAME names. 

I have tried to explain that I have never had any type of credit card, in my name, in my entire life. 
But, after this XXXX BANK wrote off the amount, which it stated he was given an {$800.00} credit limit, a collection agency purchased the debt and although I disputed it twice, they refuse to remove it from my XXXX or XXXX accounts. He opened 2 other creit cards practically at the very same time, and all this occurred back in XXXX is what I noticed, the 2 other credit card accounts were written off and do not show on any of my reports any longer.

My ex-husband has over 16 accounts that are in collections, with 2 in the same name as this one the collection agency is blaming me for. 
I can not help that my name is spelled oddly, and it is not my fault that he feels entitle to ruin my FICO scores, but SOMEONE MUST follow the paper trail, and see that it is NOT MY CREDIT CARD and I don't apply for them ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am emotionally frustrated and disappointed to lodge this formal complaint against the credit reporting agency. Despite my numerous disputes dated XX/XX/2023, XX/XX/2023, and XX/XX/2023, XXXX, Equifax, and XXXX have callously disregarded my previous requests. Their failure to uphold reasonable procedures to ensure the utmost accuracy, as mandated by 15 U.S.C. 1681e ( b ), in the credit reports they publish is deeply disheartening.

According to 15 U.S. Code 1681i, it is clearly stated that XXXX, XXXX, and Equifax are obliged to conclude the investigation within 30 days from the date they received my dispute and provide a response. However, to my immense frustration, I have not received any response, nor have they taken the necessary steps to address the inaccuracies present in my credit report.
Product: Debt collection

This company has called my place employment two times. I have asked them in the past not to contact my employer. Today they contacted my employer again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having some a long term issue with Equifax. The issue I am having is they say they are updating my credit report, but they are n't. In fact, they always agree that I am correct, and they say they will update my credit report and fix it. Sadly, this is not true. They are not updating my credit report every single month. They make the update and then stop, FOREVER. I am being forced to manually dispute my report every single month in order to get any sort of updates attached to my credit report. I ca n't even get new accounts added. If I stop trying to have them update my credit report, I get denied for loans because well technically the data is too old.
Product: Debt collection

SCAM!!! 
A friend and I received a call from a " debt collector '' at XXXX. It was a recording that gave a callback number to pay the " debt '' and a woman 's name. I felt responsible to report them to warn other people and hopefully stop anyone from calling and becoming victim to it.
Product: Debt collection

On XX/XX/XXXX, I began receiving phone calls from Credence Resource Management. I do not answer calls from unknown sources. The phone showed " Credence Rsrc '' which I assumed was a polling call due to the XX/XX/XXXX GA runoff election. I ignored them until after the runoff. When I answered the first call, someone quickly mumbled something and then asked if I ever lived at an address in XXXX, TN. I replied no. They then asked for the last 4 digits of my SSN. I refused and hung up. On XX/XX/XXXX, Credence filed a Major Derogatory status to my credit. Both XXXX and XXXX alerted me. On that same day, I filed a Dispute Claim with XXXX and filed a fraud claim with all 3 credit bureaus. I also filed a Resolution Ticket with XXXX XXXX. 
On XX/XX/XXXX, Credence called me again and I answered. This time the agent clearly identified himself and asked the same question about ever living in XXXX, TN. When I replied no, he asked for the last 4 digits of my SSN. I again refused and I argued with him about having the wrong person and to remove the Major Derogatory claim on my credit. He transferred me to a supervisor who again asked for the last 4 of my SSN. I refused the request. I repeated that I was not the person who incurred the debt and to remove the claim on my credit. He advised me to email them. 
I engaged the services of an Attorney and she advised me that Credence should have sent me a notice of the debt. I received no such notice. My Attorney advised that I should file a claim against them with the CFPB. I am sending Credence a certified letter on XX/XX/XXXX requesting them to remove the Major Derogatory claim on my credit and immediately stop contacting me. 
The debit is for {$89.00} from XXXX XXXX XXXX XXXX. I have never done business with XXXX. I have never lived in XXXX, TN. I did not incur this debt and will not pay it. I believe Credence did not perform due diligence to issue a notification, as required by law. I also believe they made minimal or no effort to find the correct person for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. It was already included in my prior complaint and I'm including them again. 

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

Experian is reporting incorrect XXXX of my name that I am not known by and that could lead to identity theft. I have already disputed the inaccurate names with Experian and have uploaded proof of my identity and legal spelling of my name. Despite this, Experian continues to verify and publicly report these inaccurate spellings of my name. The inaccurate XXXX of my name that need to be removed are : XXXX XXXX XXXX and XXXX XXXX. I have uploaded a copy of my driver 's license for reference to the correct spelling of my name.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was alerted via credit monitoring ( XXXX  ) that a XXXXXXXX XXXX XXXX XXXX  account was reported to my credit report with the name XXXX XXXX XXXX XXXX They are reporting an inaccurate address that I've never been associated with that is connected to the fraud claim : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. 

I HAVE A 7 YEAR FRAUD ALERT AND CREDIT FREEZE ON ALL 3 CREDIT REPORTS. THE INACCURATE NAME AND MULTIPLE ACCOUNTS BELONGING TO THAT NAME CONTINUE TO POPULATE ON MY CREDIT REPORTS. 

I have never been associated with that name. My credit file has been merged due to identity theft dating back to XXXX. My credit file has been in the Special Handling Department of XXXX as well as Transunion and XXXX due to accounts being reported to my credit report with account owners that have a similar name. 
The account is reporting a late payment also that has prevented me from moving and I am facing homelessness. I'VE NEVER HAD A XXXXXXXX XXXX XXXX XXXX  ACCOUNT. 

XXXX XXXX  customer service and supervisors have not aided in resolving this issue. I asked for a corporate contact to file a complaint and I was told that one does not exist.
Product: Mortgage

My dad passed away in XXXX 2021. SPS sent someone to my dads house on XXXX/XXXX/21, then XXXX/XXXX/21 to winterize it without approval or notice to me. While they were there they stole approximately {$4000.00} worth of my dads ( now mine and my brothers ) property. I called to let the company know, they simply told me to file a police report. There was no forced entry on the house so the only people who had access to the house is the mortgage company, which Im also not sure how they entered.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2011 Balance : {$12000.00}
Product: Mortgage

Select Port Folio is my mortgage company, I have submitted financials and request for mortgage modification several time over the past few years. 
SPS has n't assisted me with my modification request. I 've spoken with Client services several times. I 'm informed I 've been mailed correspondence regarding the modification and I have n't received any correspondence. 
I do receive the property foreclosure sale notices. Please assist me with obtaining obtaining a mortgage modification. Received foreclosure letters from attorney Per the statue Tennessee code annotated homeowner is suppose to receive proper notice 30 days prior to foreclosure. 
prior to foreclosure sale date.
Product: Credit card or prepaid card

In XXXX I settled a credit card account with Macy 's. The account was closed, however a duplicate of the account was also added to my credit report. The account has two separate account numbers, but the account ending in XXXX clearly states that it was previously closed or sold. In credit disputes in XXXX, XXXX and XXXX I have requested the duplicate accounts be removed from my reports. Each time the creditor reports to the credit bureaus that the information is correct and the disputes are closed. I sent letters to the credit in XXXX and XXXX requesting the deletion. On XX/XX/2021, I received a letter stating that their would be no change because the information is correct. I called after receiving that letter and I was told that the info was still under investigation because I had opened a new dispute with the bureaus. However, On XX/XX/2021 I received notification from the bureau that the dispute was closed and the information is correct. I called the creditor again and was told that they are only showing the one account in my name with my social and I should file an appeal. I was also informed that although I'm doing what's requested, I would probably would not get a deletion because " we don't do that ''.
Product: Credit card

An account was fraudulently opened using my information. I repeatedly asked Discover to remove the account from my name and credit reports, but they refused. I have added an updated report as documentation that includes a possible person who may have committed the fraud since the name used to open my account is not my legal first name but a nickname. They resided in my home from XXXX. The person had access to my property, such as mail, phone, computer, social security number, address, and other things that may have compromised my private information. However, my information is also on the dark web and involved in the XXXX breach, and XXXX and XXXX confirmed this. The information includes my name, address, social security number, phone number, email, and password. Due to this, I do not know whether it is a relative or a stranger who is behind this account. Discover is the only company that has yet to take care of this matter properly, fairly, and adequately. I hope neither my race nor ethnicity is the reason for the hurdles that have been presented.
Product: Credit reporting or other personal consumer reports

I reviewed my TransUnion credit report and noticed inquiries that are not mine and need to be deleted as a result of fraud pursuant to 15 USC 1681c-2. 

Attach : Please see Identity theft report attached.
Product: Debt collection

I have never done an ounce of business with this company and they put a collection on my credit report! 

I had a medical bill for {$140.00}. I tried to work with XXXX to resolve the billing issue but they never picked up their phone or responded to my letter. I was under the impression my insurance would be covering the bill. This got me no where IN THE MIDDLE OF A PANDEMIC. 

I applied for credit about a year later and was denied. This third party who I have never heard of put a collection account on my credit report. I paid the bill so they would take it off my credit report and I would work out the issue on my own with the insurance company. Instead, they left the account on my credit report. 

When I called the collection company, they told me they had called from a unknown number, didn't leave a voicemail, and they mailed me. I did not receive any of these calls or letters. They should have taken the insurance company to collections, not me. XXXX twisted my arm to pay a bill I do not owe by putting me in collections. If this item is not removed from my credit report, I will pursue further action. 

This item needs to be removed from my credit report immediately!
Product: Credit card or prepaid card

On XX/XX/2020 I entered into a contract between XXXX XXXX XXXX for {$4500.00}. The " custom '' closet was intended to be installed and completed on XX/XX/2020 -- it was not. I charged two charges for the amounts of {$450.00} and {$1800.00} on the Citi Shop Your Way Credit Card ending in XXXXThis amount was later disputed with Citi because the advertised services and products were not rendered per the contract. Citi initially applied a provisional credit on the account. Days after, XXXX XXXX XXXX charged {$2200.00} of which I did not authorize, nor is it a charge that both parties have entered an agreement on per the contract. I contacted Citi, a representative from the Fraud Department disputed the charge as fraud. On XX/XX/2020, I received response from Citi outlining that I has signed as if I was satisfied with the products and services, of which is not true. I asked Citi to review the documents while I was on the phone and maybe we can rectify any confusion, the representative was able to confirm with me that yes, I did not sign that I was satisfied with the products or services as the letter stated. I emailed a rebuttal to Citi and contacted them by phone illustrating the inconsistencies with their and the merchants assertion with documentary evidence on XX/XX/2020. During the weekend of XX/XX/2020, Citi moved the fraud charge to the account causing it to overdraft and applying a charge that I never authorized nor did I agree on with the merchant. A representative from Team 13 in Idaho said that the charge was not fraud. I conveyed to them that a report to the CFBP will be initiated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Stall Letters from Equifax Dear Sir/Madam, I am writing to formally file a complaint against Equifax regarding their handling of my recent dispute. I have received multiple stall letters from them, which I believe are tactics to delay the resolution of my issue. According to the Fair Credit Reporting Act, Equifax is required to complete their investigation within 30 days of receiving my original dispute. I mailed my dispute to Equifax LLC on XX/XX/2024. 

Despite this requirement, their letters suggest that they are not acting in good faith to resolve my dispute in a timely manner. 

I kindly request your assistance in addressing this matter and ensuring that Equifax fulfills its obligations under the law. I am happy to provide any further documentation or information needed to support my complaint. 

Thank you for your attention to this important issue. 

Sincerely,
Product: Debt collection

While trying to get the supporting documents that gives this company the right to report this debt to the credit bureaus like I was told from the first representative. During our conversation I was told that he would email over their document but first I had to open an investigation than after he would email it to me. However once he got information he claimed that he couldn't send the information because the item was under investigation and a different department has to handle it. I than asked to be transferred to a supervisor where I asked the same question and how long the process would take. The Supervisor than stated it would take however long they want take and that if I was not trying to pay the debt he was going to hang up because he has other customers waiting to pay them because me receiving that information was not important.
Product: Debt collection

I disputed this enhanced recovery corp account and did not get a proper dispute result. The validation letter I sent reads as such : I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it.
I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations.
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Please dispatch copies of the following with your reply : 1. The agreement which authorizes you to collect debt on the assumed debt.
2. The signed agreement from the debtor confirming to pay the debt.
3. The documents regarding the payments made on this account and validation of the amount.
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enhanced recovery corp failed to validate this account. This account need to be removed immediately. enhanced recovery corp is violating the laws. There are two accounts from Enhanced recovery corp on my credit that needs to be removed.
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify TransUnion and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX  XXXX, In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. XXXX  must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX  to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX  accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit card or prepaid card

Due to the Corvid19 I had contact Suntrust Bank to request to have my payments deferred, they allowed 60 days with no payments but the balance will accrued interest, I find that ridiculous with the issue that we are facing in our nation that they will keep charging interest, this will make my balance higher for something that's not the consumers fault, they will waive late fees but not interest.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

you and your account.

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.