23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 ; andi ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit back in XX/XX/XXXX and I found that I had 5 inquiries that I did not give them permission to check my credit .I contacted Transunion about this 4 times and they refuse to reinvestigate my issue and provide a signed contract. I ask them for the companies below : 1. XXXX XXXX XX/XX/XXXX 2. XXXX  XX/XX/XXXX 3.XXXX XXXX  XX/XX/XXXX 4, XXXX XXXX XX/XX/XXXX 5. XXXX/XXXX  XX/XX/XXXX
Product: Prepaid card

My daughter was given Card XXXX XXXXXXXX XXXX XXXX XXXX for XXXXXXXX XXXX XXXX She had to reason to use the card until the weekend of XXXX when she was unable to use it because it was declined. We called the company asked why the card was declined because it was NEVER used. They could not provide any transaction history and would not help to resolve the card until we provided them with a sales receipt AND electronic journal from the place we purchased it. They also told me there was an activation issue. This is NOT the fault of the consumer! They stole money from my family!!! I filed a case under # XXXX and spoke with XXXX ( XXXX ) and XXXX ( Supervisor ). XXXX advised me that once they received my email letting explaining my concern, my case would be resolved. It has NOT! This company has MANY complaints filed with the XXXX  for stealing money from consumers! THEY ARE THIEVES! I would appreciate help with resolving this matter!
Product: Debt collection

On XX/XX/2019, I received a letter from Midland Credit Management , Inc . I almost threw the letter away because of the way it was sealed in two envelopes with no address on the outside of either. When I opened the letter I was amazed and shocked. Midland had purchased a debt from XXXX XXXX. I have never heard of Midland or this bank. This is the first documentation I have ever received from either of them. I noticed the wrong address on the envelope and had seen that address before on one of my credit reports and so I called them. Midland had requested a copy of my report. I have never had any indebtedness with anyone. I decided that my name had been compromised and went to work on " Identity Theft ''. I did find out that this debt company is not accredited and has the lowest of satisfaction " 1 '', the lowest you can go. Consumer affairs has given them an unaccredited brand. I was advised to call Midland, and against my better judgment I did call them and spoke to the rudest, unprofessional person named " XXXX ''. She very loudly started mumbling and I asked her to slow down, I could not understand a word she was saying. She would not. I was trying to tell her that I was questioning the bill sent to me. She did not seem to care and kept mumbling. I hung up the phone. I have started the process of calling difference agencies to protect myself. I have lived in the same house for years and have never had an overdue debt of any kind nor have I received any documentation of indebtedness from anyone. I am not and have never been, past due anywhere. I have excellent credit and do not want this company attacking or putting judgment on my credit rating. Is this FRAUD? A SCAM? I think so.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my Wells Fargo banking accounts was breached and XXXX was transferred from my checking account and transferred to my Wells Fargo debit card and transferred to my XXXXXXXX XXXX Account and then instantly transferred that day at XXXX to I dont know who. I contacted Wells Fargo and went through the fraud claims process and my fraud claim was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XXXX. On XXXX XXXX of this year, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : XXXX5 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Debt collection

I XXXX XXXX Have been Victim of identity theft. I have called this company many times about this problem. This company EOS CCA is a debt collection agency I do not own them any money. I have never hear about this company and this company is reporting that I owe them money to the 3 credit report companies that I owe them money. This company has been harassing me with phone calls, letters, and threatening me.
Product: Credit reporting or other personal consumer reports

This is the second time Im bringing this up, and I shouldnt have to keep repeating myself. The unauthorized account ( XXXX XXXXXXXX - XXXX ) is still sitting on my credit report even after I disputed it, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). I never authorized this account, never consented to it being reported, and yet here we are again. This is more than just a mistakeits negligence and at this point, it looks like willful noncompliance. Let me be clearyou have no permissible purpose under 15 USC 1681b to keep reporting this account. 15 USC 1681i ( a ) requires a reasonable investigation, but clearly, that hasnt happened. 15 USC 1681e ( b ) demands maximum possible accuracy, yet this false account remains. 15 USC 1681s-2 ( a ) holds furnishers responsible for the accuracy of the information they report, and right now, that responsibility is being ignored. Im demanding that this unauthorized account be deleted immediately. I also expect written confirmation that it has been removed and an updated credit report reflecting the correction within 15 days. Since Ive already disputed this and its still being reported, I also want your method of verification under 15 USC 1681i ( a ) ( 2 ). Tell me exactly how this account was verified, where the information came from, and who confirmed it. If you cant provide proper verification, the law requires you to delete it immediately.
Product: Debt collection

Wise XXXX XXXX ( formerly known as XXXX ) gave my personal information without my written consent to a third party debt collector known as XXXX XXXX. 

According to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX has email me 7 times and and texted me 6 times this month. They are not on my credit report. 

This has been exceedingly stressful on my person and I am seeking monetary compensation. 

According to 15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting, consumer has advised these accounts listed in letter was fraud. Said company had days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is nor request EQUIFAX to provide the documentation used to determine the accounts was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet take signature, consumer is Not asking for an XXXX  report. if EQUIFAX does not have documentation to show these were in fact authorized it evast be removed asap. SAID company is liable under the SEC to follow certain reles. EQUIFAX Commission file number.XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
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 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 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 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
Product: Debt collection

Calvary Portfolio is threatening to sue me for an old debt they bought that is out of the statute of limitations for California. They have also failed t mail me a letter 5 days after calling.
Product: Credit card or prepaid card

I previously submitted CFPB XXXX XXXX against Citi for a {$960.00} charge to XXXX XXXX XXXX. I do not believe Citi conducted a thorough investigation and simply regurgitated what they mentioned the first time I submitted a complaint. There was no acknowledgement of the evidence I provided even being considered. 

I have attached Citi 's previous responses to my dispute to this complaint. I have also provided the additional supporting information Citi requested in their letter dated XXXX for me to continue disputing the {$960.00} charge. I do not want my complaint being ignored. While Citi 's process and procedure may be working as designed, it does not change the fact that XXXX XXXX XXXX STOLE from me by effectively including a " no refunds '' clause and not delivering on a contract. Citi 's process is flawed if a " no refunds '' clause is all that it takes for companies to take advantage of consumers.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that Meade & Associates has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Meade & Associates but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/XXXX], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The Following Inquires on document are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 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  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: Credit reporting or other personal consumer reports

I SSEN THAT THERE ARE SO INFO IN XXXX XXXX THAT NEED TO BE REMOED
Product: Debt collection

I do not consent to e-OSCAR verification, I want a real human being to read this complaint. I sent in through registered mail a security to NAVY FEDERAL CREDIT UNION on XX/XX/year>. The security was received XX/XX/year> at the location NAVY FEDERAL CREDIT UNION instructed me to send to. NAVY FEDERAL CREDIT UNION did not credit my account from the dividend payment that the company made off my treasury coupon. Did not credit my account via the electronic transfer fund act of the interest on my treasury coupon. I tendered the coupon I received according to the UCC laws, but NAVY FEDERAL CREDIT UNION are infringing upon these laws and also the many laws that govern my federally protected rights as a federally protected consumer. " XXXX. DISCHARGE BY CANCELLATION OR RENUNCIATION. 
Primary tabs ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record. 

( b ) Cancellation or striking out of an indorsement pursuant to subsection ( a ) does not affect the status and rights of a party derived from the indorsement. 

( c ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record. '' According to UCC 3-604 the debt is automictically discharged for the non-compliance of the company after I fulfilled my obligation according to UCC XXXX XXXX Also, U.S. Constitution 's Article I, Section 10, Clause 1 states that states are not allowed to coin money or make anything but gold and silver coin a tender in payment of debts. Also, according to Missouri State UCC the state can not demand just one form of payment. UCC doesn't accept central currency, so I'm confused about the mentioning of money/U.S. Dollars that NAVY FERDERAL CREDIT UNION keep trying to only receive when you can't just accept that one form of payment as even on NAVY FEDERAL statement sent me has section for " Restrictive Endorsements ''. Also, within your NCUA agreement that your company signed off on in order to be in the position you company 's in and in order to get authorization from the security exchange to act with securities that your company will discharge consumers ( me ) debts.
Product: Credit reporting or other personal consumer reports

I contacted experian credit bureau three times after I found so many addresses don't belong to me and incorrect names among my correct name and correct address and I asked them to remove the incorrect one 's it has been 9 days and they did not correct it yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a forbearance of my mortgage in XXXX and XXXX of 2020 due to being furloughed from my job. I was told by the agent from XXXX XXXX XXXX before accepting the forbearance that this would have no effect on my credit because I was current on my loan prior to taking forbearance. My house sold and the loan was paid in full on XX/XX/XXXX. I went to get another loan and found out my credit rating was 75 points lower than were it was prior. When I pulled my free credit reports I can see that XXXX XXXX XXXX  reported me as LATE both XXXX and XXXX and I show 60 days late/delinquent for XXXX. Under the CARES act this account should have been reported as CURRENT not late and it should have no negative effect on my credit rating. Looking at my credit reports there is NO DOUBT that XXXX XXXX XXXX reported negatively. It's the only adverse account in my entire record. I would like this corrected immediately. I've tried to get XXXX XXXX XXXX to correct it and they refuse.
Product: Debt collection

I contacted this company this morning about settling a debt for a hospital visit. I stated my only options for payment considering I am not currently working and therefore I do not make a pay check as of this moment so the payments would be coming from somewhere else. I conveyed this to the creditor and asked for {$15.00} a month payments and a letter sent to me verifying it. When I stated it would be paid by someone else who would not want their personal credit card in a collectors file, he told me they couldnt send me the letter. I asked why he stated they need it in file in order to agree. It is not that company nor any others place to demand such a personal private thing from others to be save in thier files from people not associated with this account. I made the attempt and this creditor refused to cooperate. 

Creditor : PENN CREDIT CORPORATION ID NUMBER : XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX P.A. XXXX THIS COMPANY REFUSE TO COOPERATE WITH ME ON GETTING THIS BILL FINALLY PAID TO AVOID GOING ON MY CREDIT. I AM FILING A COMPLAINT UNDER THE BEST OPTIONS YOUR COMPANY HAS ALLOWED ME TO CHOOSE FROM. PLEASE HELP. I REALLY WANT TO SETTLE THIS DEBT BUT THIS HAS TO BE ON MY AFFORDABLE TERMS CONSIDERING MY CIRCUMSTANCES WITH THIS INJURY. 

PLEASE HELP. 

Thank you for your time and efforts on this very important matter.
Product: Credit reporting or other personal consumer reports

I have not made these inquiries and strongly suspect they are identity theft. Please do a thorough investigation and remove them from my credit report immediately. I have provided documents to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact all 3 credit bureaus on XX/XX/2020 to resolve inaccurate accounts on my credit report. As of today I have not received any response back from them.
Product: Credit reporting or other personal consumer reports

I was extremely frustrated to discover an unauthorized inquiry on my credit report today with no explanation. I check my report routinely, and this time, I noticed discrepancies that werent there before. Hoping it was just a temporary error, I refreshed my browser multiple times, but nothing changed. This needs to be fixed immediately! I expect my documents to be reviewed thoroughly so I can finally have peace of mind.