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

PROBLEM ONLY WITH EQUIFAX CREDIT REPORTING AGENCY This problem occurs every time I request an annual credit report from Equifax. I never occurs with XXXX or XXXX. I fill out all the information and then I get this response : We've experienced an issue processing your request We're sorry, we are unable to process your request at this time. You can try again later or call XXXX for automated assistance. You can also write to us at XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX When I call I call that number I can not make it work because when I put in my home zip XXXX it says that is XXXX XXXX CA XXXX My full Zip is XXXX and that is for XXXX California where I live. That may be a zip code sharing problem. 
But the main problem is time after time Equifax alone makes me go through hoops which the other credit reporting agencies do not I can not believe that I am the only one having this problem. And in the other agencies I have an Excellent credit score but in Equifax it is only Very Good and I can not find out why. Please help.
Product: Debt collection

I 've sent numerous requests to this company via Certified Mail requesting proper validation. Each time the company ignored my request and sent the same itemized bill. I shared with this company the FTC opinion letter on itemized bills. They have not provided me with documentation showing any type of agreement between me and the party. After doing research on this company my State, Texas, has been to court with this company. The court documents stated that Midland claimed to have a copy of the " consumer agreement '' for all consumers who " owe '' them. I requested a copy of this agreement and was ignored. I 'm not obligated to pay a debt buyer who ca n't validate a debt properly or fail to communicate properly. They 're known to bully consumers and sue consumers all the time. I will attach a copy of my letter to them, FT C Opinion Letter, th eir response. Please be advised that the copy of the response you see from them is what they continue to send me over and over again, ignoring request of other information.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries.
Product: Credit reporting or other personal consumer reports

I was made aware of a collection account on my Experian credit report showing an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. First and foremost, I was never sent a notice to my physical address before they sent it to collections which is a violation. I was applying for a house in the middle of the year when I was made aware. I sent verification letters to XXXX XXXX XXXX as well as a validation letter to Experian on XXXX certified USPS. I also sent another letter to Experian on XXXX to dispute inaccurate information from XXXX XXXX XXXX as it was showing all kinds of different data on my other reports from the other XXXX agencies. 
XXXX ) Experian is reporting no high balance while the other XXXX credit agencies are reporting a high balance. 
XXXX ) Experian is not reporting a Date of XXXX of XX/XX/2019 while the other XXXX agencies are reporting which is a violation XXXX ) Experian is reporting a term length of 1 month as if this was a loan whereas companies with agreements with the owner are legally bound to report loan terms and this is a violation. 
XXXX ) Experian is reporting XXXX XXXX XXXX as a ( XXXX XXXX ) which is inaccurate and incorrect as this collection agency can not report an account as open as I do not have a contract/loan with them. 
Per the Fair Credit Reporting Act Section 611 any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 at XXXX XXXX, the charge was in the amount of {$75.00} at XXXX. I been disputing this since XX/XX/XXXX. I used my card the night before at XXXX XXXX and I checked on XX/XX/XXXX to make sure my charge was correct. This is when I discovered a charge at XXXX was done the day after. I immediately, contacted Cash App ( chat ), XXXX, was the person or bot that I explained this was not my charge. I also, mentioned that I had removed my bank info as I did not know how breached my account was and that I had about {$46.00} on my cash app in which I used {$36.00} at a gas station to use the rest of the money on it, leaving {$6.00} and change. I received an email from a rep, XXXX via email who said they were researching it and it could take 3 to 10 days. I did not hear back from anyone after 10 days. I reached out via email for status. On XX/XX/XXXX via email I was told my claim was denied. 
I have never had an issue with Cash App, which I had for 2 plus years. I am convinced that someone at the XXXX XXXX used my card. However, I am highly disappointed that with my history I was denied. I called 2 weeks ago on XXXX ( XXXX ) XXXX and spoke with XXXX, who told me that I would here from someone via email, XXXX 2 to 3 days of my appeal. I have yet to hear from anyone via email or by phone. Today, I again reached out to support via ( Chat ) on the Cash app and being told someone will reach out via email. I am requesting that Block Inc. and its subsidiary Cash App send me document proof that charge I am disputing is my charge within the next 30 days. If they can not provide proof this is my charge to refund this amount back to me. I have chatted with, XXXX, XXXX, XXXX, XXXX, and Advocates which never leave a name from XX/XX/XXXX to XX/XX/XXXX. I continue to get the line someone will reach out via email which I never get. I just want this money returned so I can close out my Cash App account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX PH : XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX tx XXXX Subject XXXX Debt Validation Dear, XXXX XXXX I am writing regarding a notice I received concerning an alleged debt in the amount of {$620.00} associated with my account number. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request that you provide full validation of this debt. 

Please supply the following information : 1. The name and address of the original creditor.

2. A detailed accounting of the alleged debt, including the amount and how it was calculated.

3. Copies of any agreement that you claim I have signed or that shows I am obligated to pay this debt.

4. Verification of your legal right to collect this debt on behalf of the original creditor. 

While this information is being investigated and verified, I request that you cease any and all collection activities related to this matter. Additionally, please do not report this debt to any credit reporting agency until it has been properly validated. 

I would appreciate your prompt attention to this matter and request that you respond within 30 days, as required by law. Failure to provide adequate validation of this debt will result in my exercising my rights under the FDCPA to dispute this debt. 

Thank you for your attention to this request. Please send your response to the address listed above. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I previously notified Barclay Bank that I am a victim of identity theft, and requested them to do the following : Close the unauthorized account Remove all the unauthorized charges from my already opened accounts? Remove any charges on the unauthorized accounts, and Take steps to remove information about these account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company and my already opened accounts were used without my authorization. I did not open or authorize this account and charges, and I request that it be closed immediately and all unauthorized charges be removed. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my Police Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. Sincerely, Enclosures : Identity Theft Police Report
Product: Checking or savings account

In mid-XXXX, I deposited a check to my personal checking account with Truist, and the bank flagged it as fraudulent. On XX/XX/XXXX, I was surprised to discover that the logins for both my personal and business accounts were not working. As that was a Saturday, I had to wait to go on Monday, XX/XX/XXXX to the closest branch to figure out why. When I went on Monday, I was informed that both my checking accounts were being closed because of suspected fraudulent activity. The employees at the branch told me that they were still investigating, and that I would receive a letter explaining whatever actions were taken. 

On XX/XX/XXXX, I received four separate letters, two dated XX/XX/XXXX, the other two dated XX/XX/XXXX, stating that " after careful review '' both my accounts would be closed, and if I had a negative balance, to go to the bank to pay it. As I could not log in online, I had no way of knowing if I had a negative balance on either account. 

Today, XX/XX/XXXX, I received another letter from Truist that, according to the letter, because I had not paid {$280.00} negative balance, Truist sent me to collections, and and also notified XXXX XXXX and XXXX XXXX. There was nowhere near enough time for me to go in and pay them, as I had other bills and other obligations to pay and try to catch up on. 

I am currently in the midst of dealing with a financial crisis, due in no small part to being under a mountain of XXXX  debt stemming from an incident in which XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  in XX/XX/year>. The resulting XXXX XXXX stay, as well as months of XXXX XXXX XXXX XXXX XXXX XXXX and having to choose which bills to pay left me deeply in XXXX  debt. Truist 's actions could not have happened at a worse time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my credit report and saw inquries that I did not authorize on my credit report. XX/XX/XXXX I called XXXX, XXXX, EQUIFAX INDIVIDUALLY ) each finally reaching live person ; who ALL in different ways ; stated that I needed to dispute my concerns with the ( original ) Creditor Personnel prior ; before they were able to remove these unauthorized inquries off of my credit report that I NEVER authorized from the beginning. With that being said, I started that process. Finding ( s ) information sold and brought and placed to my consumer report via 3rd party sayings-UNVERFIED. Finalized the process by contacting every creditor mentioned on each Individual bureau ( XXXX, EQUIFAX AND XXXX ) as they were listed on each individual credit report pulled. 
XX/XX/XXXX I then sent letters to XXXX, XXXX, AND EQUIFAX ( INDIVIDUALLY ), letting them know that I didn't give them permission to furnish this information. Understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately ; my consumer and privacy rights are being violated. I've demanded they be removed within 15 days ; if they couldn't produce any proof or evidence that supported their reason for those inquiries. 
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681B ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information related to a consumer to any consumer reporting agency if- ( i ) the persons has been notified by the consumer, at the address specific by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is in fact, inaccurate. 
The credit bureaus have no respect for the laws. Someone needs to hold them accountable for their wrong doings of this. 
XX/XX/XXXX confirmation of last letter received by XXXX dispute department at XXXX XX/XX/XXXX confirmation of last letter received by XXXX  dispute department at XXXX XX/XX/XXXX confirmation of last letter received by EQUIFAX dispute department at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 7 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I contacted Experian via certified mail on XX/XX/year>, and XX/XX/year>, but have not received any response or update regarding either letter. These communications included personal documents intended to verify my identity and facilitate updates to my credit report. I provided my State ID, Social Security Card, and a recent internet bill that includes my address. 

I am currently awaiting the unlocking of my credit file, as I do not have access to my credit report. Please unlock my credit report and address both CFPB reports that were mailed to you.
Product: Debt collection

I have two fraudulent accounts now owned by Portfolio Recovery Associates that originated with XXXX XXXX XXXX XXXXXXXX. Neither of these account a are a result of any credit I established nor have I lived at the Ohio residence the statement summaries were sent to. The accounts are for XXXX and XXXX Acct # XXXX Amount : {$1200.00} Opened : XXXX Credit card Status : Seriously past due assigned to collections Acct # XXXX Amount : {$220.00} Opened : XXXX Credit card Status : Seriously past due assigned to opting dispute they directed me to ftc.gov and advised me to fill out complaint there and forward receipt to collections Portfolio Recovery Assoc Contact info for Collection Agency ;. 
XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX Upon attempting to file dispute they advised portfoliorecovery.comme I would need to go to ftc.gov and file it then forward receipt to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SCREENING REPORTS, obtained my background check and credit report without my permission or signed consent. I did not authorize any housing application with Indiana housing to consent to a background check with this company. Nor did I give SCREENING REPORTS, INC permission to place a hard inquiry in my credit report as well. SCREENING REPORTS, INC also reported incorrect information in my credit report as well. SCREENING REPORTS, INC has refused to remove the hard inquiry from my credit report and I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry by USAA bank on my experience report. This inquiry was not done/ authorized by me. I have called the bank and they are stopping the account but can not remove the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$4100.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$6900.00}
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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

Beginning in XX/XX/year> the account in question ( XXXX XXXXXXXX XXXX XXXX ) was reported 30 days late and the processing of my payment to this company was sent back in error. Causing my credit score to go down and changed my good score to fair. 
As a result, the company then closed my account and I loss access to the online portal which I pay my bill on. 
I've tried to pay the bill and the company ask me to verify that the bank account is owned by or that I'm the XXXX of the account I'm paying from. During the process of trying to pay for the account that I'm owner of, another late payment has posted for XXXX.
Product: Credit reporting or other personal consumer reports

They are saying we payed XXXX and XXXX late when we paid on time. We've paid every payment on time and most 2-3 days early. Feel bad to have a payment we paid on time be marked as late. Contacted credit acceptance 3 times but they won't help with the matter. We have proof they were paid on time even told them that but they don't care. The dates they are saying were late are XX/XX/XXXX and XX/XX/XXXX. Have screenshots to prove it they were paid on time.
Product: Mortgage

Hi This is XXXX XXXX ( XXXX ) I have attached the document with summary of my many issues that includes dates and times from the mortgage company and my frustration is that nothing matches my statements or the reason why my mortgage has increased indefinity. This mortgage company Newrez/XXXX is predatory, especially on how they were denying payments to create a case to foreclose on my home. I am blessed they didn't, and I had the funds to fight them. Thanks for your support. 

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

I want inquiries removed from my credit report because i did not authorize them to run my credit
Product: Credit reporting or other personal consumer reports

I have not supplied proof under tXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Checking or savings account

I initiated an online transfer from Chase bank ( https : //www.chase.com/ ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I first added my XXXX account information at Chase online bank using XXXX  ( I only need to log in my XXXXXXXX XXXX  through XXXX  at Chase online bank, then Chase can verify that is my external account ). However, this time XXXX/Chase system fails because it assigns me wrong XXXX XXXX XXXX in my chase external accounts ( I only find it was wrong when I contacted XXXX  on XX/XX/XXXX ). Then I initiated transfer of {$2800.00} from chase to XXXX  on XX/XX/XXXX ( Please see attached XXXX  ). I didn't receive the money in my XXXX  account. I contacted the XXXX, and they said they didn't use XXXX  system and the money went to the wrong account, and then can't do anything ( Please see attached screenshot ). I contacted Chase, and Chase they also can't do anything because the transfer is a success. Then I asked chase, 1. did you know XXXX? They said they didn't know. 2. How can Chase verify that is my XXXX account if XXXX account information is wrong? 

I asked both Chase and XXXX  to to a three way phone call and they both said they can't