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

New and updated information. I XXXX XXXX am making this complaint without the assistance of a third party. Experian is stating that they put an extended fraud alert on my report per my request and I did NOT request a fraud alert to be placed. Attached are the initial complaints made through the CFPB and a Fraud alert request is not stated in any of those complaints. Experian is who has committed fraud against me by furnishing accounts on my consumer report without my consent pursuant to 15 usc 1681b ( a ) ( 2 ). They also have not complied with 15 USC 1681 c-2 and blocked the accounts listed on the listed on the FTC report .
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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: Debt collection

I sent two letters via certified mail,  one  to  XXXX  and  one  to " Debt Recovery Solutions ''  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX , regarding the same debt ( {$170.00} ) asking both to verify the debt.  XXXX  did not respond. Howev er, Debt Recovery Solutions sent a copy of an old bill as " verification '' of the debt. This debt was previously discharged in bankruptcy. This negative mark has been on my credit reports for months causing harm to me. I have asked " Debt Recovery Solutions '' to remove this from my reports to no avail. I am prepared to file suit against this company, but would am attempting by other means to try to resolve it first. The bottom line is that the debt is not owed. Debt Recover Solutions is reporting false and inaccur ate information on my credit reports.
Product: Credit card

on XXXX i enrolled in XXXX to check my credit.And on that date i found a credit card that was not mine, but on my account.So i called XXXX and asked them what this discover credit card is doing in my account.They told me that there was a discover card issued to a XXXX using my social security number on XXXX at the address of XXXX Il. XXXX.That was my sisters address which she had used my social security number to get this credit card.She did it in the past to me XXXX other times.Plus she even got a XXXX Il . XXXX.I called discover and gave them the credit card number of XXXX.They in turn did not investigate on that they investigated on my legal XXXX i have that i did not even use.The discover card that my sister got is still in use.My sisters name is XXXX, but she goes by her maiden name of XXXX.I want discover to close this account and investigate, but they will not.They said XXXX must be wrong.XXXX told me they are not wrong that is the information given to them by discover.I have copies from XXXX showing this.I send discover all the information and my identity, but they still refuse to do anything.Please help me out because i want to have my sister arrested for this so she stops.
Product: Debt collection

I asked them to stop calling me. They told me to pay my debt or they wo n't stop calling.
Product: Debt collection

I was contacted by XXXX XXXX XXXX regarding a old payday I had with Checksmart however that debt was included in a recent bankruptcy that was filed. They threatened to pursue legal action against me even though I advised them this debt which is very old was included in the bankruptcy filing. I was hung up by two representatives after explaining my situation.If I don't pay the requested funds within two days they're threatening to contact my employer as well as garnish my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

I have inquiries from XXXX XXXX that need verification or deletion.
Product: Debt collection

I keep getting letters from this company claiming i owe for services at  XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

THE COMPANY HAS IGNORED THE LAW OF FAIR CREDIT REPORTING HAS CONTINUED TO REPORT UNFAIR AND INACCURATE INFORMATION ON A A CREDIT REPORT HURTING MY ABILITY TO OBTAIN CREDIT
Product: Payday loan, title loan, or personal loan

AFTER MAKING NUMEROUS PAYMENTS TO B & F XXXX  AND MAKING ARRANGMENTS AFTER DUE TO XXXX AND INFORMING THEM I WAS IN DESPERATE TIMES DUE TO A DEATH DUE TO XXXX AND HAVING TO PAY FOR AN UNEXPECTED FUNERAL DUE TO XXXX DEATH. B & F CONTINUED TO CALL ME NON-STOP AFTER TELLING THEM IT WAS NOT A GOOD TIME THEY CONTINUED TO CALL NON STOP ON MY WOR PHONE AND CELL PHONE. THEY THEN CALLED MY FAMILY AND FRIENDS AND INFORMED THEM OF MY PERSONAL ISSUES WHEN MY FAMILY ALREADY KNEW OF MY FAMILY PROBLEMS DUE TO XXXX AND THE DEATH OF A FAMILY MEMEBER THAT WAS A CONTRIBUTING PERSON TO MY HOUSEHOLD. THEY EXPOSED ALL PERSONAL INFORMATION ON A RECORDED LINE TO FAMILY AND FRIENDS BECAUSE THEY THOUGHT I WAS LYING ABOUT MY SITUATION. AFTER THIS I HAD TO EMAIL THEM A CEASE AND DESIST TO STOP ALL COMMUNICATION AND THE HARRASSMENT. THEY WERE PUTTING ME UNDER DURRESS AS A CUNSUMER
Product: Debt or credit management

Despite the settlement, XXXX is reporting a charge-off and a balance of XXXX with subsequent late payments on my credit report. XXXX Reporting Agency, Equifax Information Services, XXXX has reported debt is verified that this information is accurate and is reflected on my credit report. 
In accordance with House XXXX XXXX XXXX, all debts have been paid in full, and I believe the charge-off and late payments should not be reported on my credit file. The continued reporting of this charge-off and late payments is causing damages to my creditworthiness, and I request their removal to mitigate these adverse effects. Alternatively, I may seek damages for any harm caused. 
I kindly request that you review the details of my account and verify the payment of the said debt. If necessary, I am prepared to provide documentation supporting the settlement for less than the full balance amount. As per the regulations outlined in XXXX  XXXX, any offset debt that has been settled should not negatively impact my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXXXX has violated my rights 15 U.S.C 1681 Section 602 A.

States I have the right to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Checking or savings account

On XX/XX/2023, Citizens Bank experienced a system issue and our customers, including myself, could not access their accounts. In addition, a deposit of my paycheck that comes every other Wednesday between XXXX XXXX  and XXXX XXXX  Eastern standard time did not go into my account. No one has access to their accounts online or via mobile banking. When I called Citizens, they told me they dont know when this problem will be resolved. I can not pay my bills today that were due and I have no money in my account except for {$55.00}. I am stuck. This is not the first time this has happened with CitizensBank, where their system has gone down, and no access to any funds. They have no answers and did not offer any solutions other than an apology. This has gone on too many times.
Product: Debt collection

I looked up the phone number " from ''  XXXX , AZ, ''  XXXX , and saw it was for a company that is in  XXXX  and is a debt collector. They call  us up to 10 times a d ay, and when I answer, there is no answer. When my answering machine answers, there is NEVER a message left. I have no idea why they are calling my home, but my land line phone does n't block calls that I know of. I want them to stop harrassing us immediately as we are both  XXXX  and the calls prevent the little sleep we get and is interfering with our health. They can contact us by letter only.
Product: Bank account or service

On XX/XX/2017 I transfered {$150.00} from a savings account to a checking account. I did this on line, as I had done many times before. I made this transfer to make sure there was sufficient funds in my checking account to cover expenses. In the past the decrease in funds from one account and the corresponding increase in funds in another account would show immediately. Recently this has not been the case. The reciept I printed shows the action I took occured on XX/XX/2017 but the transfer date was to be XX/XX/2017. 
When I went to the bank to voice my concern they said it was a business day sort of thing. 
To me this was a LAME excuse as the bank has no problem reducing a balance for a transaction on a friday and showing that decrease on saturday. 
As I said this is a new situation, It did not used to be this way. I believe Santander has changed it logrhythms to generate more overdraft fees. 
XXXX.
Product: Credit reporting or other personal consumer reports

Southwest Credit Sys is reporting a collection for XXXX XXXX. I have never done business with either entity. The creditor or collection agency does not have the authority, permission, or consent of the surety to be in contact with the alleged principal debtor XXXX XXXX. There is no evidence to the contrary. 

They also do not have my written consent or instruction to furnish any sort of data or information to any consumer report as I have no relationship, connection, or marriage with either Southwest Credit XXXX or XXXX XXXX. 

Any and all consent to XXXX, XXXX, XXXX, XXXX XXXX, Southwest Credit Sys whether written, verbal, non-verbal, or otherwise is now revoked. 

Any possession of a signature belonging to XXXX XXXX unlawfully in their possession is also rescinded, effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX confirmed to me today that there should be no late payment on my account. My loan has been paid in full. I need this removed immediately, as it has erroneously dropped my score significantly. I no longer qualify for a mortgage that I qualified for before this error was reported. I have asked the credit bureaus to investigate, but even though XXXX confirmed via phone today that there was no late payment, it is still being reported on all three bureaus, effectively stopping me from buying a home.
Product: Checking or savings account

My account was closed due to someone else logging in. XXXX is understandable but they wont give me my money out the account. I have contacted them and and was told they locked the account to where no one can do anything. My account has no fraud or anything on it just a simple log in issue but they are holding my funds that is mine and I have things to do with my money. They are not willing to send a check or anything until after 60 days.
Product: Debt collection

This debtor claims I opened a XXXX  account this year which i never did in Florida. Some one used my identity to open this fraudulent charge XXXX and XXXX XXXX have removed this after I told them I did not open this XXXX has refused to remove this this charge is not my charges below is the information MRS BPO , LLC. 
Dispute not available XXXX XXXX XXXX XXXX  Account owner Individual Account Original Creditor XXXX  Date reported XX/XX/2023 amount XXXX
Product: Debt collection

I owe nothing to this company and no debt is valid. Any debt they allege is fraudulent and without merit. They are unable to produce any signed document evidencing a valid debt on my part and i have advised them of this fact is because of fraudulent activity.
Product: Debt collection

On XXXX I did a pay to delete ( once paid they will remove from all 3 Bureaus ) with XXXX XXXX XXXX for the 2 accounts I had with them. I sent them a check stating if the cashed the check they are accepting the debt as paid full and will delete from all Bureaus on the letter and the memo section of the check. Check # XXXX was cashed and posted on my account on XXXX. I want the charge off accounts to be deleted from all Bureaus since they agreed and cashed my check.
Product: Debt collection

I filed a dispute letter with on XX/XX/2021 XXXX, XXXX and Experian regarding a several accounts that are reporting on my consumer reports that are unverified and other accounts that were opened fraudulently and were closed due to fraud and Experian refuses to remove it. 

The account is being reported as bad debit when in reality it was fraud that was never investigated. 

Its been more than 30 days and the accounts in my letters are still reporting. 
Under Federal consumer law, 15 USC 1681i A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate removal of late payment entries from my credit report, as they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( a ) ( 1 ). 
According to the FCRA, late payments should not be reported as negative information. However, upon reviewing my credit report, I discovered multiple inaccurately reported late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms. 
I believe these late payment entries are the result of a clerical error or misunderstanding. 
Therefore, I kindly request that you investigate this matter promptly and take the necessary steps to remove these erroneous late payment listings from my credit report. 
As per the FCRA, I expect a response within 30 days, acknowledging the receipt of this letter and informing me of the actions taken to address this issue. Additionally, I request a revised and accurate copy of my credit report once the corrections have been made Thank you for your immediate attention to this matter. 

Please find account below : DEPT OF EDUCATIONXXXX Account # XXXX
Product: Credit card or prepaid card

I have submitted numerous complaints to you about the practices of US Bank Reliacard and neither US Bank nor the CFPB is doing anything about their thievery. I am sick of it. 
This is absurd. US Bank Reliacard has done the exact same thing they did the first time, absolutely nothing. I do not accept this response. Do the individuals at the CFPB not read the complaints submitted? Does the CFPB not read the responses the company provides? US Bank Reliacard did answer address a single question or concern again. US Bank Reliacard indicates that I beneffited from the fraudulent transactions. Tell me how. How did I benefit? They claim I had a pattern of use. Tell me what that pattern is. What pattern does US Bank claim to see? The only pattern that I see is that the fraudulent withdrawls occured at a credit union I do not use, where as my withdrawls occur at a bank at a different address. So what pattern is US Bank referring to? They will not answer the question and the CFPB apparently isn't asking the question either. My location was used in US Bank Reliacards determination they say. I can not and will not be held accountable for where the card thief used my card. If US Bank Reliacard reviewed any of the evidence I provided them they would be able to see that MY LOCATION on the days in question was in an entirely different township. I was miles and miles away from the credit union in question. So what location information does US Bank Reliacard have about my location that they are using to make the determination? These are all the same questions I have been asking the entire time. These are the same questions US Bank Reliacard has refused to answer the entire time. These are the same questions the CFPB is refusing to help me seek answers to. 
I do not accept this lack of an answer, not before, not now, not ever. US Bank Reliacard is just as big of a criminal and thief as the person/persons who stole my debit card. The CFPB is running a close second. By allowing these institutions to get away with not having to honor the customer agreements people sign, you are condoning their actions. You are aiding these thiefs. 
Ask them the questions I have been seeking your help with getting answers to. Those questions still are the following : XXXX. What about my location, specifically, was considered in US Banks denial? 
XXXX. In what way, specifically, did I benefit from the fraudulent ATM withdrawls? 
XXXX. What pattern of use, specifically, does US Bank claim to see regarding the fraudulent withdrawls? 
XXXX. What about my monthly statement does US Bank consider to be evidence in their favor or evidence of why they made their decision the way they did? 
XXXX. Aside from my monthly statement what enclosures did US Bank provide me as evidence why they made their decision they way they did? 
Not only did US Bank Reliacard yet again respond to XXXX questions I presented, the CFPB responded and assisted with answers to XXXX questions. Thanks for nothing, again.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obliger or a credit issued to the obligor.
Product: Debt collection

I am a victim of identity theft. I already reported it to Federal Trade Commission. 
Debt collectors company name : Valer Enterprises INC Company Address : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Company # : XXXX XXXX  XXXX License # : XXXX On XX/XX/XXXX - i received a letter from Valer Enterprises, INC. regarding an alleged debt amounting to {$2500.00} from XXXX XXXX. 

On XX/XX/XXXX- Valer Enterprises, INC. received my response telling them that i do not owe the debt and that i am a victim of identity theft. And they should dispute the debt because i do not owe it. I requested for following information to be provided to me. 
-amount of alleged debt -full name and address of the creditor -any judgement/documentation showing they have verified that i am responsible for the debt -documentation showing they are license to collect a debt On XX/XX/XXXX, XXXX they sent a letter with enclosed verification that i requested. However, i found it odd that all the evidences they sent me looks fake. There are names that i do not know and bank account that i do not have. 

I called XXXX to verify their license and i was told that their license expired XXXX and they are not allowed to operate and to just disregard their letters. They have been calling me everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX-XXXX add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA. NEW ERA ASSETS has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.