23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was dealing with an dispute made on XX/XX/2019 regarding transactions made while I was at work and one particular transaction was at an ATM machine where there are cameras. I spoke with an account specialist who open up the investigation in the amount of {$240.00} and change. Well yesterday I was suppose had a call back from her supervisor which she closed my dispute after I reported the company to the better business bureau three times.
Product: Debt collection

The debt has an agreement to be paid by paying XXXX dollars monthly until paid in full. I have been paying in good faith for over 3 years why are they still reporting it as a mark against me instead of reporting current in payments or something. I went into bankruptcy court to attempt to deal with my debt. Judge wanted me to pay at the time more than I could afford he wanted approx. XXXX monthly payments I could not cover that in XXXX since then I have paid all my debts or settled them. This is the last XXXX I owe. What can I do to encourage recovery to place a good faith report as I have done a good faith effort to pay in the past few years. 
?
Product: Debt collection

Never received any notices or certified letters saying I owed this debt and found out it was on my credit report
Product: Debt collection

Covergent has a collections account on my credit file that was just refreshed in XXXX XXXX how when I never talked to you guys. The original date of the debt first delinquency was in XXXX so way is it show up with the date you guys purchased the line? Make no sense and it need to be removed from my credit all bureaus
Product: Debt collection

Since XX/XX/2017, approximately every two weeks, I receive a call on my land line ( XXXX ) from XXXX ( caller ID shows " XXXX NH '' or " XXXX ). When a live person is on the line, they ask to speak with XXXX XXXX ; and, when a robo call, the message says Press 1 if you are XXXX XXXX, Press 2 if you are not XXXX XXXX. I have had this land line # since XX/XX/2017. 

After a bit of research, I found that my XXXX # used to belong to XXXX XXXX 's father, XXXX XXXX. The XXXX family used to reside in XXXX NH, just down the road from where I reside. I have told the caller from XXXX on numerous occasions that XXXX XXXX is no longer at this number and that the number had been reassigned to me by XXXX XXXX. I have also requested that the calls cease but they continue to this day. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH XXXX Physical residence : XXXX XXXX XXXX, XXXX XXXX  NH XXXX
Product: Debt collection

I called Pressler, Felt, And Warshaw about XXXX months ago ( date unknown ) demanding they provide me the original bill of sale. They hung up on me. I filed a dispute claiming the debt was NOT mine. And they are now sending harassing letters multiple times a week demanding I pay or get sued and go to jail. Now when I call to try and settle this like they ask. They refuse to answer the phone. They threatened to take over ownership of my accounts. They threatened to put me in jail. And are now filing a lawsuit against me without me being able to defend myself. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the collection agency ERC to ensure that the information would not be on my credit report if my payment would be made by ned of the month. The payment was made on XX/XX/2021 and I was ensured by the agency representative that as long as I made the payment by the end of the month that it would not be reported to the credit bureaus. AS of today, the information is on my credit report and it should not be on my credit report.
Product: Credit reporting

Equifax has discriminated against me by listing items on my credit report that occurred because I was emitted in a VA Hospital as a XXXX veteran. These items which do not belong on my credit report have prevented me from receive credit by many companies and have cost me because I receive higher interest rates on credit and loans. I suffer XXXX due to exposure to an XXXX in XXXX while on XXXX and there are items on my credit report that are do to this injury and XXXX. I have attempted to clean my credit report with this firm to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/Equifax/ XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 

XXXX/XXXX  ACCT : XXXX AMT : {$130.00} XXXX  XXXX XXXX ACCT : XXXX AMT : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$630.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX  XXXX XX/XX/2020 XXXX   XXXX XXXX  XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so grieved to write you about this agency but there must be some checks and balances but it may be negligence in not keeping update in the world of cyper security. I might have been protecting my files by thinking I had access to freeze them at will and Lock. But since I have been under some XXXX in the last few years the verbiage has changed I guess. 
My experian account was lock and I had the ability to have the keys to do this with a membership via MONEY. But inside of this is a another vervbiage called FREEZE. I am supposed to have a password and a limited amount of days it can stay open or perm open. Like I said I take responsibility for some of this and thank God I did not get taken advantage too much during this time period. But over the weekend we have a realtor who is trying to work with us to trying to get us into a better loan from the XXXX XXXX XXXX UH better know as XXXX XXXX ... ... took advantage of us with HIGH APR IN 2006. Somebody finally gon na help us get released from these TOP 1 % IN USA. THEN we cant even get someone from experian to work on friday XX/XX/XXXX & on weekends to help with customer support to help with passwords/freezes/. One person only help because I was going to cancel membership. Otherwise calls going throught loops of automations. When are the rich people ever going to stop just caring about money and care about people. Travesty.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I found out that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXXXXXX XXXX Balance : {$480.00}
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX account show up on my credit report. I did not open the account. It needs to be remove.

I call the bank and they agreed that it was fraud. They closed the account and told us to report it to the credit bureau.

After i report it to the credit bureau they told me that " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. 

How can that be if the XXXX XXXX XXXX XXXX  itself said it was fraud and should not be on my report.
Product: Credit card or prepaid card

Last week ( XX/XX/XXXX ), I attempted to use my Hone Depot Consumer Credit Card and it was declined. I called on XX/XX/XXXX and XXXX and was advised there was a Fraud Block on my account. I have never received any proactive communication regarding this matter from XXXX or Citi bank, the bank backing the merchants transactions. During my call I was transferred to Citi consumer protection and advised they would reach out to verify my identity. I waited the entire day without response. In the evening I decided to call back and ascertain if I could escalate. I was told I needed to wait for them to communicate ; however, no timeline or method was defined, phone, email or written correspondence. I asked to speak with a supervisor, after waiting 5 minutes, I was told a supervisor was not available and one would call me in 24-48 hours on XX/XX/XXXX. To date XX/XX/XXXX, I have yet to receive a call from Citi. I take Fraud alerts seriously and have an alert on my consumer credit file. When I establish any new trade line the retailers fraud department calls the Phone # listed on my credit report to verify my intention. I have never had to do this process once the relationship has been established. My assumption was this was in response to the XXXX data Breach and if so, again the method for response is less than favorable. On Friday XX/XX/XXXX I initiated a XXXX complaint with XXXX XXXX to escalate the situation to the Executive team. I did receive a prompt follow up from the XXXX XXXX  team that they would escalate to Citi. Also, on XX/XX/XXXX I again attempted to use my card at a Michigan store. The store associate was prompted to call Citi, and I was on hold for nearly 40 minutes. The Citi representative would state they left me a voicemail ; however, my phone never rang on the phone number listed on my credit report. I encouraged the XXXX XXXX  executive team to run a report to ascertain how many consumer accounts are fraud blocked. There should be requirements put in place for companies fraud blocking, send written communication, etc. These companies close card for inactivity, then require new credit inquires to reopen accounts at the detriment of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE REQUEST- YOU CLOSED MY ORIGINAL COMPLAINT XXXX, STATING THAT I ALREADY COMPLAINED ON THIS ISSUE, WHICH I NEVER HAVE. Im not sure how the CFPB is here to support the consumer yet, close my complaint without even sending it to the company. 

Please review the original complaint XXXX and submit it to the company listed
Product: Credit reporting or other personal consumer reports

I am reaching out regarding my XXXX XXXX XXXX XXXX account to request an update to a late payment reported in XXXX. Unfortunately, I was hospitalized in XXXX due to a XXXX XXXX which significantly impacted my ability to function properly or work during that time. I was very emotional and highly concerned Supporting documentation of my medical situation is enclosed for your reference. I take my credit obligations very seriously and have maintained an excellent payment history on this account prior to the XXXX incident. I kindly ask for your assistance in honoring this one-time request to update the late payment, given the extraordinary circumstances. I would greatly appreciate your understanding and support in this matter.
Product: Credit reporting or other personal consumer reports

equifax is reporting XXXX  XXXX  ending in XXXX on my credit report this account and balance do not belong to me
Product: Money transfer, virtual currency, or money service

I have filed several complaints to the company still yet they have refused to fix my problem, a month ago i got a notification to reverify my identity on coinbase when i tried sending bitcoin out to a bitcoin address so i did and my account was verified again i got a mail that all restrictions were taken out of my account and i can now regain access to my funds but still yet the restrictions is still right there and my funds are tied down on coinbase, I have been sending mails and complaining through the contact us on the coinbase web nothing was done still yet my account is under restrictions for month all case numbers are : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX
Product: Money transfer, virtual currency, or money service

For the past four days ( XXXX XXXX, 2020 ) I have been trying to use XXXX to transfer money ( USD to XXXX  ) from my PNC account to my fiance 's XXXX bank account via bank debit ( ACH ). I have done this several times before with no problems, but now it keeps saying that XXXX is " having connectivity issues with PNC '' and I have not been able to transfer the money. This is becoming a huge problem and my continued attempts to try to straighten it out via the PNC website have only resulted in wasted time and continuous prompting to use a third party app I have never heard of before to do an external transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just like with XXXX  and XXXX  I was once a victim of identity theft which was proven and they ( whoever ) made hard inquiries on my credit report around those times ... I sent out a dispute letter pertaining these inquiries but never heard nothing back idk if it's due to covid 19 ... .but I been patient and wondering what's going on I requested them to get deleted and only heard back about 1 issue
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX EQUIFAX XXXX XXXX XXXX XXXX GA XXXX Subject : Formal Dispute of Fraudulent Information Under 15 U.S.C. 1681c-2 Dear EQUIFAX, I am writing to formally dispute fraudulent information appearing on my credit report and to request its immediate removal under the provisions of 15 U.S.C. 1681c-2. Enclosed with this letter is a copy of my police report and/or FTC identity theft report ( FTC Report Number : XXXX ) as supporting documentation for my claim. 
According to 15 U.S.C. 1681c-2, credit reporting agencies are required to delete information resulting from identity theft within four business days of receiving proper notice and documentation from the consumer. The following account ( s ) appearing on my credit report are fraudulent, were opened without my consent, and must be permanently removed immediately : Fraudulent Account ( s ) to Be Removed : Account Name : [ XXXX XXXX ] ... ... ... ... ... ... ... ... ... Account Number : [ XXXX ] Account Name : [ XXXX XXXX XXXX ] ... ... ... ... ... ... ... .. Account Number : [ XXXX ] This fraudulent account is severely damaging my credit history and does not reflect any of my legitimate f inancial activities. Therefore, I formally request the following actions to be taken promptly : 1. Immediately delete the fraudulent account ( s ) from my credit report.

2. Provide written confirmation that the account ( s ) have been removed.

3. Issue an updated copy of my credit report reflecting the corrections.

4. Do not place a fraud alert on my credit report.

As per federal law, you are obligated to comply with this request within the mandated timeframe. Please confirm receipt of this dispute and provide written confirmation once the fraudulent information has been removed.

If you require any further information to process this request, please contact me in writing at the address listed below. I appreciate your prompt attention to this serious matter. 
Sincerely, XXXX XXXX XXXX
Product: Payday loan

I all ready paid XXXX in interest and the loan was for XXXX but know I ca n't afford it no more .So please I need it to stop
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Equifax has furnished inaccurate information, illegal inquiries, and has caused significant injury to my character, my report, and has affected my ability to extend my credit; for personal use. theyve allowed XXXX XXXX XXXX XXXX violate multiple consumer rights and privacy rights, caused injury tangible and intangible. On XX/XX/2024 a debt validation letter regarding XXXX XXXX XXXX in the amount of {$790.00}, and a statement was sent. the major XXXX reporting agencies has allowed these inaccuracies to go on unchecked, and ive had to stress myself to make sure everyone comes with clean hands and so far met with dishonor. XXXX USC XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that XXXX USC XXXX ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX U.S. Code XXXX ( A ) ( 1 ) A states " 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. XXXX U.S. Code XXXX states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. they have a DUTY and OBLIGATION to maintain accuracy and privacy. Exemption : the process or state of excluding or being excluded.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent XXXX XXXX XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Product: Debt collection

CFPB, RE : XXXX XXXX XXXX XXXX XXXX XX/XX/2023, to the Consumer Financial Protection Bureau in response to complaint # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX state : Thank you for the opportunity to respond to complaint number XXXX of XXXX XXXX. XXXX and XXXX XXXX XXXX did not threaten legal action against XXXX XXXX and does not report to the credit bureaus. Admitting no wrong doing, XXXX and XXXX XXXX XXXX XXXX has closed this account and returned it to our client. XXXX XXXX will not be hearing from XXXX and XXXX again regarding this account. XXXX and XXXX XXXX XXXX XXXX XXXX 

Such typos and inconsistencies alone are indicative of the business practices of Take & /and Kirlin and Associates ( LVNV FUNDING LLC XXXX XXXX XXXX  XXXX et al ). 

XX/XX/2023, and XX/XX/2023, Pages 2 of letters sent via USPS from XXXX XXXX XXXX XXXX XXXX XXXX state : The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV FUNDING LLC can not sue you for it. If you do not pay the debt, LVNV FUNDING LLC may report or continue to report it to the credit reporting agencies as unpaid. 

Despite Admitting no wrong doing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX and XXXX XXXX XXXX did not threaten legal action... and does not report to the credit bureaus.

yet LVNV FUNDING LLC may report or continue to report it to the credit reporting agencies as unpaid. 

As such, apparently, XXXX XXXX XXXX XXXX XXXX XXXX choose to ignore Page 2 of their own letters.

Premeditated and/or actual slander, libel, and defamation of character are legal actions intended to damage credit worthiness and economic standing whether or not a court of law is involved. 

Unlike the CFPB, XXXX XXXX does not recognize nor distinguish differences between multiple companies represented on the same letterhead issuing suggestions of legal actions such as reports to credit reporting agencies/bureaus sent through the United States Postal Service . 

Also unlike the CFPB, XXXX XXXX does not condone, support, or dismiss perjury to Federal institutions ( 18 U.S.C. 1001 ) such as the CFPB, despite the assumptions, actions, and crumbling integrity of businesses in the United States of America.

Get these perjurous panhandling frauds out of the Peoples inboxes. 

XXXX -- Vi XXXX XXXX XXXX, XXXX All Rights Reserved XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the hard inquiries from my record on XXXX   XXXX  and XXXX from My credit report This was made XX/XX/2018 from TD Bank. I have never made such a request, so I am asking you to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I also have no knowledge of obtaining any of the inquiries listed here. 
XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fraudulent Inquiries XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of XXXX XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX  Date of Inquiry XX/XX/2021