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

I have disputed this account with the CFPB already and you guys did nothing to ensure me that this information would get fixed. I have reported this account countless times with the credit bureaus and the still continue to report inaccurate information. The last payment made on this account was XX/XX/XXXX, then the first missed payment was XX/XX/XXXX. All of the proof is I. The files. Yet Experian is report all of the information on this account wrong. As you can also see in the files, they are stating the last payment was made on XX/XX/XXXX which is wrong, then they are stating the account went delinquent XX/XX/XXXX which again is wrong. Yet whenever I dispute they are saying this is accurate, but according to the company they are reporting false information.
Product: Debt collection

I paid off my XXXX XXXX account through Portfolio Recovery on XXXX XXXX, 2016 and after several ( XXXX ) attempts to get a Letter of Satisfaction, I have yet to get XXXX AND the debt is still showing on my Credit Report. I have called, emailed and mailed a request for a letter. Every time I call, they say that the letter will be mailed out and I should have it in a couple of days since I live within XXXX miles of the office. I feel that this is " NOT '' a reputable company and I am now out of over {$1500.00}. If I have to subpoena them to court, I am going to ask for my payment back!
Product: Debt collection

I have for 6 months now argued with this company over a debt collection of {$410.00}. I was told it was a medical bill but I have had insurance for 15 years now. When I contacted my insurance they told me none of this was ever reported to them. I called this company and they continued to harrase me with phone calls and interest. I finally spoke to a lawyer and they told me to ask for the bill within 30 days, which they then sent me a email from XXXX XXXX at Sequoia Financial Services. Stating the debt owed and my medical records! This is a huge violation of My HIPPA rights! I did not authorize this creditor to access any blood work or medical history of mine! I have copy of this email and my private records obtained from a hospital that they sent me today. I ask you make this company take this private information down and completely remove this collection off my record. As my medical insurance has no record of it in 15 years and they Illegally obtained it without a signature from me or any proof of consent. The creditors name and address is - SEQUOIA FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Debt collection

I keep receiving multiple auto dialed calls from Portfolio Recovery ( XXXX ) on my cell phone when answered they hang up
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$30000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, I.C. SYSTEM, INC Acct. No. XXXX, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to The Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting

I have several fraudulent inquiries that I asked Equifax to dispute but refused to do, made several attempts online and my phone to dispute these inquiries. I was told it was factual data and was n't giving any written proof of any investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have so many information in my credit report such as names and employment and I have contacted and requested dispute to XXXX  but they never helped! please help
Product: Credit reporting or other personal consumer reports

I was trying to buy a home so I can better me and my family lives and I realized that there were some damages on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is A defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C. And 1681 You have broke the law because these damages are fraud and I am trying to move forward.
Product: Credit card or prepaid card

I signed up for the American Express XXXX XXXX based on a specific offer that was sent to me for {$200.00} when I spend {$2000.00}. This was the only reason I got the card. I have never had the card before. I spent {$2000.00} on it. I just chatted a customer service rep, XXXX, ( XX/XX/2022 ) and he claims that I " denied '' the intro bonus, which is simply not true. I have never received ANY notice whatsoever that I would not get the bonus and I signed up specifically based on the bonus. I would never have used the card or agreed to it without this bonus. His " remedy '' is to submit a report that would take 6-8 weeks to resolve. This is an unacceptable remedy to this situation. I submitted a complaint with the XXXX XXXX XXXX and an American Express representative ( named XXXX ) did contact me but DID NOT offer any resolution and furthermore was rude. She claimed that because American Express included fine print in its agreements that give it the power to terminate any offer, it has the ability to exercise that at any time -- a WARNING to all customers seeking American Express credit cards that they can and will randomly NOT HONOR their agreements per their discretion. These actions seem fraudulent to me that a company would coerce consumers into agreements with promises of bonus offers then NOT HONOR such agreements solely because they claim not to have to based on the fine print in their contracts. BEWARE AMERICAN EXPRESS CREDIT CARD OFFERS. I will be escalating this further with the XXXX, CFPB, and the media.
Product: Credit card

I just checked my Victoria 's Secret credit card statements and realized that I 'm being charged two different reoccurring charges each month, for at least the last 24 months, amounting to at least XXXX dollars per month. The total cost for these charges was XXXX. I could not get this resolved through Comenity Bank and was told to call the two other companies issuing these reoccurring charges. I was told by XXXX that I had authorized this service when I activated my card. I would not authorize such charges, but can not speak to anyone regarding getting my money back. Comenity Bank 's customer service number is a never ending loop of computerized choices that do not connect me with an actual representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Accounts # XXXX & XXXX, has violated my rights. 

15 U.S.C. Section 602 A. States I have a right to privacy.

15 U.S.C. Sections 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

To whom it may concern, i am writting to dispute fraudlent information on my credit report pursuant to 15 U.s.c 1681c-2 i have enclosed a copy of my police report / ftc idenitity theft report to support my idenity theft claim .These are multiple unquires all withn one day of each other on my credit report but i authorized one of them.please remove all of these unauthorized inquries immediately.

U.s. code 15 u.s.c {$1600.00} et seq.section 604 of fair credit report act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or credit management

In the early XXXX of 2023, I contacted a debt consolidation loan company that rerouted me to Clarity Debt Resolution. I initially applied for a loan, but was advised I did not qualify. Instead I was told that if I made XXXX consecutive payments of {$510.00} per month ( the estimated payment that would clear my debt in XXXX  months ), I would be eligible for a loan from their company. 

I quickly realized that was a ploy. For a point of reference I registered XXXX credit debts with this company. Within XXXX months, XXXX creditors were settled for XXXX % of the debt and XXXX creditors were in litigation. I was afforded an attorney who would represent me in the lawsuit. Interestingly enough, while I received a summons and complaint, I can not located the file on XXXX. 

When I inquired more closely to the handling and distribution of my funds, I was alarmed to find out while I paid in excess of {$5100.00} in payments, only {$1900.00} was used to settle the debts- the other $ XXXX was taken in fees between Clarity and its partnering bank - XXXX 

What was even more alarming was the fact that I was recently asked to increase my payments to {$700.00} to {$900.00} to ensure the debts in litigation can be settled. When I requested that they just agree to make payments to move the claims out of litigation, I was advised that would not take place as they felt the goal was to settle despite the fact that any delay may impose a judgment against my person. 

After regarding the plethora of complaints against the company and the CFPB complaint outlining the predatory tactics, I wanted to share my story. I am so embarrassed that I am.in this predicament as it was my only goal as a single Mom to clear my debt to be able.to save for college for my daughter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian ph # XXXX XXXX XXXX Is reporting this fraud and identity theft on my report as a closed account please remove XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Account number XXXX XXXX XXXX XXXX PL XXXX XXXX, SD XXXX According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX XXXX XXXX XXXX ( XXXX ) XXXX Account number XXXX XXXX XXXX XXXX PL XXXX XXXX, SD XXXX According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing items on my credit report with all 3 of the bureaus and NONE of them have responded to me. I sent letters as far back as XXXX and have yet to receive a single correspondence from them for those disputes I did. I understand that there is a delay due to the pandemic but we are all going through it and under the law they still have to respond! There are still inaccurate items on my credit file that need to be removed and I need them to do their part and remove the items I have disputed from my credit file.
Product: Debt collection

Today, XX/XX/XXXX Regions Bank called us at our private number. 1 ) XXXX ; t know what tactic they used to get this, but it is a private number. 
2 ) They are calling about accounts that Regions Bank has acquired with a merger with Enerbank. 
3 ) Any account they would be calling us would have been closed and written off in XXXX, five years ago.

4 ) In the State of Texas, the statue of limitations in Texas is 4 years.

This company ( Regions Bank ) is trying to harass accounts which have been closed, and written off four years ago, beyond the statue of limitations in debt collection for an inactive account ( s ).

5 ) I request and have already requested Enerbank when they tried this to only contact us in writing and not our phones, We request Regions Bank, the same.

6 ) We also request that they cease contacting us on account beyond the statue of limitations in the State of Texas, which no payment, no activity has transpired in the last 4 years. 
XXXX ) Refrain from contacting friends and family. Thank you.
Product: Debt collection

XXXX I called a number that has been calling me and hanging up. When I spoke to a representative he brought up an account I owed. I asked if he could submit something in writing because I dont recall. He stated by law they only have to send one statement out. I told him I didnt receive it and if he could resend it. He told me no and how we can resolve it. He said if I dont recall he can help me recall over the phone. He did provide me with the collection agencies name Global Trust Management and my account number XXXX. He was not trying to provide me with what I asked over the phone. Very rude tone.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify -through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the records listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. i demand the following accounts be verified or removed immediately 1. 15 usc 1681b ( a ) ( 2 ) permissible purpose of consumer reports XXXX Account Number : XXXX Please delete immediately. 



By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

I provided both transunion and XXXX XXXX ) XXXX - showing no debt exists XXXX ) Identify theft report showing my information is being used without my consent, XXXX ) Opt Out letters - showing i revoked or rescinded any and ALL implied permission to creditors that were sharing or collecting my information without my permission and they still allow them to report in violation of FCRA and my written requests, ( see attached Documents ) all documents were sent certified mail and received but were ignored and not investigated at all, they have allowed creditors to report incorrect information for years damaging my credit and causing myself and my family to lose opportunities and pay higher costs for goods and services. both transunion and XXXX  are trafficking in my information for profit and therefore continue to violate FCRA in favor of the companies that pay them. 
they have allowed a bankruptcy to be reported without verification or validation as the courts DO NOT communicate with agencies, that means they paid for consumer information and posted it without consent or verification ( see attached )
Product: Checking or savings account

PayPal- negative {$7700.00} XX/XX/2020 Transfer Loading transaction details for PayPal- negative {$7700.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$7700.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want a removal of a credit remark. This remark is due to a late payment, that had occurreddue to changing of online payment portals - fromXXXX 
 Under the Fair Debt Collection Protection Act, I have the right to request that incorrect and unverified information be removed from my credit file. Wells Fargo moved their auto loan payment system from WellsFargoDealerServices.com to WellsFargo. I was under the expectation that it would be a seamless transition, as told to me by phone call to Wells Fargo customer care. Instead I realized I had to set up a new account on a different website. This is due to Wells Fargo error. Had perfect payment history with Wells Fargo before and after this. I have underlying causes and have been limited during covid 19. 

I was making payments on the Wells Fargo Dealer Services site until XX/XX/2020 when then found out it was no longer accessible, but by then it was too late. 

I have had perfect payment history aside from the late payment in XX/XX/2020 The customer service is horrible. I call up and feel like I am being berated by this company and they are mistreating me because of my ethnicity. I need this removed immediately or I will escalate.
Product: Payday loan, title loan, or personal loan

I took out a loan for {$1000.00} on XX/XX/XXXX from American First FinanceXXXX Bank. Bi-weekly payments of {$77.00} starting on XX/XX/XXXX. I made the first payment on XX/XX/XXXX for {$77.00}. The next payment of {$77.00} was due on XX/XX/XXXX, but couldn't make that payment. Instead I made a double payment to cover the XX/XX/XXXX AND the XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$150.00}, to be caught up. My bank account was debited twice for {$150.00} on XX/XX/XXXX for a grand total of {$310.00} One of the {$150.00} payments that was debited twice was returned back to me. Now on XX/XX/XXXX, the company attempted to debit my account for {$77.00} via my debit card. They state my account is past due, how is this even possible when my next payment isn't even due until XX/XX/XXXX? Something is not right here.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth follow-up 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 items 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX account is XXXX balance but my credit report still had all the loans and the amounts as if I still owe
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX agreed to a pay to delete agreement And promised that if i paid the debt in full that they would delete it from my credit report on all credit reporting platforms. 
They have not deleted the account from my report as it is still listed under collections. 

In addition, i did not give XXXX, transunion XXXX or any Credit Reporting Agency permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights to begin with.