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

To whom it may concern, lately, I checked my credit report and since I do not do it very often, I was shocked to see unverified, inaccurate and false accounts on my credit report reported by two collections agencies XXXX XXXX and XXXXXXXX XXXX. I contacted all three credit bureau ( Equifax, XXXX and XXXX  ) and they all sent me a letter telling me that these accounts meet the requirements the FRCA. How is that possible? I wonder myself. For two, I had all types of troubles getting credit and getting service and I did not know that the reason I was going through so much trouble was because the credit bureau were colluding with these two collection agencies. 
I sent them letters and XXXX  did not even bother to reply to my dispute. I sent two validation letters to the collection agencies and it is still pending. I see no movement. 
According to established state and federal consumer protection laws, they are required to verify all accounts you post onto a credit report, and to make the information you have used to conduct this verification available to consumers upon request. Since, they said that everything is verified, it is my right to ask them to provide me with the information you have used to verify these accounts, namely, the original consumer contract with my name, signature and other identifying information on it which pertains to each negative account listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and I can't get any help to fix this ... all my credit is jacked up I can't open anythng because so much was done. Plus the data breach on Equifax and my stuff is not good. It should be open and shut case. I was incarcerated from XXXX XXXX XXXX to XX/XX/XXXX XXXX any and. All accounts opened nduring that time were fraud and there was alot of that and inquires. How no one would notice and freeze my credit based on how the credit was being used. Anyway I come to this and I canf even open a account for XXXX. And if I try to open anything it goes bad to worse because all the Bs from the fraud me adding a inquiry just doesnt help. Anyway the police report on file is by la XXXX XXXX. XXXX XXXX case # XXXX. I've told the credit bureaus all this and nothing. They " investigate and come to the conclusion that I did open. The accounts ....!!! Shaking my head. How??. Please help. It's hard as it is XXXX XXXX XXXX XXXX XX/XX/1986. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX. XXXX XXXX XXXX. XXXX ) XXXX. Current info. Please update please indemnification is needed in store and so I can live. Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not 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. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. XXXX is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Transunion is breaking the law. In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. This is in clear violation of my rights. This has caused severe XXXX, hardship as well as severe XXXX  to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. 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.
Product: Debt collection

While checking my credit report, I noticed accounts that was opened fraudulently in my name. Someone used my personal information to open fraudulent credit accounts in my name. I filed multiple identity theft claims against them.
Product: Credit card or prepaid card

My card was compromised. On XX/XX/2019, I was traveling to XXXX, FL, I called Ameican Express Serve and notified them that I would be traveling and not put a security alert on my card, I was told that there would be no issue. I got to XXXX, FL and loaded my card only to get to my hotel and the security alert was placed so, I could not use my card. They lifted the security alert. I got back to XXXX XXXX, FL on Monday, XX/XX/XXXX and I really had not used my card or checked my balance. I made a transaction for XXXX, I checked my balance on XX/XX/2019 and realized there had been fraudulent activity on my card. I call American Express Serve and notified the of the 3 Fraudulent Transactions. I was immediately told that I would have to wait for 10 -45 days to receive my monies. However, I advised them that I have never used my card in XXXX Florida nor have I ever used my card at a XXXX   XXXX. The transactions occurred in a place where I have never been or shopped. I asked why didn't they lock my card as they had done when I called and alerted them to the fact that I would be traveling to XXXX, Their answer was because I traveled to a different state. I laughed and told them XXXX is still in Florida. I don't feel I should have to wait for my money, because they have the technology to see that I have never shopped at XXXX XXXX, nor have I been to XXXX. I am a single parent and those are monies and it isn't fair that I have to wait, especially when they know that I have never shopped or utilized my card in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Money transfer, virtual currency, or money service

There was an international wire transfer initiated in the XXXX that was sent via XXXX to Wells Fargo that was supposed to be sent to XXXX XXXX XXXX XXXX. The amount was for {$91.00} and the transfer was sent on XX/XX/2020 and was supposed to arrive on XX/XX/2020. It has been held up by Wells Fargo ever since. I have attempted to contact XXXX, but since I'm not the sender, I can't talk to them about the transfer, I tried contacting Wells Fargo, but since I'm not a customer of their 's, I can't talk to them about the transfer. I tried contacting my bank, but they can't do anything for whatever reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/1984 In accordance with the Fair Credit Reporting act The following agencies are violating my rights. 

XXXX XXXX  XXXX : Account Number XXXX XXXX : Account Numbers XXXX XXXX : Account Number XXXX XXXX : Account Number XXXX XXXX  : Account Number XXXX 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 fumish 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 itern of information, other than records of convictions of crimes which antedates the report by more than seven years.

In 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.

I did not consent, so please remove accounts/late payments listed above
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Mortgage

Last year the mortgage servicer sent me a letter that I did not have insurance coverage and they were putting forced place on the account. I sent them proof of payment and policy coverage and was informed the issue was resolved. XX/XX/XXXX I received another notice of XXXX for XXXX and saw that they had been charging me for XXXX XXXX XX/XX/XXXX I submitted through their online ticketing system documents showing proof of XXXX and XXXX coverage asking for the XXXX to be refunded. No response. Between then and now I opened XXXX more online tickets, emailed and called multiple times to no avail. The servicer told me verbally that the XXXX would be refunded and once refunded the insurance would be removed from my escrow and a new analysis performed to correct my monthly payment. They instead left the XXXX on, paid my XXXX policy that I already paid directly and sent proof of payment for and did another analysis raising my payment yet again. Each time I submit in writing it is ignored. When I call they tell me they are fixing it but it will take weeks to correct then make the issue worse. And tell me it will take weeks to correct their errors. I spoke with them on XX/XX/XXXX and was told the XXXX was being removed and the escrow closed off my account. Today I got a letter telling me that my taxes are being removed which I did not want or ever discuss and also an alert that another analysis was done including the insurance and increasing the payment further. I have been told the XXXX was refunded but their website does not provide a view into the escrow account details so I have no means of verifying this. When I called today and read the tax escrow letter to the agent I was told I was wrong that was not what the letter said, rather it merely said that they were working to fix my account. I read the letter back twice which in no uncertain terms stated that my tax escrow was being closed out. I have tried every avenue of communication and am at a loss of how to proceed. They continue to make further errors instead of resolving the issue and now for XXXX I will be overpaying by almost $ XXXX for the XXXX month in a row into my escrow account because they will not correct my payment. As a consumer I have no control over who services my mortgage and the servicer has not demonstrated responsiveness, competence or concern for the time and financial burden this has caused. They simply do not respond, their phone system is automated and loops you continuously through a menu so that often you can not even get to a representative and when you do they pass you around and put you on hold until you give up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICE ALOT OF HARD INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE I RECENTLY GOT A POLICE REPORT IM GOING TO ATTACH IT TO MY CLAIM XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXE IN 05/3XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 U.S.C 1681. The XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX using different names acct # XXXX also put it as a charge off and a collection ( XXXX XXXX XXXX ( {$600.00} ). 
XXXX department store acct # XXXX XXXX XXXX XXXXXXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604A. 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 reporting containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX,2017 my daughter, a friend and myself were contacted by a " lawyer '' claiming that I was being sued for an overdraft fee from Wells Fargo. I had a bank account there over 9 years ago and I have never received anything regarding any outstanding fees. He threatened legal action if I did not pay immediately. It supposedly came up as XXXX County nj but came from a Texas phone number.
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification, I want a real human being to read this complaint. This is a NOTICE for GENERAL COUNSEL. I have complained about this matter before, but Experian has not yet fixed the problem nor has compensated me for federal consumer violations and damages. Experian continue to furnish XXXX DEPARTMENT OF EDUCATION. I will have proof of my claims attached and I will have my XXXX attached. Also, an invoice will be attached below. If we can't come to a fair and reasonable resolution, then I fully intend to pursue XXXX.
Product: Credit card or prepaid card

Capital One fraud protection called me on XXXX XXXX saying someone tried to open a new credit card in my name. & they closed the account and told me to contact my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I went to the TransUnion website to get a free copy of my credit report. I went to their webpage ( https : //www.transunion.com/ ) and clicked on a button called my credit score & report, which takes you to another page that is titled Be in the know with TransUnion- see your credit score now. I filled out the first page which asked for my name, address, bithday, and last four numbers of my SSN. I clicked on to the next page. This asked me for a user name and password, SSN, and then asked for my credit card information. I wanted my FREE credit report, so I tried to submit my request without entering an credit card information, but it would n't let me continue. I searched the rest of the website for a way to get my report without entering a credit card number, but I could not find a way. I decided to enter my card information and thought that it would warn me before charging for anything. But it did not. It automatically signed me up for their credit card monitoring and charged my credit card twice. I was able to cancel the service on the website, but after multiple calls to TransUnion, I was not able to get a hold of anyone to give me my {$19.00} back and warn them of this error. 

As far as I know, this was my only option for getting my credit score and I was not warned in a clear manner that I was enrolling for a paid service. When I went back to the website to double check that I had n't missed anything, I noticed that on the first page of the sign up ( that asked for my name, address, birthday, and last four of my SSN ) there was a picture on the side that looks like an ad that says, You have chosen : Credit Monitoring for $ XXXX/month. I think that is really sleazy business practice. 

I 've attached screen shots of the website.
Product: Prepaid card

I received an AMEX gift card and I am not able to use it anywhere online or in store. 

These virtual card is declined online ( XXXX, XXXX, XXXX, XXXX XXXX to name a few ) and in brick and mortar stores, at restaurants and grocery stores, or XXXXXXXX XXXX  - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my usable virtual card to a physical card. They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their card for a few months. My money is inaccessible. All I want is the total balance on my cards in cash/check. 

Card number : XXXX
Product: Credit reporting or other personal consumer reports

This company keeps posting incorrect information to report to purposely hurt my score. 

Then they correct it then they do the same thing wait a month and report false incorrect information to bring down my score and then correct it. 

This is not following FCRA rules i ask that they delete this account from credit bureaus seeing they are missing it and not following fcra.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a redundant or repeat complaint. 

XXXX refuses to provided information : ID verification, application information for a loan that they claim I applied for in XX/XX/2013. 

They do not respond to phone calls and there is no way to get through to them to handle this issue. 

I am including yet another police report that I had to refile as the previous was sent to them years ago. 

There is no way to contact this company and the phone number listed in their responses goes unanswered. 

They have listed multiple amounts due for a loan not owed. The bank drafts were disputed and refunded by my bank. This has been an issue for 6 years and the company refuses to address it.