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

After I got my credit report, I reached out and asked the credit bureaus to check to make sure all information reporting was complete and accurate according to 15 USC 1681i. 

I waited 30 days and never got any kind of response and here is my tracking number : XXXX XXXX XXXX XXXX XXXX. It's now been more than 30 days since then. 

Another thing that troubles me is that they didn't even record the current status of the disputed information! 

This is very aggravating because I now take care of my household and my mother 's household since she's sick now and Transunion has been holding me back from obtaining a vehicle to get my mother where she needs to go because according to the law Transunion is doing its job.
Product: Debt collection

In XX/XX/XXXX, EOS CCA reported a debt collection action against me of {$1500.00} from a XXXX account billed to this address ( not mine ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY In XXXX I noticed this on my credit report and I disputed it through XXXX. XXXX  informed EOS of my dispute and the company stopped reporting it to the credit reporting agencies on XX/XX/XXXX. 

It was still on my reports so I called EOS XX/XX/XXXX, and spoke to XXXX XXXX or XXXX? ) XXXX I confirmed the debt was from XXXX, and that the address that EOS and XXXX reported to the credit reporting agencies was the address above. I sent the collections agency a letter proving that my address is located in another city, that I have never had an address in XXXX and that I have not had a XXXX account for over a decade. 

XXXX a member of the " management team '' at EOS confirmed that this debt is under fraud investigation, that EOS is no longer the reporting agency of the debt. She told me that EOS received my letter of disputed address. 

I called EOS and spoke again to XXXX XXXX on XX/XX/XXXX. XXXX connected me to XXXX from the " management team '' who confirmed that EOS has opened a fraud investigation. They are no longer reporting the collection against me. They cant send me a letter that resolves me of responsibility though because they only have letters that state the total balance due. Apparently EOS does not have a process to resolve these types of mistakes that they have made. Perhaps they do not have any employees who know how to type a letter. 

On XX/XX/XXXX I spoke to XXXX at XXXX to have the item removed from my credit report. XXXX is unable to do that because she needs to hear from EOS that the debt is not in collections. Since the employees at EOS are not capable of communicating this, the debt is still listed on my report, damaging my credit worthiness. 

I don't know if the original debt was the result of someone using my name to obtain a XXXX account. But I do know that EOS is causing me harm by refusing to communicate with the credit reporting agencies and I am reporting EOS CCA for fraud.
Product: Prepaid card

I'm experiencing frustrating customer service in regards to true link financhal and I've actually received an email that was from true link the email said that true link will follow up with me soon and the email I received on the date of Monday XX/XX/year>XXXX  and lastly I am very unsatisfied with true link and if possible I'd want to request resolution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Reported Balance CHARGE_OFF XXXX $ XXXX XXXX  Account information Collection XXXX. 
XXXX XXXX XX/XX/year> Account Number Creditor Classification Last Payment DateDate of First Delinquency Contact XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX. 
XX/XX/year> INDIVIDUAL_ACCOUNT XXXX XXXX XXXX XXXXXXXX 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. states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions and crime which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person hall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate
Product: Checking or savings account

My two checking accounts, one savings account and one credit card all got closed with no prior notice or warning. Now I am being treated like a criminal, no one will talk to me ( except customer service, they transfer me, but no one ever picks up or calls back. ) I received letters dated XXXX  but my accounts were cut off XX/XX/, and I did not receive the letters until long after all this action had already taken place. 
No one will tell me when my money will be released, and I also am charged a wire charge fee I have never been charged before for no reason, as I am conducting legal business with legitimate vendors, and should not have incurred an extra charge while my money has been frozen and unavailable to me for almost two weeks now with no projected date of return, and no discussion from the bank as far as the process of returning MY money they are holding.
Product: Checking or savings account

Hello, I am a victim of identity theft. Someone has been hacking my accounts since the beginning of the year and I have called capital one to make several complaints. I have opened several claims with them but whenever they deny a claim, they never give me any type of investigation process or proof. I think it's completely unfair that they can just deny claims when I am literally telling them that I did not authorize these transactions. Can you please have them reinvestigate these claims and give me my money back. 
# XXXX # XXXX # XXXX I did not authorize these transactions and I have told them multiple times. Because of Capital One 's irresponsibility, I faced an eviction and lost my home. 
Please have them rectify this.
Product: Debt collection

The debt was paid in full total payment received {$140.00} on XX/XX/2019 Creditor XXXX XXXX XXXX XXXX. Collection agency ERC collected {$140.00} Plus theyre over the phone fee of {$1.00} Totaling {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

List of Fraudulent Hard Inquiry That Needs To Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After checking my credit report from XXXX I found numerous inquiries that I did not consent to. these companies have violated my right to privacy and used my information without my knowledge. I do not know how these companies got ahold of my information and I understand that it is the responsibility of the consumer reporting agency to verify and make sure the information being reported is fair and accurate. My information was apart of a data breach and could have easily been compromised and exploited by these companies. After contacting XXXX I was told that there is nothing they can do multiple times. I understand that i have certain rights and laws that protect against these things and do not wish to pursue any legal action as long as the outrages amounts of inquiries are removed. 
Supreme lending on XX/XX/scrub>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, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  home equity loan was refinanced by XXXX XXXX. XXXX XXXX  sent XXXX Home Equity a payoff check which they cashed, but never applied to my loan. I was stuck paying 2 home equity loans for months. I tried multiple times to get this resolved and escalated with both companies to no avail. XXXX XXXX finally had to reissue the check and send it again to XXXX. The check was received in XX/XX/XXXX and loan payoff was backdated to the original payoff date of XX/XX/XXXX. All monthly payments that were drafted from XX/XX/XXXX through XX/XX/XXXX were returned to me by XXXX. However, XXXX reported me 120+ days past due on my credit report in XX/XX/XXXX due to all of this. I was never late on any payments as they were auto debited from my account. I was even making two HE payments while all of this was resolved by the financial institutions. This prevented my husband and I from purchasing a home at the time because we couldn't get the title sorted out.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/year>
Product: Debt collection

On XX/XX/2018 - I disputed this debt in writting with AR Resources , Inc . This medical debt, is from XXXX XXXX XXXX XXXX. I have never received treatment of any kind from this group. This is either mistaken idenity or the result of fraud. I suspect, fraud. A woman was using my personal information fraudulently. Either way, I was never treated by this medical group. And want them to stop reporting this inaccurate information to XXXX   consumer credit.
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit reports and found various inquiries that did not belong to me and was not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Accounts Affected Fraudulent Information on Credit Reports FTC Report Number : 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  of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit bureaus to check anf make sure everything was complete and accurate according to 15 usc 1681 ( i ). 

I waited 30 days and I haven't recieved nothing here is my tracking number # XXXX. It has been over thirty days.

And one more thing, XXXX, XXXX, and Equifax didn't record the current status of the account being in the disputed status. 

XXXX, XXXX, and Equifax is holding me back from getting a new house and car. This is very fustrating, because I am trying to improve the life of me and my family and XXXX is not doing its job according to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 If you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Debt collection

I checked my credit and saw two accounts from XXXX XXXX XXXX/CAPIO from XXXX XXXX OF XXXX IN THE AMOUNT OF {$380.00} and {$120.00}. Please be advised these debts reported is a VIOLATION of the HIPAA Act of 1996. When I received service from the facility, I made them aware that I was a vagrant and needed financial assistance. 

XXXX XXXX XXXX/CAPIO did NOT provide me with any correspondence about this debt or the right to dispute nor did they request a HIPPA release to release my medical information to them. Therefore, they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX XXXXCAPIO should this item not be deleted within the required time allowed by law. 

XXXX XXXX XXXX/CAPIO is in direct violation of HIPAA regulations, and are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX, XXXX  and XXXX   as well, since they are incorrectly reporting this debt, too. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money
Product: Checking or savings account

XX/XX/XXXX To Whom It Might Concern, This is an official complaint against E*Trade Bank XXXX Checking account # XXXX For the last 1-2 months I have been calling E*Trade over and over again requesting copies of bill pay checks from XX/XX/XXXX to XX/XX/XXXX. They are XXXX checks made to XXXX and XXXX XXXX for {$300.00} and {$330.00}. Those payments were made to XXXX XXXX XXXX XXXX XXXX XXXX and Im being threatened by the association to send my account to collections. 

Today I talked again to E*Trade, XXXX XXXX XXXX at XXXX and also many many times. I was told today that they can't provide copy of the checks as the bank E*Trade can go back 6 months only. 

Thank you, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. XXXX Fx. XXXX Email XXXX XXXX
Product: Debt collection

This company has put my account on a levy without any notification. I keep calling them along with XXXX to give me any and all proof that this is my account and they will not disclose to me.
Product: Checking or savings account

I was discriminated against after speaking with XXXX and XXXX it was decided to try this letter with XXXX the CEO of Huntington Bank to fix things, XXXX XXXX, retaliated against me because she was not responding to my phone calls or emails, therefore I went above her head and emailed XXXX the CEO of Huntington Bank, which than got XXXX very upset and she called me right away and said now I'm going to put your claims down as authorized, when my identity had been stolen and those claims were unauthorized and the bank was still working on XXXX batches of claims one of them was over XXXX XXXX dollars which was found by one of their own employees, the bank agreed fraud all along this case until XXXX got upset that I went above her head, XXXX XXXX XXXX retaliation is not allowed and very wrong as well as discriminating against a XXXX XXXX on a fixed income, I have been pushed to the edge with the incompetence of this bank it's absolutely unreal, I'm filing this complaint because the fraudsters have found me at my new bank and even tried to pretend to be a Huntington Bank employee to come back they will fix everything, that came through XXXX that is evidence I believe that my identity has been stolen. I emailed copies to the bank of police report, my XXXX  stays etc I want this authorized information changed because it is incorrect and I want my funds the bank owes me I don't care about the account beign closed, just pay me the funds you owe me, and change the fact my identity was stolen these claims were unauthorized Thank You XXXX XXXX
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, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Also, according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to 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

XXXX sold its services to XXXX after the buyout. XXXX has absolute crap services. They then sold the local towers to XXXX. Which dropped my service for several months. XXXX then forced me to get their sim card. Which Absolutely did not work. For 2 weeks I had no service at all. While XXXX XXXX overseas staff kept trying to " verify '' my service on my phone. WHEN MY PHONE XXXX DIDN'T WORK AT ALL. Making me go out and buy an entirely new pre-paid phone just to speak to them. 

They were so ignorantly stupid and couldn't figure out basic english to understand that the SIM CARD, did not work. So they COULD NOT text me a verification code. They would repeat it over and over, even their idiotic managers. They couldn't find out a way to Verify who I was, without the SIM card phone being able to get the text. They couldn't sent me the sprint sim cards, because all the networks were on XXXX VAST largest network ever. Which didn't work in my area. WHY? Because they sold the towers to XXXX. 

Over the 3 months, I demanded refunds and for them to cover the costs of the items on the account. They put a LOT of credits on the account because the nonsense of having 3 months of no service was absolute XXXX. After they issued the largest credit, I waited 2 weeks. The issues were not resolved when they sent the new sim card. AFTER TELLING THEM FOR 3 months that the T-mobile sims do not work in my area. They were too XXXX to figure it out and sent me MORE XXXX sim cards. 

I ported my account after paying the last bill and making my account XXXX balance. And went to another company. 4 months of no service was absolute XXXX. 

After I ported, They reversed the credits and then tried to charge my account and tried to claim I owed them for phones or other devices that weren't paid. Yet when I directly ask them about the credits. They claim they saw them. But see that they were reversed. 

Then it's not my problem. They reverse the credits. It's their issue. I'm not liable after 4 months of no service.
Product: Debt collection

Received a call from an " investigator '' on " a case brought against me. '' She identified herself as XXXX XXXX from XXXX and started asking me to identify myself by giving her personal data. When I asked what the acll was pertaining to she refused to tell me. Upon giving her my personal info she said it was re repossesion of my car. I called the bank and resolved the issue removing my car from repo. Calling her back to notify her she said she would call the bank, that my car still needed to be repossed or I would be taken to court. This is after I resolved the matter with the actual creditor. She is with a third party who was n't even able to discuss the particulars of my matter but still wanted to interject. I 'm now fearful that the agreement with the bank will be reversed after it was resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received the copy of my credit report sent to me by your company and found that you are reporting the below accounts after I have asked for them to be removed. The below accounts are Authorize user accounts, in which I have no legal obligation to repay, however because of their balances and payment history, they are hindering and hurting my credit file and making it impossible to obtain a mortgage due to debt to income ratio and negative reporting. Once my request wasnt granted via the telephone, I then sent the request in writing in which your company told me my request was suspicious and frivolous. I dont understand why removing an account I am not responsible for is such a challenge. Please remove all authorize user accounts, they are no longer needed for credit rebuilding.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the XXXX. I filed disputes with these bureaus XXXX plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up XXXX day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.