23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX ====================================================== 1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I was contacted by XXXX from XXXX XXXXXXXX. He stated I was approved for a loan. He said to check my email. I saw the approval in my email. They made mobile deposits to my savings account and stated that I needed to send the money back via XXXX gift cards. The explanation was that it would be proven to them that I was who I stated I was due to there being alot of scams and fraud occurring. So they numerous mobile deposits totalling approximately XXXX dollars into my savings. They told me to send the money back via XXXX XXXX I told them that I don't have that app however I do have XXXX. Then they said ok well just return the money via gift cards like XXXX... So I gave all of the money back to them via XXXX gift cards. After that I was told that the loan check was being deposited and to standby.. I waited for that to occur and it never happened. A few days after that my savings account started stating a negative balance.. At that moment I understood I was just scammed. I immediately contacted Wells Fargo to alert them to what happened and they quickly closed that account and open a claim for me on my behalf.. Today I was told that because I authorized these people.. I now have a savings account that is- {$3100.00} and they can't help me... I've been a member of Wells Fargo for at least five years...
Product: Debt collection

In XXXX of this year I noticed a collection account on my credit file. I contacted National Credit Systems in XXXX, Ga this company was listed on my credit file. I spoke with a supervisor. I explained to the Collection Agency that the reporting was inaccurate and I had no knowledge of the original creditor. I ask that she forward over the contract and a copy of the license on file. She was very rude. I called several times to speak back with a different Supervisor from the one that hung up the phone on me. I believe her name was Mrs. XXXX.On XXXX the XXXX I called the collection agency again because I had not received any information ( contract with my signature ) from them. I called the original creditor and they seem to have went out of business seems to me this whole situation is fraudulent. The original creditor has no known address or phone number. This collection agency is breaking the law by placing fraudulent activities on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally dispute a collection account that appears on my credit report from XXXX XXXX, XXXX which I do not recognize. I am requesting that you investigate this matter and provide proof of the validity of this debt. If no proof can be provided, I request that this account be removed from my credit report immediately. Details of the disputed account are as follows : Account Name : XXXX XXXX XXXX Collection {$3000.00} I have no knowledge or record of this debt, and I have never been contacted by XXXX XXXX  or any collection agency regarding this alleged debt. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of any debt that appears on my credit report. I am exercising this right and expect a prompt response. Please provide the following information : A copy of the original signed agreement or contract. A detailed account statement showing all charges, payments, and adjustments. Proof of the assignment or sale of this debt, if applicable. Any other relevant documentation that can validate this debt. If you can not provide the requested documentation, I kindly request that this account be deleted from my credit report. Failure to validate this debt or continued reporting of this unverified debt can be considered a violation of the FCRA, and I will take necessary legal actions if required. I appreciate your prompt attention to this matter. Please respond in writing within 30 days of receiving this letter, confirming the actions taken in response to my dispute. Thank you for your cooperation. Sincerely,
Product: Credit card or prepaid card

I was offered a credit card through XXXX XXXX. The Cbna company did not disclose the fact that they were going to apply a hard credit check on me. I did not give my permission to have a hard report ran. I wasn't even in the market to get a credit card.
Product: Mortgage

I sent emails asking for them to recheck my XXXX XXXX so we could do conventional.He gave me a run around about time frame and tried to intimidate and frighten me about him checking it again.They made the loan for more than we ask for which put us over the threshold of equity making us need pmi. We ask them to remove some funds from the borrowed amount which wouldve been around {$2000.00} so that we would not need to pay the added insurance. This request was ignored. Also our past request for this insurance removal was ignored on the original mortgage We feel we are owed money for unnecessary insurance fees. It has been very frustrating. This is alot if money.
Product: Credit reporting or other personal consumer reports

I request a detailed description of the procedure used to determine that I have a contractual obligation from the date of account creation until the date of last activity. Please ensure this information is 100 % correct and accurate based on the total amount you claim I owe. Also provide me with the name, address, telephone number of each person who verified this alleged account that you have purchased or been assigned from the original creditor or account holder that vou are stating is your source for the inaccurate information that you claim is 100 % correct and accurate. Be sure to provide the name of the employee, the number that was called, their position in the company. 

I am sure you know that a printout of a bill or itemized document does not constitute verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I have attached the documents that were sent in response to my request. 
I require compliance with the terms and conditions of this letter within 30 days of your receipt, or a complete removal from my credit profile, in writing, of your claim.

After thoroughly reviewing 15 U.S.C. 1692g, I noticed multiple violations. As stipulated by the Fair Credit Reporting Act ( FCRA ), any information reported to credit bureaus must be accurate, complete, and verifiable. And according to 15 USC 1681b, this company has not provided sufficient evidence demonstrating that there is a permissible purpose for the reporting of this debt according to my facts. 

I am requesting that you thoroughly reinvestigate this. Make sure that all relevant documents and information supporting the validity of this debt are available for examination in a timely manner. Specifically, I ask for verification of the original creditor, the amount owed, and any applicable contracts or agreements such as the debt agreement. Please also provide proof that this company is able to collect this debt on behalf of the original creditor or any other subsequent purchasers. 
I require compliance with the terms and conditions of this letter within 30 days of your receipt. If you can not comply, I demand a complete removal of your claim from my credit profile in writing. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, attorney general, and appropriate county, state, and federal authorities. I also reserve the right to take private civil action against this company to recover damages. 

Stop all collection efforts, including communications such as phone calls, texts, automated messages and reporting to credit reporting agencies and/ or third parties until this request is fulfilled. Reporting inaccurate information to the credit bureaus is fraud. 

This notice serves as my final attempt to urge your compliance with the laws under the FDCPA and FCRA. If deemed necessary, I will seek legal advice, which may result in federal or small claims court action to seek damages against your company for violations, including defamation and false claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received an email from XXXX XXXX XXXX XXXX XXXX that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued. ( see copy of email attached ) In spite of this notice, I made a payment that was posted on XXXX/XXXX/2020 and another on XX/XX/2020. ( see statements attached XXXX However, XXXX XXXX XXXX NEVER sent me a new card in spite of them receiving payment 13 days after the date of this email. In XX/XX/2020, my credit report alerted me that I had a XXXX status on my credit report for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the creditor, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, on XXXX/XXXX/2020, I received the new card that the email stated that I would receive automatically. 
I have disputed this information several times through the credit bureau. I have even filed a XXXX XXXX. XXXX see their response attached, which had some discreptancies ) The creditor refused to assume any responsibility for THEIR data breach, lack of communication on current account numbers and reissuance of cards and THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this XXXX LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP. 
All documents proving these statements are attached. 
I am making this final attempt before pursuing legal matters stating how their errors is damaging my future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax Information/Consumer Services every day for the past 16 months. My information was compromised and although I sent in, police reports numerous times and identity theft reports that were filed. My information was not corrected, only verified as factual. 

I asked numerous times to have a security freeze placed, and although they confirmed it was done, it was not as I received notifications of my report being pulled ( hard inquiries ). This is ridiculous as they all say they same thing as they are trained robots or reading a script but not helping the people that are suffering from their lazy, inaccurate work. 

I have been forced to withhold my hand in starting life due to the incorrect information being reported that is proven to not be mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXXI filed a dispute with Experian. The dispute was for an account that I believed to be a duplicate. it ended up being my mistake as it was not a duplicate. However, once the agency settled the dispute, Experian marked my report for this account as being a charge off for XX/XX/XXXX. This is incorrect as this account was charged off 4 years ago and bought by another lender. this " new '' charge off status caused my score to drop. I have since disputed it 2 more times with the most recent beingXX/XX/XXXX. Today I received a notice that the dispute was settled, no changes made to report and my score dropped another 5 points as a result of the dispute. They are saying they are only reporting what the Creditor is telling them, however, when contacted, the creditor shows the account was charged off and sold a long time ago. 
the creditor is XXXX XXXX XXXX XXXX We just need them to remove the Charge off status for XX/XX/XXXX as it is incorrect. We are currently trying to buy a home and working very hard to clean up the credit report and this is only making things worse. I believe that because I filed a dispute on this account it " reopened '' the account. 
Thank you for your time. 
XXXX XXXX XXXX DOB:XX/XX/XXXX ss:XXXX  Contact # XXXX
Product: Credit reporting or other personal consumer reports

I am reporting ongoing challenges I have encountered while attempting to update my personal information on my Experian credit report. Despite XXXX attempts through various channels, the incorrect information persists on my credit report. 

Here is a summary of my efforts to rectify the situation : XXXX. Dispute Online with Experian : In XXXX XXXX, I submitted a dispute online via the Experian website to address the inaccuracies in my credit report. 

2. Certified Mail Correspondence : - XX/XX/2024 : Sent the XXXX certified letter ( XXXX XXXX Receipt Number : XXXX XXXX XXXX XXXX XXXX XXXX ) detailing the discrepancies and providing supporting documentation.

- XX/XX/2024 : Mailed the XXXX certified letter ( XXXX XXXX Receipt Number : XXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/2024 : Dispatched the XXXX certified letter ( XXXX XXXX Receipt Number : XXXX XXXX XXXX XXXX XXXX XXXX ) 3. Fax to Experian : OnXX/XX/2024 I also sent a fax to Experian, requesting that they update my personal information to reflect the correct details. 

Despite these concerted efforts, the inaccuracies persist on my credit report, adversely affecting my financial standing. 

Enclosed with this communication, please find : - Copy of the certified letter sent to Experian, including a copy of my ID and a utility bill displaying my current address. 
- Additionally, I am including a fax report showing the successful delivery of the fax. 
- Also I'm including a new utility bill as proof of address, and a Copy of my ID
Product: Credit reporting

I have contacted XXXX about XXXX inquires on my Transunion credit report on XXXX XXXX. I was told that they would contact Transunion removing the fraudulent inquiries. They have not. Then when I contacted them again, they directed me to Transunion in which they directed me back to XXXX. I am entitled to have these fraudulent inquiries removed XXXX Inquiry XXXX XXXX, 2015 XXXX Inquiry XXXX XXXX, 2015 XXXX Inquiry XXXX XXXX, 2015 XXXX Inquiry XXXX XXXX, 2015
Product: Credit reporting or other personal consumer reports

I CONTACTED COURT OF RECORD WHO HAS INDICATED THAT THEY DO NOT SHOW A RECORD WITH MY NAME, ( PLEASE SEE ATTACHED ) I CONTACTED CREDIT BUREAUS WHO CLAIM THAT LEXIS NEXIS HOUSES THIS INFORMATION. 

DISPUTED WITH LEXIS NEXIS WHO SAYS THEY GOT INFORMATION FROM PACER. 

COURT SAYS THEY DON'T PROVIDE ANY INFO TO BUREAUS OR CREDIT REPORTING AGENCIES. 

XXXX NEEDS TO REMOVE FROM THIER FILES PER XXXX, AND FDCMA REQUIREMENTS DUE TO MY PRIVACY AND INACCURATE INFO REPORTING. 

PLEASE SEE ATTACHED RESPONSE.
Product: Credit reporting or other personal consumer reports

I have continued to dispute the information from ECMC and Michigan Guaranty with the following statement : " I dispute all of the above. Fraud : no evidence I took out a loan or made a payment in XXXX or ever. I never received a bill in the mail, verification of loan documents with wet ink signature, supposed school I attended, etc. Please delete this. '' They used to take it off my report, but it keeps reappearing with these 2 loan servicing liars putting it back on as a new loan each time. It also used to be XXXX. To this date, I have never received a bill or any documentation from these companies for any fake loans in XXXX they claim I took out. I was never in school at this time. 

Lastly, the 3 agencies will not allow consumers to protect their identity using a XXXX.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found unauthorized inquiries listed that are not related to any transaction by me. I am a victim of identity theft. Below are the banks where the inquiries were placed along with the date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

There was a {$1000.00} unauthorized transaction which Venmo refuses to fix. Further, they refused to provide any documentation regarding why they are refusing to take care of the situation even though Venmo itself offered to provide ( and I requested ) such documentation. Also they will not call me to discuss even though I've asked multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal information was compromised and Im now seeing a CLOSED account from XXXX XXXX that was applied for fraudulently on XX/XX/2022 reporting on my credit report I have not applied for anything and this is not my account. 

I have file a police report with the XXXX police department and have filed a report in reference to this account XXXX XXXXXXXX
Product: Credit card

I originally called back in beginning of XX/XX/year> on 3 separate occasions requesting a replacement to my existing damaged card on my account unbeknownst to me and without my knowledge I was sent a totally completely different account number which I did not request only a replacement for the original existing account as well as problems accessing the credit card issuers website which I still continue to have problems accessing today XX/XX/year> 2025
Product: Credit card or prepaid card

On XX/XX/2018 I received an email regarding my account being unavailable due to a high volume of use within the company, I had been declined for a charge earlier that day note some of the documents are unavailable to me because I am blocked from my account. I had tried to call for 4 days with no luck there phone lines where busy the whole time and I was not getting through, on the 4th day which was XX/XX/2018 I got through to dispute a charge from an atm I had attempted to draw money out of but was declined and charged anyway. The customer service rep told me there where three charges total and being blocked from the account I didn't know any better so I let her dispute them, 3 days after that on XX/XX/2018 I tried to use my card for an {$8.00} purchase and was declined, after calling customer service they informed me that I was permenately shut out of this accounts which I also got an email for at XXXX and that any and all matter should be sent via mail to the consumer relations dept. so I wrote a letter and sent it that day. For the next 8 days I called everyday and wrote 2 more letters asking for my refund check to be issued. Under the circumstances I had {$240.00} left in my main account and {$4000.00} in a set aside account. The {$240.00} was issued and sent I received it today XX/XX/2018 but due to the remaining funds being in a set aside account they had to unlock it at this time it is XX/XX/2018 I called because they had taken a direct deposit on this permentley closed account from the Kentucky revenue dept. for {$720.00} now they have {$4700.00} plus I still had not received the {$240.00} yet so I called and they said that no refund checks had been issued but my account could be reopened and a new card issued so I paid bluebird {$20.00} out of that account to overnight me a new card I have emails for the XXXX tracking and the email that confirms my purchase on Saturday XX/XX/2018. On Tuesday XX/XX/2018 I received the new card I had been trying for 2 day to change the funding source so that I could transfer the money to another account with XXXXXXXX XXXX which was confirmed yesterday XX/XX/2018 I woke up this morning with another email saying my account was premenatly closed. This had been going on for close to a month I cant pay an attorney to fix it cause I live on a fixed income this could severely hurt my financial situation. I just want my money back.
Product: Debt collection

This creditor which was hired by XXXX was paid off in full. Myself and the company had a verbal agreement " if I continue to make payment the collection item will not be reported to the credit bureau. The account is now paid off and the company has reported it to all three credit bureaus. I paid the account off in full. Now the company is refusing to remove it from my report and saying I owe them {$110.00} which was paid off in full. I have spoken to a number of representatives each time the phone is hung up or I am transferring to full voicemail. I am requesting for this amount to get removed from my credit report and to stop falsely getting accused of owing money that I do not owe. The company is a SCAM. The last two payment of {$50.00} was paid on XX/XX/2022, and XX/XX/2022, as shown on the attempt. The company accused me of not paying the remaining balance of {$100.00}. and charged a late fee of {$10.00}