23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX says I owe for a credit card that was open to an address that I never even lived at I never took out or had a XXXX  XXXX card this isn't even my address where it was taken out please have XXXX XXXXXXXX delete this from my TransUnion and XXXX credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This not a duplicate this a letter Demanding the CRA XXXX, XXXX  and TRANSUNION that are violating the FCRA and Identity Theft identity law. 
The CRA are in-violation of Fair Credit Reporting Act 623 ( a ) ( 5 ) ( A ) Delinquency Date. CRA why are not reporting any delinquent date from your client XXXX XXXX XXXX XXXX and no delinquency history. CRA s  your XXXX account also does not state the status of the XXXX account Paid in good status, opening date of the XXXX account and delinquent date 90,120 days. The account just state Debit Buyer collection {$270.00}. 
Identity Theft violation XXXX, XXXX, TRANSUNION you allowed XXXX XXXX XXXX XXXX to create a hole new account in my Identity Type called Debt Buyer XXXX. The debt buyer account does not state whom XXXX XXXX XXXX XXXX. bought the debt from why? 
I am sending a letter from XXXX XXXX  stating they do not have a trade line to the debt and are not collecting the debt. Also XXXX XXXX  state they sold the consumer account to XXXX XXXX and for further information call XXXX XXXX. But on my credit report their are two accounts with a debit of {$270.00}. ( 1 ) XXXX XXXX for {$270.00} with an opening date of the credit card and delinquent date and payment history with no mention that XXXX XXXX sold the account. The ( 2 ) account XXXX {$270.00} Debt Buyer with no connection to XXXX XXXX. No Delinquent History. 
This is just a Scam between XXXX, XXXX, TRANSUNION and XXXX XXXX XXXX XXXX to threaten consumers to pay money for their profit. 
I am not going pay XXXX XXXX XXXX XXXX were all are going to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

All Credit Bureau reporting companies including XXXX, Equifax and XXXX are not doing the public fair service. They make up false statements about a persons ability to pay back the unsecured loans. The Banks offer all kinds of credit when you dont have anything borrowed and then squeeze the door shut and blame it on the Credit Unions. If you know anything about the Mortgage Backed Securities fraud during XX/XX/XXXX-XX/XX/XXXX Financial crisis the CREDIT AGENCIES FALSLEY RATED THESE SECURITIES. So the same thing is happening to consumers and I want an thourogh investigation into this practice. XXXX XXXX XXXX is responsible for some of my anger and have opened up an investigation of their own underwriting practices # XXXX where I tell them that I have a $ XXXX/ month income with a current Credit Card debt with payments of approxiamately $ XXXX/ Month and when asking for a credit limit they come back with false excuses on how they can not even temporialy raise my credit limit. 

This in itself is FRAUDULENT and UNETHICAL. 

Please call them on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the reporting from XXXX XXXX XXXX. They have posted the same debt 2 ( {$190.00} and {$210.00} ) times on each of the 3 credit agencies, and yet it appears to be for the same account. I placed a dispute on XX/XX/XXXX. I have yet to receive a response to their investigation. According to the FDCPA rules, they should removed all items I have disputed with XXXX XXXX XXXX.when the investigation takes longer than 30 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending certified, return receipt letters to XXXX  on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$5100.00} from CHASE, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long XXXX is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by XXXX, I am seeking that this particular inaccurate assumption is removed immediately.
Product: Money transfers

I made a {$600.00} money transfer to the XXXX thru Western Union at XXXX in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ. I was guaranteed by the staff who assisted me, named XXXX that my recipient will get the money transfer in US dollars. XXXX showed me the receipt in US Dollars, but on the bottom of it is a Peso conversion, but then she guaranteed again that they 'll get it in XXXX dollars. I trusted what she said knowing little on how to read a transfer receipt. The next day my father withdraw the money transfer from a WU in the XXXX and they said that the transaction was made in PESO not US dollars. This means that my father will receive the money based on WU exchange rate which is way cheaper than getting the Dollar and have it exchange in the bank. This incident is the XXXX time that happened. After the first incident i would normally double check my transaction with the WU staff, to make sure that the transaction is made in XXXX dollars, and i did n't have a problem, Until my recent transaction with WU last XXXX XXXX, 2015.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX : {$710.00} XXXX XXXX XXXX XXXX XXXX : {$490.00} XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2020, my wife contacted XXXX XXXX  about a flag that appears appeared to be a forbearance flag and spoke to a XXXX ( Employee ID XXXX ) and she stated that our account did not show a forbearance. My wife asked XXXX to get a letter stating that information along with a 12 month payment history. Unsatisfied with the conversation my wife called again on XX/XX/XXXX and spoke with a XXXX ( Employee ID XXXX ) and stated that the first worker, XXXX, did not include the proper request in their system notes. XXXX fixed the notes and my wife asked to speak to a supervisor. My wife spoke to a supervisor XXXX ( Employee ID XXXX ) where he stated that the flag was due to FEMA and an emergency flag was placed on our credit report. XXXX then stated that that a letter from XXXX XXXX  stating that we had never had a forbearance on our account and a 12 month payment history would be furnished by XX/XX/2020, but should be completed sooner to be email to my wife 's email address on file with XXXX XXXX. On XX/XX/2020, I called and spoke to a XXXX ( Employee ID unknown ) and he stated that he was not sure why my wife did not received the email with the requested letter yet because it was completed on XX/XX/2020. My wife had checked all of her email folders, including spam, and no email was received. XXXX stated that he would expedite a resending of the letter with the 12 month payment history. While we were in conversation he stated that the letter was being sent, which was XXXX XXXX PDT. By XXXX XXXX PDT, we had not received the email yet so my wife called again. My wife spoke to a XXXX  ( spelling unsure ) ( Employee ID XXXX ), where she said that the letter would be completed by XX/XX/2020. Unsatisfied with this answer, my wife requested a supervisor and spoke to a XXXX ( Employee ID XXXX ). XXXX, being very argumentative, stated that the letter would be completed the next day on XX/XX/XXXX. My wife inquired why we kept getting the run around and told her that we would just have wait. My wife asked to speak to XXXX 's manager or somebody in corporate. XXXX stated that we could not do that but we could mail correspondence to XXXXXXXX XXXX XXXX corporate office in New Jersey, He gave her the mailing address. My wife continued to ask XXXX more questions where he hung up on her. We decided to wait and when on XX/XX/2020, we had not yet received our email we called XXXX XXXX and spoke to XXXX ( Employee ID XXXX ) she said that she was unsure why the letter had not been sent but we would have to speak to the original supervisor XXXX and we could not speak to another supervisor. She then stated that XXXX was unavailable and he would have to call my wife back within 24 hours. I will attempt to contact XXXX XXXX  again but believe that it will be unfruitful.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair Credit Reporting act XXXX Account. The accounts below 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX  {$1400.00} XX/XX/XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX additional reporting multiple times XXXX XXXX {$3800.00} XX/XX/XXXX XXXXXXXX XXXX  {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX
Product: Debt collection

Aldous & Associates , PLLC at XXXX XXXX XXXX, XXXX, UT XXXX are contacting me regarding a debt that I do not owe. They are allegedly calling on behalf of XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. I have contacted XXXX XXXX who confirmed that they did not refer me to collections. I have contacted Aldous who refuses to provide me with a copy of a signed contract, proof of debt, proof of assignment of debt or any other requested information. 

XXXX XXXX is a licensed retailer of XXXX XXXX. XXXX, a XXXX representative, informed me on X/XX/17 not to contact XXXX XXXX XXXX as they are a scam. 

I just want to make sure that the attempted fraudulent collection of {$20.00} will not affect my credit and that Aldous be stopped from continuing these practices.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX, XXXX I am writing to formally dispute the late payment ( s ) reported on my credit report for my account number : XXXX. According to my records, the following late payment ( s ) were reported for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. Please respond to this request within 30 days, as I am committed to ensuring the accuracy of my credit report. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX XXXXXXXX Balance : {$9400.00} ; XXXX XXXXXXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  XXXX Balance : {$3600.00} ; XXXX XX/XX/XXXX.
Product: Credit card

Extra Debit Card- has been charging my bank account every month since XX/XX/XXXX, with the latest charge occurring on XX/XX/XXXX. However, I do not have a card with Extra, nor am I able to access the app. When attempting to log in, I receive an error message stating : Request failed with status code XXXX. 



Additionally, when accessing my account through a web browser, I receive a message stating that a card is on the way, which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

mI have contacted Early Warning by phone and by mail and made them aware that they are continuing to report fraudulent information against me, and I have informed them that the accounts that they are reporting were as a result of identity theft. Early Warning has told me that they do not care that they will not stop reporting this information unless the banks themselves tell them to not report this fraudulent information. I tried to explain to Early Warning in Writing and by phone that this was fraudulent information and that these accounts were opened when my identity was compromised in 2010, but again they have told me they are not concerned. I have sent them requests to delete this fraudulent information by phone and by certified mail and they have ignored my requests. I have made them aware that they were defaming my character and they were ruining me financially by continuing to report these fraudulent accounts and they have again told me that they refused to stop reporting this fraudulent information.
The fraudulent accounts they are reporting are the following : XXXX XXXX Routing Number XXXX  Account Number XXXX XXXX XXXX Routing Number XXXX Account Number XXXX XXXX XXXX Routing Number XXXX Account Number XXXX The above accounts were opened in my name using my correct personal information fraudulently and Early Warning refuses to do anything about it but to continue defaming my character by disseminating information they have been told was fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed a letter requesting an investigation for questionable accounts that were showing on my credit report. It has been almost two months and I still haven't received the results of an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX Bankruptcy XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXXXXXX account XXXX, XXXX  XXXX, XXXX XXXXXXXX account XXXX XX/XX/2012, XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXXXXXX XXXX account XXXX, XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX has violated my r ight s 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.
Product: Student loan

The federal student loan website, student loan studentloan.gov website says student loan payment due XXXX 

We applied for loan consolidation of ParentPlus loans and received a payment estimate which is {$200.00} less than current payment on Thursday XXXX 

As of today XXXX XXXXXXXX XXXX, I did not receive any update about the consolidation loan. 
Since the loan payment was due on XX/XX/ ( Saturday ), I logged into Edfinancial ( the loan servicer ) website and was shocked when the account summary page showed payment due is over {$4200.00} ( double the due payment ). 
I was not able to enroll in autopay. The Edfinancial website account summary page stated payment was due on XXXX and added next month XX/XX/ payment also. The Edfinancial website stated past due XXXX payment must be paid immediately, I paid the payment for XXXX immediately XXXX 
I made a call to Edfinancial to point out the error, no one is available. I am hoping back will happen in 24 hours. 
I made a complaint on studentloan.gov website. 

However, it is inappropriate that my account is marked as Late in Ed Financial website, when the Federal student loan.gov website stated and still states the XXXX payment is due on XXXXXXXXI have copies of these screens in pdf format. 
This appears to be an error of the servicers Edfinancial website.

Edfinancial must 1.Correct the payment due date 2.Allow autopay enrollment 3.Allow 0.25 interest rate reduction for autopay enrollment 4.Edit payment amount to the Consolidated plus loan ICR loan amount 5.Must send a copy of the corrected loan due date to me. 

I read online that Edfinancial " new '' website has many errors in the payment due date. Many borrowers have complained about Edfinancial 's wrong due dates. 
I would appreciate CFPB takes action on correcting this servicer Edfinancial 's website errors. 
Thanking You XXXX XXXX
Product: Debt collection

On XX/XX/XXXX my bill for XXXX dollars was send to collections. On XX/XX/XXXX I was incarcerated until XX/XX/XXXX I reached out to the company and they said they tried reaching me. they never notified me of the payments and just sent it to collections I now can not rent a apartment or get a car because of this mark on my credit report and the company will not help me with this unfair situation. I disputed this claim via certified letter on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have been experiencing an ongoing issue with Experians XXXX XXXX services for several months. Despite my attempts to opt for the free service option, I have been forced to pay the {$24.00} monthly fee without being provided with any alternative. This issue has persisted despite my efforts to resolve it directly with Experian, leading to a significant financial burden. I believe this is an unfair and deceptive practice, and I am seeking assistance in addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report looks not good. XXXX XXXX XXXX XXXX Where are these accounts came from. Im pretty sure that someone got my personal information. I dont know what to do now. My family is crying.
Product: Credit reporting or other personal consumer reports

Experian is biast when it come to investigating accounts disputes per section 609 of the Fair Credit Reporting Act ( FCRA ) I as a consumer have rights under Federal law, State Law to dispute any item that showup on my consumer report that i deemed inaccurate/fraud/unverifiable. I have asked Experian to delete the account by ( XXXXXXXX XXXX ) delete the account by ( XXXX XXXX XXXX XXXX ) delete the account by ( XXXX XXXX XXXX XXXX ) experian has never produced tangible, hard concrete documentation that actually shows a signed agreement with my signature on it, has never been able to produce the terms and agreements between me and these fraudulent banks section 623 of the Fair Credit Reporting Act states that tittle 15 United States Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 


Experian has run a foul of Fair Credit Reporting act ( FCRA ) by not abiding by tittle 15 united states Code 1681e ( b ) Compliance procedure ( b ) Accuracy of report 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. 

Experian pushed private corporate law on me which, that is not Federal law. Experian is liable for by violating such law under FCRA. provide me with section 611 your method of verification as to how are these accounts being verified and validated. An automated electronic system via e-oscar is unacceptable because it will come right back as if nothing got investigated. provide a reasonable a resonable procedure as FCRA mandates who was contacted? what real paperwork was actually snailed mailed to Experian by the data furnisher. what are the names involve in this investigation, what is their phone number with extention number, what department is doing the actual investigation into these accounts, what method of verification is the data furnisher doing in regard to the verification of these fraud accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : 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 a account without my written instructions