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

I have tried on multiple occasions to retrieve my Equifax credit report and scores both through the annual free credit report and directly through Equifax. I became aware of errors through XXXX monitoring service and have been trying correct them. 

On more than 7 occasions, I get errors on the Equifax website or I'm told my data input is wrong ( even though I'm 100 % positive it is correct ). On phone calls to Equifax, I've been on hold on 4 occasions for 35 minutes, 92 minutes, 67 minutes and 60 minutes respectively throughout the month of XX/XX/2018 but have not had contact with an agent. On 2 of those occasions, the line went dead after 35 minutes and 67 minutes.

Equifax presented an 'error ' message on the website stating I was required to submit any disputes via U.S. mail and would not allow access to retrieve, view or dispute credit report items. I was instead, offered a paid service if I wanted to view my report.
Product: Credit reporting or other personal consumer reports

I just recently noticed on XX/XX/2024 a collection was added to my credit report that didnt have permissible purpose according to the Fair Credit Act according to 15USC1681B. 

The Company is XXXX XXXX XXXX XXXX CO Amount XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX2021 I transferred {$1000.00} from XXXXXXXXXXXX  to Coinbase pro which was successfully transferred to Coinbase, the money is not yet posted. I contacted them several time but they are not helping me. My Coinbase case number XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding several issues I have encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing discrepancies.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that appears on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The inaccurate item in question is reported by " XXXX '' and does not meet the standards of accuracy, completeness, and verifiability required by federal law. 
The disputed account details are as follows : Creditor Name : XXXX Dispute Grounds : Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Under FCRA, credit reporting agencies must adopt procedures to ensure maximum possible accuracy of reported information. The reported balance, account status, and date of last activity appear inconsistent and unverifiable.

Failure to Properly Investigate Upon Dispute ( 15 U.S.C. 1681i ( a ) ) Credit bureaus are required to conduct a proper reinvestigation of disputed items. I demand a full validation of this account, including original documentation from the furnisher proving its accuracy. If such documentation can not be provided, the account must be deleted immediately.

Unverifiable Information Must Be Deleted ( Cushman v. TransUnion, XXXX XXXX XXXX, XXXX XXXX. 1997 ) This case established that credit bureaus must do more than rely on automated responses from data furnishers. If the accuracy of this item can not be substantiated, it must be removed from my credit report. 


Reporting of Inaccurate Information Constitutes Defamation and Negligent Enablement of Identity Fraud ( FCRA XXXX U.S.C. 1681o, 1681n ) If this account is not mine, or if it has been inaccurately reported, continued reporting may be grounds for legal action under both the FCRA and relevant state defamation laws.

Request for Immediate Action Conduct a proper reinvestigation and provide me with copies of any documentation used to verify this account.

If the account can not be verified with original creditor documentation, remove it from my credit report.

Provide me with an updated copy of my credit report reflecting these changes.

Failure to comply with these legal requirements within the statutory 30-day period will result in further action, including complaints filed with the Consumer Financial Protection Bureau XXXX CFPB ) and potential legal proceedings. 
I expect a response within the time required by law. Please send all correspondence to my mailing address listed above.
Product: Credit card or prepaid card

Apparently I see that you have not fixed the problem of my account where they are charging me 2 times for mattresses order # XXXX that I bought XX/XX/2017 3 years ago so I have no choice but to take action against you because that is missing of respect towards the client. I'm sorry but I already took legal measures against you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX that was paid off on XX/XX/2023. I have the proof. I called the company. They did not remove it yet they were reporting every 30 days before I paid it off. I disputed the account with Experian twice and even gave them the proof and they came back with the creditor has verified that the account is accurate. Which proved that Experian paid no attention to what was sent to them. I then called XXXX again and they still refuse to remove it. SOmething about 60 days. It is now XX/XX/XXXX and it's still not removed. The payment is affecting my dti and the information on my credit report is not accurate. Experian did not do its job and neither is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the following accounts and inquiries were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your prompt action to remove this information : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have a loan that originally cost {$6500.00}. My mother was convinced to pursue this loan. At the time I was XXXX years old and just trusted her. She signed a variable rate loan. To this day I have paid {$3900.00} in interest and XXXX in principal. I have attempted to reach an agreement and give them a lump sum. The companies response is simply that you cant negotiate your loan terms. I still owe XXXX because they raise the rate every quarter and I end up owing more than when I did in XX/XX/XXXX and it is not XX/XX/XXXX of the following year. If this is legal than I'm going to change careers and start taking advantage of kids in college and get them to sign loans under terrible terms.
Product: Credit reporting or other personal consumer reports

I sent a letter to Experian to on XX/XX/2024 to request an investigation on several accounts on my credit report. On XX/XX/2024, I received an e-mail from Experian stating they received a dispute and determined it " was not from me ''. Because of my concerns of how items were incorrectly reporting, I sent a very specific request. 

When I called yesterday and questioned the customer service representative, they were unable to substantiate why the investigation request was deemed to be suspicious and not from me. I have PROOF that I created and sent this request, and demand they honor that request within 10 days as to ignore it violating several of my consumer rights under FCRA.
Product: Debt collection

Portfolio Recovery Associates, which i hold no contract with & have never had any business affiliations with, reported a collection to y social security #. A debt in the amount of {$690.00}, has been reported to XXXX, XXXX & XXXX credit reporting agencies. I have requested validation of this debt on X/X/17, but Portfolio Recovery Associates have failed to respond to my request. And have yet to give any adequate proof.
Product: Debt collection

I entered a two year agreement with XXXX and as a part of that agreement I was supposed to receive a discounted rate for the full two years. However, after a year, XXXX removed my discounted rate stating that I did not fulfill the terms of my contract because I did not have any other services with XXXX XXXX XXXX. First of all, they don't offer high speed internet in my area, I have no use for a landline phone, and their cell phone charges are double what I pay with XXXX. Therefore, it would not have benefited me at all to add any other XXXX XXXX XXXX service and shame on them for trying to strong arm customers into using their inflated and inferior services! Also, this was not part of the original agreement and the representative on the phone stated I had received an email with a notice to the change of the terms and conditions. However, I could not locate such an email and neither could the representative on the phone. I tried for about an hour on the phone to remedy the situation, however I kept being told there was nothing they can do besides offer me other " deals '' that were all more expensive than the deal I had. Therefore I cancelled my service and they charged me an early termination fee. I feel that they are the ones that breached the contract, not me. For those reasons, I dispute the debt that has now ruined my credit by going to collections and constantly getting transferred. Also I would like to note, the Representative who first approached me about getting service with them told me that I would not pay an installation fee. I told him I was in the process of buying a house and would move in about 2 months. He told me that neither installation would be charged. However, when I moved, I was charged an installation fee. When I called about it, I was told they had to charge the fee. I was mad about it but didn't want to spend time and energy disputing it. If that were the case, I would have waited until I moved! Working with XXXX was a nightmare from the beginning. I wish I would have stuck to the original service I had with XXXX. I have disputed this collection with the first collection agency by mail, with all 3 credit bureaus, and with the most recent collection agency, Diversified Consultant, by phone and have been unsuccessful in each attempt because XXXX keeps providing a statement that shows the early termination fee. Yet, they still have not provided information showing that I was provided a change in terms, which according to them would have allowed me to cancel after a certain amount of days without penalty.
Product: Debt collection

Lockhart Morris and MontgomeryBE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I reached out to the courthouse and asking do the company report bankruptcies and if so to whom. The response that I got from multiple communications was that they don't report bankruptcies to anyone or any agencies. So if that is the case, how did the credit bureaus edify my bankruptcy as a 100 % accurate? They never did a investigation as to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly form a creditor of the consumer or from the consumer. 

They also violated my rights numerous of times. The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

According to : 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, According to : 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.
Product: Debt collection

Subject : Request for Removal of Inaccurate Charge-Off Under FCRA Section 1681 ( e ) ( b ) Dear Sir or Madam, I am writing to formally dispute the inaccurate information that appears on my credit report. Specifically, I am disputing the following account : Creditor Name : XXXX XXXX XXXX  Account XXXX Date of Charge-Off : XX/XX/year> Amount : {$46.00} The information regarding this account is inaccurate and incomplete. Under Section 1681 ( e ) ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they include in consumer reports.

I believe that your agency has failed to meet this standard in regard to the reporting of this charge-off. I respectfully request that you re-investigate this matter by contacting the original creditor to verify the accuracy and completeness of this information. If the account can not be verified or is found to be inaccurate, I demand that it be promptly removed from my credit report in accordance with FCRA 1681 ( e ) ( b ).

Additionally, under Section 611 of the FCRA, credit reporting agencies must investigate disputes within 30 days. If the charge-off can not be verified, the credit reporting agency is required to delete the inaccurate information from my credit report.

Please send me written confirmation once the investigation is complete and the inaccurate charge-off has been removed. I expect a response within the 30-day period, as required by law. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit card is not my account. I'm an authorized user and I'm not responsible for the bills
Product: Mortgage

our mortgage is sold to another lander and i have not recevied any info were to send money and we have not been late with our mtortgage for the past 5 years can we send to our old lander
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Robinhood, Robinhood Markets , Inc. is denying me to access my state and federal tax return. They are not giving me my stock dividends ( missing months due to the dividends vanishing ). They will not give me access to my account or simply close my account. They are requesting front and back pictures of my social security card and front and back pictures of my drivers license. Both of what they have received and I was told after recieveing that, my account will be accessible. Now, Robinhood is demanding bank account statements back to XXXX 3 pictures of my face ( left side, right side, front ), proof of where I live, where I make my money, proof of residency, and more. I have spoken to numerous Robinhood representatives whose names are XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX, and others yet no one has helped me resolve this issue. I am being sent around in circles with no true help. I already had a case open with my email but since it was not listed under my Robinhood account they could not truly help me. So now, this complaint is for further investigation between my issues with Robinhood. It has been 4 months and my account is still frozen. I have given them everything they asked for and no one will help me. I gave them the final bank statement and their employee responded to me and said that was a letter. It is absolutely NOT a letter, ITS A BANK STATEMENT. Why do you need to hold onto my money so bad? Why is this still a problem when you received everything that was asked for?
Product: Debt collection

I went to XXXX and told them Midland funding debt from XXXX, was not my debt. I got a letter that said they placed a hold on my account, and then they verified my social security number and Driver 's License, and re-imputed this information into their computer. Then XXXX XXXX XXXX, bank attendant told me it was not me, so it was cleared. Levy department said they would take care of it because it was not me. Then we get a new judgment from court allowing them to go after my joint account with XXXX XXXX. I believe they gave this information to Midland Funding which is a violation of my privacy, especially since they told me it was not my debt.
Product: Debt collection

On XXXX, I contacted Alpine Credit Inc with a request to validate the debt. They only provided a bill that has an account number and name on it. No other identifying details. The bill shows the amount in question as charged of or collection write off. In Alpine Credits Response they state they are not a debt buyer indicating they do not have to adhere to XXXX XXXX ( XXXX ). They continue to attempt to collect the debt, along with continue to charge interest. 
They have not provided the additional details required to validate the debt and confirm the bill is rightfully owed by myself.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following negative accounts on my credit report. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, I submitted a dispute with Experian about my XXXX  XXXX account that is reporting on my Experian tradelines. I was impacted by the covid-19 pandemic and was instructed by XXXX XXXX to contact the credit bureau to dispute the negative information reported on my account. My account was reported Thirty days late and XXXX/XXXX  agreed to delete the information and for me to dispute the account. 
The dispute was submitted on XX/XX/2020 ; on XX/XX/2020 I received a email stating that the dispute was completed and there was no change. 
Experian did not fairly or accurately investigate my dispute information. 
The error was not fixed on my tradelines.