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

Im accordance with the fair credit reporting act XXXXXXXX # XXXX account name XXXX XXXX XXXX ( account # XXXX account name XXXX XXXX  ) ( Account # XXXX account name XXXX  XXXX XXXX  ) ( Account name XXXX  XXXX account # XXXX ) account name XXXX account # XXXX 15 U.S.C 1681 section 602 A state I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 it alsos state a consumer reporting agency can not fumish a account without my written instructions
Product: Debt collection

This organization contacted me today regarding an alleged debt owed to XXXX. During this outbound call to my cell phone ( A violation of TCPA as I had communicated to the original creditor I did NOT wish to receive calls to my cell phone ) their agent NEVER made an attempt to verify my identity in any way, simply asking " Is this XXXX? '' before going immediately into the details of the alleged debt I owed. I attempted to enact a verbal Cease and Desist and request Verification of said debt to which I would respond with the appropriate proof of my dispute. Their representatives refused to take my verbal request and promptly hung up. I called back and insisted on speaking to a supervisor. I was then connected to " XXXX ''. This girl informed me that " no verification was needed '' even though they used the Mini Miranda, because their client told them it was n't required. This is absolutely FALSE. FDCPA AND NY State law requires proper verification of identity PRIOR to disclosure of any alleged debt or use of the mini miranda. If their thinking was correct, my son, whose name is also XXXX, could have answered and would have been subjected to this nonsense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am speaking about Transunion, XXXX, and XXXX. The report shows I owed money to the company that I have already repaid. On some of the reports it has duplicate. They are student loans ( dept of education ), some have XXXX also reporting.
Product: Debt collection

The amount & account Ive never had access to and they removed it before but then added back to my account
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found several items to be inaccurate or fraudulent. 
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) I have attached an FTC report. Please remove the those items from my report, immediately.
Product: Student loan

This complaint is regarding EdFinancial in regards to the Cares Act student payment refund made on all federal student loan payments from XX/XX/XXXX. I had to call two times because the first operator was unable to locate my payment history. My federal student loan provider use to be XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, but then my account was transferred over to EdFinancial. I have all the confirmation numbers and receipts for all my payments, but it took the second operator a while to find my payment history. I requested a refund for all of my student loan payments on XX/XX/XXXX at XXXX XXXX. No confirmation of request for the {$5400.00} amount was sent to me. EdFinancial is giving ranges of 150 business days to a year while other service providers are processing within 4-6 weeks and sometimes within 2 weeks. EdFinancial was fined for misleading consumers and they had a data breach too. I have called two times afterwards to check the status of my refund and they have no information to provide. They keep saying it will take up to 150 business days and each operator says something different. EdFinancial is so disorganized and not providing any status update on the refund request. It has been six weeks already since I made the original request and I still have heard nothing from them.
Product: Debt collection

XXXX XXXX WAS PAID TO STOP COLLECTIONS AND REMOVE FROM MY CREDIT REPORT. I DONT OWE XXXX XXXX OR NCB MANAGEMENT FOR ANYTHING ANYMORE AND WANT DEBT REMOVED
Product: Student loan

I received an email from ACS on XXXX XXXX, 2017, prior to this date I had not received correspondence from ACS. This lack of communication hinder my ability to pay and to update the company about my medical XXXX. I need to access information on the loan to make a full payment an close the account, but the ACS website does not allow me to register and gain access to my loan information. I am left unable to pay as interest accrues.
Product: Credit reporting or other personal consumer reports

This is a formal request, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), to update and permanently remove all inaccurate and outdated personal information from my consumer file. 
Pursuant to : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports o Reporting outdated or irrelevant personal information, such as old addresses, incorrect names, or inaccurate employment data, violates the requirement that only accurate and relevant information should be reported.

15 U.S. Code 1681g ( a ) Disclosure to Consumers o As a consumer, I have the right to ensure the information being reported is both accurate and complete. Any failure to disclose accurate personal identifiers undermines the integrity of my consumer file. 
15 U.S. Code 1681e ( b ) Maximum Possible Accuracy o Your obligation to maintain reasonable procedures to ensure the maximum possible accuracy of reported information includes the accuracy of my personal information, such as my legal name, current address, date of birth, and employer.

15 U.S. Code 1681i ( c ) Statement of Dispute o If you can not verify the accuracy of the personal information in my file, you must either remove the unverifiable information or include a statement of dispute, as required by law. 
My Accurate Personal Information Is as Follows : Full Legal Name : XXXX XXXX Date of Birth : XX/XX/year> Current Employer : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AL XXXX
Product: Debt collection

Southwest Credit Systems keeps calling my phone constantly. I did answer once to see what they wanted. I told the lady to stop calling because it was illegal and she called me a XXXX before I hung up. This debt is for XXXX originally and it was under another CA called XXXX XXXX  for awhile and removed and now it's is back under this new CA. This is bringing my score down because they even put on there that I was 60 days behind. I have not been with XXXX since 2014 when the account was closed. They are re-aging this account and I know that's is illegal to do. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have addresses on my report that doesn't belong to me, and my name is also spelled incorrectly. This is inaccurate and its hurting m ability to get credit.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Within Equifax the accounts of XXXX XXXX Account XXXX is not mine and XXXX Account XXXX is not mine and I have reported it to the police. The account has not been removed from my credit report. I have attached the police report to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Would like my credit file corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and DISCOVERBANK with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part. I was never 30 days late last XX/XX/2015.
Product: Checking or savings account

Wsfs charged me over XXXX  in overdraft via illegal deposit staging, then took the account to court and garnished my wages. Now they are reporting it as if it was a credit card account to 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear XXXX Customer Service, I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries that have appeared on my credit report as a direct result of identity theft caused by the XXXX data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information from my credit file upon receipt of notice and supporting documentation. 
The accounts and inquiries in question include : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To assist in your investigation and fulfill your legal obligations, I have provided the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report The XXXX data breach exposed my personal information, which has resulted in fraudulent activity on my credit report. I expect XXXX to take immediate action to rectify the harm caused by this breach and comply with its legal obligation under the FCRA. 
I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if XXXX chooses to reinstate any of the disputed items, I expect a detailed explanation, along with the evidence used to validate their accuracy. 
Failure to comply with my request will result in further action, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. 
I expect a response and resolution within the legally required timeframe. If you need further information, you may contact me directly at the information above. 
Sincerely, XXXX XXXX XXXXXXXX  Enclosures ID Proof of Address SSC FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

There is still a XXXX XXXX XXXX XXXX credit card on my report. I have submitted numerous complaints against XXXX. I told them repeatedly that fraudulent charges were made to the account and XXXX did nothing. It has remained on my report this entire time. I will never do business with XXXX again. THIS DEBT IS OVER SEVEN YEARS OLD, IT MUST, BY LAW, BE REMOVED FROM MY CREDIT REPORT. PLEASE REMOVE IT IMMEDIATELY. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX, XXXX and Experian are reporting 10 inaccurate late payments for the XXXX with the account number of XXXX. This includes late payment ( s ) 30 days from XXXX XXXX, 30 days from XXXX XXXX, 30 Days XXXX XXXX, 60 Days XXXX XXXX, 60 Days XXXX XXXX, 90 Day XX/XX/XXXX. It also includes 30 Days XXXX, XXXX, XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in ( Credit Bureau ) violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that ( Credit Bureau ) has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Product: Debt collection

MRS Associates never once contacted me regarding the account in question. When I called them on XX/XX/22, after realizing my credit had been negatively impacted, they claimed that they did call my phone number. I asked if they ever left a message or spoke to me. They admitted they did not and stated they did not have to leave a message, that I should have called them back ( no phone number/company appeared for these calls that I can tell, and I am not in the habit of answering unknown callers to avoid spam/sales calls ). I stated that merely calling without actually leaving a message could not possibly fill the legal requirement for calling me and they stated that it does ( the representative I spoke to at XXXX, agreed with me that they did not meet the legal requirement and recommended that I complete this form ). I asked how they could place the derogatory without actually contacted me, and they then claimed that they texted me. I very vaguely remember texts about a Spectrum account. These texts did not state that they were a creditor in the texts, and I did not have a Spectrum account for over a year at that point, so I believed it to be spam and eventually sent a STOP message. Additionally, they claim they emailed me, but stated an email address that is not my actual email address. Finally, I did not receive any paper letters. If they had my phone number, they at minimum should have left a message stating who they are and requesting that I call back since it is common practice to not answer phone calls for unknown numbers and instead assume it is a sales-call or the like. When I called XXXX, they confirmed that calling but not leaving a message does not fulfill the legal requirement to contact me regarding the debt. In the meantime, they posted a derogatory on my account without ever first giving me a legitimate opportunity to make the debt right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent credit report I see an account listed for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Why has Transunion not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE ALL FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I have been a member of Experian for years now. They would not report when new things were taking place on my account that I had nothing to do with and once they found it, they still didnt do what they rightfully should have.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estopped by silence, Englehardt vs Gravens ( XXXX ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. Pursuant to 18 USC 8, I owe no debt XXXX XXXX XXXX is violating my consumer right to privacy pursuant to 15 USC 1681 b. XXXX XXXX XXXX has also no permission to report anything using my info pursuant to 15 USC 1681 4. This is 90 % Effective.
Product: Checking or savings account

I would like to make a complaint against TD Bank. XXXX of XXXX I was in the overdraft of - {$4.00} and I could not make it to the bank month of XXXX I had COVID on XX/XX/XXXX and still had covid XXXX more weeks in XXXX. On XX/XX/XXXX I went on my web banking that day and it says I could make arrenments with TD Bank, my mother that day went to the bank in XXXX XXXX NY and deposit {$55.00} in my account and it was kept open. 

Today XX/XX/XXXX I got my statement and it says that TD Bank closed my account on XX/XX/XXXX the day my mother deposited {$55.00} in my account and I login to my account today and the account has been closed. I called their recovery Dept and all they want me to do is enter the ext number of the person I am trying contact. 

I am very upset that TD Bank did this to me why would they closed my account after my mother deposited {$55.00} in my account, did TD bank wanted me come into their branch while having COVID and spread it to other people? It is by law that if I have or had XXXX and could not make it into a branch or make payment they have to waive it. I could not call TD Bank month of XXXX I had wicked coughing attacks did they want me to cough in their ear over the phone? I was very sick that I oh most went to the ER. 

This is not first time I ran into problems at TD Bank I gave my mom my debt card/ATM Card so she can put money into my account and she has been for XXXX years no problem depositing money into my account at the teller. XXXX day last fall the new bank XXXX in XXXX XXXX screamed at my mother for having my card and the bank XXXX screamed where everyone in the place could hear her and she threaten my mom she could go jail because its federal law. First all if I gave my mom permission to use the card it is not crime. When I talked to this bank XXXX over phone she was very rude to me. 

Now I am running into another problem at TD Bank with my account being closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 below is the list I dispute to them a Charge off Collection or Derogatory account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also dispute to them those open accounts that has late payments Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

Below are the open account I disputed that has late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX