23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 U.S.C 1681. Account name : XXXX XXXX account number:XXXX.account name : XXXX XXXX account numberXXXX. Account name : XXXX XXXX  account numberXXXXhas 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 State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( a ) ( 5 ) section States : no consumer reporting agency may make any Consumer Report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which andodates the report by more than 7 years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should 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: Credit reporting, credit repair services, or other personal consumer reports

i ran my credit today and i saw i had 2 collections for the same amount of money with 2 different names. so i know this is not legal. how can 2 different debt collectors put a collection on my credit report which is not mine. 

here is the info reporting on my credit report, XXXX XXXX XXXX Equifax Account # : -- -- XXXX High Balance : -- -- {$3100.00} Last Verified : -- -- -- Date of Last Activity : -- -- XX/XX/XXXX Date Reported : -- -- XX/XX/XXXX Date Opened : -- -- XX/XX/XXXX Balance Owed : -- -- {$3100.00} Closed Date : -- -- -- Account Rating : -- -- Derogatory Account Description : -- -- Individual Dispute Status : -- -- Account disputed Creditor Type : -- -- Factoring Companies Account Status : -- -- Open Payment Status : -- -- Late 120 Days Creditor Remarks : -- -- Consumer disputes this account information Collection account Payment Amount : -- -- {$0.00} Last Payment : -- -- XX/XX/XXXX Term Length : -- -- -- Past Due Amount : -- -- {$3100.00} Account Type : -- -- Collection as you can see this collection is not on my XXXX or XXXX . this company is doing fraud. 
here is the other name XXXX XXXX XXXX Equifax Account # : -- -- XXXX High Balance : -- -- {$3100.00} Last Verified : -- -- -- Date of Last Activity : -- -- XX/XX/XXXX Date Reported : -- -- XX/XX/XXXX Date Opened : -- -- XX/XX/XXXX Balance Owed : -- -- {$3100.00} Closed Date : -- -- -- Account Rating : -- -- Derogatory Account Description : -- -- Individual Dispute Status : -- -- Account disputed Creditor Type : -- -- Factoring Companies Account Status : -- -- Open Payment Status : -- -- Late 120 Days Creditor Remarks : -- -- Consumer disputes this account information Collection account Payment Amount : -- -- {$0.00} Last Payment : -- -- XX/XX/XXXX Term Length : -- -- -- Past Due Amount : -- -- {$3100.00} Account Type : -- -- Collection Payment Frequency : -- -- - as you can see they are reporting the account twice on my credit which is damaging my credit score. i would like both of these accounts removed from my credit report also i would like a check mailed to my home for {$10000.00} dollars or else im gon na sue in federal court. my address is XXXX XXXX XXXX XXXX, ca XXXX thank you
Product: Credit reporting

Recently, credit reporting agencies refuse to deliver online versions of my free annual credit report. Instead, they insist on my mailing in a request. In fact, I can then receive the hard copy report by mail. However, I then need to scan the paper copy into my computer, in order to minimize my paper records. 
What must I do to get online versions of my free annual credit report? ( There are no telephone numbers available to me to allow me to speak with a knowledgeable representative at any credit agency to solve this problem. )
Product: Prepaid card

My mother bought me a gift card for XXXX for {$100.00}. I tried to use this card and it was declined. I went to the website on the back of the card and it said there was a purchase for almost the full amount at XXXX. I did not make a purchase! I tried to call the number on the back of the card to report the fraud but there is only an automated system and I can not get to a human. I have no way to report this fraud! I am not sure if this company is a fraud, or if the gift cards they sell are fraudulent, but I would like to recover the money that was given to me. I feel it would be easy to find the thief since the purchase was made at XXXX but they wont give me the information and I am not sure who can help me at this point. Here is all the information on the back of the card : XXXX XXXX XXXX Issued by XXXX, XXXX. 
Distributed by XXXX XXXX CA XXXX
Product: Student loan

I have been attempting to adjust my payment plan with Navient due to economic issues and being unable to make the current payment amounts consistently without severe hardship. I have repeatedly spoken with Navient representatives about lowering the interest rate, extending the duration of the loan, having a deferment or forbearance, etc. though each time the Navient representative quotes a repayment plan with a higher monthly amount. 
I received a letter from Navient stating that if a payment is not made by XXXX XXXX, 2016 then I will default on the loan., and they will pursue civil litigation options. Navient has contacted me every 1 to 2 hours by automated phone calls since the XX/XX/XXXX ; have been calling my family stating that " I listed them as a reference '' when I did not, ; and they have attempted to obtain my employment information from my employer by faxing a request to verify my income/employment status. However, there is no legal judgment on the loan as of this date ( XXXX/XXXX/16 ), and I did NOT give them permission to contact ANY of my family members ( except for my spouse ) or contact my work to verify employment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX, with the help of XXXX  customer service representative, I enrolled my XXXX  credit card in Autopay on XXXX  website using my checking account with XXXX, please see documents attached. The same day I signed up for electronic statements. 

On XX/XX/XXXX of XXXX, I received a statement from XXXX that my balance is due. Nothing on that statement yielded that my autopay did not go through, and I am past due on my bill, see documents attached. Not a single alert about my account being past due came from XXXX. 

The next day I received and alert from XXXX and Experian that my score dropped XXXX points due to the red flag posted by XXXX. In twenty years I never missed a payment, and always had an above 800 credit score. I paid my bill immediately using the same autopay account ( already in XXXX  system ). My XXXX account was processed immediately for the outstanding amount, see documents attached. I called XXXX numerous times to no avail. 

On XX/XX/XXXX, I filed an online dispute with Experian credit agency. 

On XX/XX/XXXX at XXXX, I finally got through to speak to a XXXX representative. I informed him of the situation. The representative told me that I never had an autopay account, luckily I could prove that an Autopay account was, in fact, created on XX/XX/XXXX. I have a conformation message about enrollment in Autopay generated by XXXX, see documents attached. That day, I was also on the phone with the XXXX representative who was guiding me through an autopay set up process. 

On XX/XX/XXXX, during my conversation with XXXX representative he gave me the report number XXXX. XXXX  representative assured me that they posted a note to Experian agency, as he stated they put a red flag due to misunderstanding. The representative assured me that XXXX will look into my call to set up an Autopay on XX/XX/XXXX of XXXX, and that someone will follow up with me. No one from XXXX ever called. 

On XX/XX/XXXX, the dispute results from Experian came. The Experian stated that XXXX balance shows as outstanding still ( as I never paid it ). Please see the attached documents that confirm that I paid the balance in full the same day I learned of the account being past due. I hoped that Experian will be able to solve this ; however, the red flag posted by XXXX was never removed, and Experian did not change the status of my credit. 

I am determined to solve this problem. Ive always had an outstanding credit history, and never was late on any of my payments. I enrolled my XXXX credit card in autopay due to convenience, as I have all of my other accounts. I have never experienced problems with autopay until XXXX. 

Please, help me solve this situation. 

Best, XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : THE BUREAUS ( Original Creditor : XXXX XXXX ) -Balance : $ XXXXDate Opened : XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Refinanced loan with XXXX prior to loan being transferred from XXXX XXXX to XXXX. Have copy of the cashed check which was paid directly to XXXX. XXXX customer service has been terrible to deal with. They are simply a disorganized mess. Have communicated with CS via phone and email for 4 months. Sent copies of cashed checks. They report no issue yet they reported a new load AND delinquency to my credit report. Their response was " just wit a few months '' and then if nothing happens to dispute the report .... WHAT!!!!!! It is their responsibility to correct their error - not just blow off the issue. My report took an 80 point hit. There should be laws against this sort of behavior with no repercussions. We wanted nothing to do with this institution, it was forced upon us.
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate information on my consumer report. Account # XXXX I am writing to formally request a thorough reinvestigation into the inaccurate accounts being reported on my consumer credit report. I have identified several false instances and non-compliant information that require your immediate attention. 

Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the Metro 2 data fields. Any deviation from this standard is not only a violation of federal regulations but also a breach of consumer trust.

I insist on your strict compliance with Metro 2 reporting requirements. You must provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items. 

The method of contact used ( e.g., phone, email, written correspondence ). 
Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system. 

A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 

If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ).

Please address this matter with the urgency it deserves and provide a written response within the 30-day period as required by the FCRA. I expect a complete and thorough investigation into this matter.
Product: Checking or savings account

My XXXX XXXX savings account was charged by cashapp however my XXXX XXXX savings account was not linked to cashapp. I reached out to cashapp as well as XXXX XXXX. Cashapp said it wasnt there issue even after I explained to them that my XXXX XXXX account wasnt linked. I reached out to XXXX XXXX and they stated I authorized the transaction when that wasnt true. I have the text message asking me if I was available to verify now? Yes or no. Me replying yes they took it as I authorized the transaction. When I explained to them that I did not read their question as XXXX XXXX asking if I authorized the charge they were reluctant to fix my credit my account and would not return my funds although my funds are protected by the bank from fraudulent activity. 
I have the text message communication between XXXX XXXX and I.
Product: Debt collection

XXXX XX/XX/XXXX I On XXXX XX/XX/XXXX, I received a collection notice from IC System n the amount of {$170.00} for equipment belonging to XXXX, a cable company. The account was closed by me one year ago and its status on the XXXX  site is AMOUNT DUE {$0.00} No payment is due. 
The equipment ( two cable boxes ) was via XXXX XXXX on XXXX XX/XX/XXXX and DELIVERED on XXXX XX/XX/XXXX. TRACKING NUMER XXXX ( see shipment details below ) THIS IS THE THIRD TIME that I have provided proof for this returned equipment. 
1 ) In XX/XX/XXXX, XXXX XXXX XXXX XXXX sent an erroneous bill in the amount of {$170.00} for this equipment. I provided PROOF OF SHIPMENT and DELIVERY by email XXXX XX/XX/XXXX See to XXXX on <<Attached please find proof of shipment from XXXX  store # XXXX. The equipment was delivered to you on XX/XX/XXXX. Please remove the charges immediately. This is totally your error.>> 2 ) IN XX/XX/XXXX, XXXX XXXX XXXX attempted to collect this equipment charge of $ XXXX. I again provided the tracking number to a collection agent. 
3 ) On XXXX XX/XX/XXXX, a third erroneous bill for {$170.00} arrived. NOW its I.C. Systems. I immediately Telephoned to XXXX ( spoke with IC Agent # XXXX ) and provided the XXXX tracking number again. I also have to send them a letter by POSTAL MAIL -- IC systems doesn't accept email. 



PROOF OF SHIPMENT ATTACHED AGAIN XXXX XXXX TRACKING NUMER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Equifax After reviewing my consumer file I noticed the following account reporting in INACCURATE error. Please DELETE these account immediately : ( XXXX XXXX XXXX  : ) ( XXXX XXXX : ) Closed ( XXXX XXXX : ) Closed ( XXXX : ) Paid 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These accounts is reporting a Balance and the account is reporting closed, the account is reporting late payment history and therefore the account is in VIOLATION. Please Delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting or other personal consumer reports

Upon receiving notifications in my credit monitoring system, I discovered an abundance of inquiries that I am unfamiliar with. These inquiries are not associated with me, and thus, I did not provide my consent for them. This situation constitutes a violation of 15 USC 1681 B : Permissible of Consumer Reports, and I kindly request their immediate removal.
Product: Credit card or prepaid card

USBank sent me a letter stating that since I have been a good customer, they are increasing my credit line from {$500.00} to {$1000.00} and sent me a new card. 
Since I received the card I tried to use it to make a payment at XXXX XXXX XXXX and it would not go through. I called USBank and spoke with a representative who told me someone would get back to me because I was being " investigated '' & transferred me to another dept where I was told that XXXX was the one who had a problem not my account and I could use the card, no problem. Today I received an email from USBank alerting me that they detected suspicious activity on my credit card & to call XXXX. I called 3 times today, but each time I was on hold for 30 minutes then an automated system came on to say there was no one available and hung up. 
I have not been able to get anyone on the phone regarding this alert or use the card anywhere.
Product: Credit reporting

I hAve XXXX hard inquiries that I have not done. 
XXXX transunionXXXX XXXXSays made XX/XX/2015Please Investigate and take off my report. I am trying to fix my credit not damage it.
Product: Debt collection

I moved out of my apartment early ( XXXXXXXX XXXX  ) they charged me {$3000.00} dollars to break my lease which they took my security deposit of {$1500.00} and change then wanted me to pay another {$1500.00} when my apartment was move in ready and it was not unoccupied but only for a weekend. My mother fell ill and I had to move back to help her. Now someone has put {$1400.00} on my credit no information or letter was sent to me before this happened.
Product: Money transfer, virtual currency, or money service

Money was to be sent to a recipient. The recipient did not receive the same. The bank shared with me there after that the funds could not be reimbursed. However, currently their is an disclaimer on the banks website that funds will not be reimbursed if sent in error to the wrong recipient.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX credit reporting agencies on Monday XXXX XXXX XXXX and spoke with multiple representatives which was on a recorded line courtesy of Equifax, XXXX, XXXX speaking about how I have a right to privacy as a consumer to have the information removed that inaccurate and unfair to me as a consumer. The information that was requested to be removed from the report is the XXXX  XXXX in the amount of {$390.00} closed account also XXXX XXXX in the amount of {$930.00} closed account when I was denied assistance and my consumer rights were violated. Also, this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs as a consumer. Before taking any adverse action and furnishing anything on my consumer report based on a part of my report Equifax, XXXX, XXXX is supposed to provide the consumer a copy of that report and a description in writing of the rights of the consumer which is me and I have not received such documentary evidence making sure this information is accurate, fair and suitable for me as the consumer. I have gotten in contact with XXXX XXXX also XXXX XXXX in relation to this inaccurate information which they will no longer report to the reporting agencies in the connection of collecting a debt.
Product: Checking or savings account

XX/XX/XXXX was last time XXXX was XXXX by XXXX through reoccurring electronic billing. ( Have confirmation number as always. ) XX/XX/XXXX payment not paid even though I had confirmation # XXXX. XXXX told me to call back in 3 days. Still not pd they had no reason why it wasn't paid, they told me to call XXXX which I did, they said there was no payment made. So on XX/XX/XXXX I reset the payments for a reoccurring payment of {$60.00} a month confirmation # XXXX. Was NOT paid again. I called XXXX back and they said nothing and had no reason for it not to be paid, call XXXX. I have been accumulating late fees of $ XXXX plus ruined credit because they will not pay the payments. I am a XXXX senior citizen with vision issues I can't deal with this anymore. The bank has an obligation to pay my bills as I instructed them to do so electronically. I have confirmation numbers and have filed XXXX complaints with no resolution. I have no recourse and no way to pay all the late fees. I did my due diligence, why won't they do theirs? I am desperate and now I owe {$210.00} in back payments.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND FRAUD. 
XXXX XXXX CORPORATE HACKERS AND IMPOSTERS HAVE STOLEN {$1600.00} FROM ME SINCE XX/XX/year> BY XXXX  XXXX XXXX XXXX CREDIT CARDS BY STEALING MY SOCIAL SECURITY #, CHANGING MY NAME TO FAKE NAMES AND POSTING XXXX FAKE XXXX  XXXX CREDIT CARD ACCOUNTS ON CREDIT BUREAUS, SEE EXPERIAN REPORT ATTACHED. XXXX XXXX DID NOT POST {$1600.00} CREDITS PRIOR TO CLOSE XX/XX/year> ON BOTH CREDIT CARDS IS FRAUD AND IRS FRAUD. MY NAME IS NOT XXXX XXXX OR XXXX OR ANY OTHER FAKE NAMES. EXPERIAN IS CORRUPT AND ALLOWS CRIMINAL ACTIVITY BY IMPOSTERS AND CORPORATE HACKERS. 
EXPERIAN IS TO BLOCK BOTH XXXX XXXX CREDIT CARDS, POST ALL XXXX  XXXX XXXX CAR PAYMENTS, DELETE ALL SOFT INQUIRIES, i HAVE A 7 YEAR FRADU ALERT, PERM. SECURITY FREEZE AND OPT OUT, NONE OF THESE INQUIRIES ARE PERMISSABLE & NO COURT ORDER 7 ILLEGAL=CREATES MORE FRAUD= FCRA VIOLATIONS, AND INCREASE MY CREDIT SCORE. 
XXXX XXXX IS A FAKE NAME ON CREDIT REPORT. 
FTC IDENTITY THEFT REPORT, # XXXX XXXX POLICE REPORT IDENTITY THEFT & FRAUD SCHEMES AGAINST XXXX  XXXX. 
block FCRA UNITED STATES GOVERNMENT NEEDS TO SHUT DOWN XXXX  XXXX AND REMOVE THE OWNER, XXXX OFF FEDERAL RESERVE.