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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, and XXXX  XXXX Open Date XXXX XXXX, XXXX Balance : {$290.00}.
Product: Money transfer, virtual currency, or money service

I was trying to use my card one day, but it wouldnt go through anywhere. Nobody called me for a heads up or anything. I started calling the bank, and they would run me around, saying they cant tell me ; I need to call this number, and the number was for the fraud department. I asked, " Why was my account blocked? '' They gave me a dumb answer that didnt make sense. They were aware of the deposit happening & the amount because I spoke with them several times that month and the month before. There should be notes. They were the ones that advised me to get a check from my other account, then deposit it. Ironically by the time the transfer was able to be sent, the interest rate for the CD account I wanted to use the money to open dropped. So someone called me to open the CD account, and I was hesitant because of the rate, ask them if they can honor the rate myself and another staff had initially gone over, they said no and I told them I would let them know. They emailed me documents which Ive never signed. I check my account, and my money that I transferred is not there until today. Mind you the frauded the account and removed my money all at once. Ive called several times for them to make the money available in my account, and they said only the person who opened it can do so, and theyll have him call me, but hes never called me. I have the document in my email still unsigned. Ive told him last we spoke I am not opening it to hold off. So they blocked my account and accused it of fraud and took my money. It seems Bank of Texas is the fraud here. I want a suit.
Product: Debt collection

My most recently reviewed consumer report, there are unverified accounts listed. I have received mail from various companies seeking to collect an alleged debt on behalf of another company. I have never heard of nor done any business affiliation with them. I requested VALIDATION of the debt which was not provided. It is absurd that this company put something like this on my credit file. I found that to be odd because the credit bureau is to report nothing but accurate information about me. So how are they supplying information to the credit bureaus about me when they have not provided me with validation. 

I am requesting the following ; Show me how you calculated what you say I owe. 
Copies of signed documentation that show I agreed to pay what you say I owe. 
What bounds me to you? 
What kind of business dealing have I done with you? 

As a reference, please see the below accounts in question that must be REMOVED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - Here is what the law states about investigations : 623. ( b ) Duties of furnishers of information upon notice of dispute.

( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and which compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly : ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I have noticed an inaccuracy on my credit report. I am not liable for XXXX XXXX XXXX XXXX XXXX This account is not mine. I have no knowledge of this account. I did not signed into a contract with them. I have the right to privacy under the FCRA law. Any credit reporting agency can not furnish an account without my written consent under the FCRA law.
Product: Debt collection

Credit monitoring service notified me of a collect account added to my credit file for {$41.00} from Choice Recovery Inc. We do not know why or how Choice Recovery posted this information to my credit file is a violation of the FCRA class action settlement
Product: Debt collection

Requested Debt Validation from company in XX/XX/XXXX and did not receive any sort of validation. The collection then appeared on my account in XX/XX/XXXX, upon noticing this I requested validation for the debt again through XXXX  on XX/XX/XXXX. On XX/XX/XXXX i received notice from XXXX  stating the debt was mine, however I had received no proof of validation via email or mail. I again filed a dispute on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX again all without receiving verification via email or mail. 

I spoke to a representative at CBJ Credit Recovery on XX/XX/XXXX who assured me that I would be receiving verification of the debt via mail within a fews and have yet to receive anything. All the while, this unverified debt is still be reported on my credit report without proper validation. I have requested items in writing, only to be told they do not provide anything in writing but that if i paid they could provide me a letter from a representative named XXXX. However until proper validation is provided, I do not feel comfortable paying and feel as though the company is trying to manipulate payment from me without having the proper paperwork in place.
Product: Mortgage

I applied for a Loan Modification during the financial Meltdown, as I had one of those escalating loans aka " an adjustable rate  mortgage ''. The mortgage company, Washington Mutual, finally agreed to a loan modification in XXXX, 2010, and the Bank 's officers signed off on it. I faithfully paid the " trial period '' payments, x 4, and all were sent and received by the bank via certified funds and mail. The fourth payment was sent, and I received a sheriff sale notice that the bank was taking the property within 30 days. I called the NJ XXXX XXXX County sheriff office and they postponed the sale until the matter was  straightened out. Unfortunately, I have been fighting the banks ever since, and they refuse to acknowledge the loan modification that was granted. They put my payments in a suspense account and proceeded to refuse my monthly checks. I have been submitting paperwork and proof of this claim for 8 years, which has worn me down. I lost my Dad, my daughter, my grandson and my younger sister during this time, and still they called and bothered me through my grief, and I submitted more paperwork each time. Now they have filed for a final foreclosure in the courts, and I have no defense, except for what I believed was my rights as a citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have membership with XXXX so I check my credit activity quite often and noticed a new account on my credit report for which I did not apply for and have no idea how the account was opened without me knowing. I called the company and they confirmed it was fraud, they asked me for my email to send me the findings of the investigation and on the same day I also started a dispute with XXXX. The dispute for the account with MONEYLION INC was not changed as a result of the processing of the dispute. 

XXXX stated that the company that reported the information has certified that the information is accurate. I do recall seeing my bank account debited in the amount of {$4.00} in XXXX for a membership with MONEYLION for which I immediately contacted my bank to investigate and reverse the unauthorized transaction and they did right away on XX/XX/XXXX, XXXX the account showed up on my XXXX credit report almost 3 months later. I have no knowledge of the company, never received any mail or email and I have a balance as of XX/XX/2021 that needs to be removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I somehow got lucky and was able to file a dispute on line at Equifax, but that has been the one and only time I have been able to get through. Since the initial filing and creating username and password I have not been able to access thier website, re wives page information provided does not match records, same thing happens when actually call and talk to representative, they tell me same exact thing. Constantly told they are having issues with web site but representative has same wrong information. How can this be a company in charge of our information and reporting if they can't get thier own company to work correctly
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX sold debt to Investment Retrievers as a collection I disputed the investment retrievers collection, it got deleted and then months later XXXX XXXX REINSERTED the debt on my credit report Under the Fair Credit Reporting Act ( FCRA ), a credit reporting agency can not reinsert previously deleted information into your credit report unless the data furnisher ( in this case, potentially XXXX or the collector ) certifies that the information is accurate and complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MISSED A DOCUMENT ON THE LAST COMPLAINTS. DO NOT CLOSE I HAVE NOT MADE A COMPLAINT LIKE THS My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unauthorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. Again I am not a third party. FRAUDULENT ADDRESS : XXXX XXXX AV XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Credit cards opened by thief : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

AMEX XXXX My wife and I are very sick of this. This issue needs to be closed asap. I do not care about AMEX internal processes. Anyone who had this happen to them would be absolutely furious because nobody likes to be scammed like this.

1. I don't know these people or these places, I was driven to them as part of this scam 2. I was XXXX assaulted in one of these businesses 3. I was blackmailed by one of them 4. AMEX has ruined our lives for two years trying to collect money from a XXXX victim 5. This was an obvious scam, nobody blows money like that for no reason 6. AMEX has been involved with these people before and they already know they are capable of something like this.

7. I am beyond angry that this company would demand I pay for my own XXXX assault, it's reprehensible 8. I don't care anymore about what AMEX does other than closing this account If AMEX chooses to bill me for these illegal activities, fine. But we want to move on, I'm tired of playing games with this company.
Product: Credit card

I opened a new credit card to take advantage of 21 months 0 % interest as my current cards do not have this benefit available. Upon opening my account, I proceeded with the balance transfer option for the new card, entered the card information that I wanted to transfer the balance, and the balance was transferred to an existing credit card with the bank, not the new card.
Product: Credit reporting or other personal consumer reports

XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX Please send me a notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$820.00} ACCOUNT NAME : XXXX  XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$310.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$350.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$0.00}
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts and addresses from my credit file. While checking my credit report, I noticed an account I did not authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts be immediately removed from my credit file that Experian has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence.

Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Also, I found fraudulent addresses, fraudulent inquiries, fraudulent phone numbers and inaccurate names. Please remove fraudulent addresses, fraudulent inquiries, fraudulent phone numbers, and inaccurate names from my credit report. My address is not being reported. Add my current address to my credit file. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FRAUDULENT PERSONAL LOANS! 
XXXX  XXXX Balance : {$370.00} Balance updated : XXXX XXXX, XXXX Original balance : {$350.00} Account number : XXXX Open/closed : Closed Date Opened : XXXX XXXX, XXXX Account type : Unsecured FROUDULENT ACCOUNTS! 
XXXX XXXX Balance : {$1900.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$1900.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Charge Card XXXX  XXXX Balance : {$1200.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$1300.00} Account number : XXXX Open/closed : Closed Date Opened : XXXX XXXX, XXXX Account type : Credit card XXXX  Balance : {$2700.00} Balance XXXX : XXXX XXXX, XXXX Credit limit : {$2200.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Credit card XXXX Balance : {$930.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$900.00} Account number : XXXX Open/closed : Closed Date Opened : XXXX XXXX, XXXX Account type : Charge Card XXXX XXXX Balance : {$1800.00} Balance updated : XXXX XXXX, XXXX Credit XXXX : {$2200.00} Account number : XXXX Open/closed : Closed Date Opened : XXXX XXXX, XXXX Account type : Charge Card FROUDULENT ADRESSES! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBERS! 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX FRAUDULENT NAMES! 
XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was offered a rehabilitation program by lender who advised if I completed this program my loans would be removed from default and they would update credit reporting agencies to reflect no late payments on my credit. I successfully completed the loan rehablitation program and was told after I paid on time for 12 months that they were not going to remove the default from my credit nor update the late payment status although the agreement shows that they will. They then advised me that I must pay the balance in full to have my credit update which was n't what was written in the orginal agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received my credit report and there is fraudulent accounts being reported on my profile from XXXX XXXX, XXXX and Experian XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXX Date XX/XX/2022 XXXX XXXX  XXXX Date XX/XX/2022 XXXX XXXX XXXXXXXX Date XX/XX/2022 XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX  Date XX/XX/2022 XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXX XXXX Date XX/XX/2022 XXXX XXXXXXXX XXXX Date XX/XX/2022 XXXX XXXX XXXX  Date XX/XX/2022 XXXX XXXX XXXX Date XX/XX/2022 XXXXXXXX XXXX  Date XX/XX/2022 XXXX XXXX ACCT  XXXX XXXX  ACCT XXXX
Product: Credit reporting or other personal consumer reports

Myself and a lender have attempted to pull my Equifax credit report and score from Equifax. We both received a response that my score was unavailable. I paid for my MyFico and it stated I did not have a credit profile or I am deceased. Shortly after I paid {$9.00} from Equifax for my score and it came back unavailable but was charged the {$9.00}. I called a representative and he stated that he could not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this with all the of the major credit companies, and XXXX was the only company that actually did anything. The rest just said the info was updated, thats it. They didnt Provide proof of them doing any investigation. 

Lately I have been disputing with trans union, and XXXX and Im only getting a reply that the information was updated.
Product: Checking or savings account

On XX/XX/XXXX, I was inform that my checking and savings accounts were closed by Wells Fargo. They contacted me via email and I called them immediately. In such call, I confirmed with the bank agents the address in XXXX where the checks should have been sent with the reimbursement of the money contained in my accounts. 

By the date of this claim, I have called to the bank multiple times asking why I have not received the checks in my address in XXXX. In XX/XX/XXXX, a bank agent informed me that they allegedly sent me the checks to my old address by mistake, so they requested to sign an Affidevits called : " Declaration as to Lost, Destroyed, or Stolen Cashier 's Check '' duly authenticated by a Notary, that they sent me to my correct address in XXXX 

On XX/XX/XXXX, I sent back to the Bank by USPS the Affidevits duly signed and authenticated by an American Notary. 

On XX/XX/XXXX, I called to the " Departamento de Soporte de Clientes y Mediaciones '' where a bank agent called " XXXX '' informed me that they do not have any information about the receipt of the Affidevits, so they can not confirm the situation of the reimbursement of the money contained in my bank accounts through a check. 

I already have been waiting XXXX months for my money, when I trusted in a bank institution as Wells Fargo my savings in order to get access to them when I want, taking into consideration that such money derive from my work and I urgently need to use for the maintenance of my family.