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

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular records in my document discovered because of some inattention. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX Date of Inquiry : XX/XX/2021 ; XXXX Date of Inquiry : XX/XX/2021 ; XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX XXXX Date of Inquiry : XX/XX/2021 ; XXXX Date of Inquiry : XX/XX/2021 ; XXXX Date of Inquiry : XX/XX/2021 ; XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that this inquiry was done fraudulently because I have no knowledge of how this inquiry was made because I've never applied for anything using this Navy Federal Credit Union. I have requested for a fraud alert to be put on my credit report and hopes that this never happens again.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a collection account that appears on my credit report from XXXX XXXX, XXXX which I do not recognize. I am requesting that you investigate this matter and provide proof of the validity of this debt. If no proof can be provided, I request that this account be removed from my credit report immediately. Details of the disputed account are as follows : Account Name : XXXX XXXX XXXX XXXX {$3000.00} I have no knowledge or record of this debt, and I have never been contacted by XXXX XXXX or any collection agency regarding this alleged debt. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of any debt that appears on my credit report. I am exercising this right and expect a prompt response. Please provide the following information : A copy of the original signed agreement or contract. A detailed account statement showing all charges, payments, and adjustments. Proof of the assignment or sale of this debt, if applicable. Any other relevant documentation that can validate this debt. If you can not provide the requested documentation, I kindly request that this account be deleted from my credit report. Failure to validate this debt or continued reporting of this unverified debt can be considered a violation of the FCRA, and I will take necessary legal actions if required. I appreciate your prompt attention to this matter. Please respond in writing within 30 days of receiving this letter, confirming the actions taken in response to my dispute. Thank you for your cooperation. Sincerely,
Product: Credit card or prepaid card

I have tried to contact my Virginia child support eppicard because my card was hacked and used over seas by someone in XXXX and XXXX and every time I call them they put me on hold for 40-80 minutes and no one answered & Ive called 14 times in 3 days or when I try to call someone picks up and hangs up on me ...! & its foreign transactions & I need help getting my funds back but no chance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my report : Late Close XXXX  XXXX XXXX {$0.00} Charge Off XXXX XXXX {$600.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4900.0XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$7400.00} XXXX  XXXX {$1100.00} XXXX XXXX {$3500.00} Date Opened : XX/XX/XXXX XXXX XXXX {$700.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$710.00} Date Opened : XX/XX/XXXX XXXX XXXX {$500.00} XXXX  XXXX  XXXX {$1200.00} Date Opened : XX/XX/XXXX
Product: Credit card

I made a purchase in XX/XX/XXXX using my Care Credit Card which is part of Synchrony Bank. The promotion was XXXX interest for XXXX XXXX XXXX XXXX later in around XXXX or XXXX of XXXX The company then decided to charge me interest XXXX all the back interest from the entire previous year. Ultimately results in NO PROMOTION at all since they are asking I pay back the entire amount. This practice seems VERY unethical and now almost XXXX XXXX XXXX  later of paying this company I have the same balance. How is this even possible. It's so sad that we live in a country that we can not even meet our own needs thanks to companies that are so greedy and take advantage of everyday hard working Americans. I hope something is done and fast as I'm not even able to keep up and will soon be delinquent. Here is there website : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments on my credit report : List Name of the accounts with late payments along with their account numbers.

Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does it include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency violates 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Also, I'd like to point out that you are reporting inaccurate information on my consumer report.

( a ) Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to ensure the security and confidentiality of customer records and information ; 15 U.S. Code 6801 - Protection of nonpublic personal information : ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

Delete the student loans from my consumer report. I did not give my written or oral permission to put them on my consumer report. Failure to do so in 30 days will result in legal civil action. 
Best regards, XXXX XXXX XXXX
Product: Debt collection

There are  XXXX  collections after me for a debt that I do not owe. Convergent Outsourcing is  one  of them and they are try to get me to pay {$2200.00} for a debt that allegedly came from   XXXX   The account number they are using on my report is "  XXXX  ''.     I never once received a notice to dispute this debt before they put this on my credit report. I had my credit pulled recently and that is when I found out this was on my credit. The second collection company 's name is  XXXX  Consultant. They are also trying to get me to pay the same amount of {$2200.00} but they are using another account number. The account number  XXXX  is using is "  XXXX  ''.     Is n't it illegal for  two  different companies to harass someone for the same debt. I do not know what they are talking about and I have never been provided with any supporting documentation that proves I ever had an account with them. If no validation can be provided, why are they colluding to report this account twice on my credit report???
Product: Debt collection

XXXX insurance has sold a debt to credit collection service in XXXX, Ma that is listed on my credit report when. I paid them and went to XXXX.
Product: Debt collection

This is to do with claim # XXXX as I previously stated I don't know what this is about. Portfolio debit collections continues to call me everyday. I can only say if it's a credit card debt it's from over 20 years ago. Listed is phone numbers from them XXXX, XXXX. In XXXX I was divorced my ex husband was ordered by the court to pay a XXXX XXXX credit card if this is it otherwise I have no idea what this is. Portfolio doesn't leave a message and didn't send me any info about this matter. I'm deaf so I don't talk on phone I'm on XXXX XXXX have told you before I have no idea what this claim is. They were calling XXXX times a day now since I complained it's once or twice a day.
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.

The accounts below have violated my rights.

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

15 U.S.C 1861 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 hem of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 16816-2 ( A ) ( a ) A person shail not furnish any information rolating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to information is inaccurate. 

Delete these hard inquiries accounts 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
Product: Mortgage

XX/XX/XXXX we refinanced our house and our Mortage with caliber home loans was paid off. We have since sold our home and were scheduled to close this past week, A few days before closing it was discovered caliber never released it. We now can not close since this loan still shows open of record. We are in jeopardy of losing these buyers. In addition we are scheduled to close on our new home XX/XX/XXXX but will have to cancel until we receive this document. 
Myself, and our new title company have both reached out to caliber and they are very unwilling to help us. We even sent them a XXXX label and envelope to send it back to us. All they will do is give us an email address XXXX and say they will get to us in the order of their requests. They will not let us speak to anyone in the department only provide that email. However, the people we have spoken to all verify to us the loan was paid off XX/XX/XXXX so I dont know why they just can not send this release immediately. Its been almost 8 months and we are now at risk to lose the sale of my house and the purchase of our new home.
Product: Debt collection

I have tried to resolve this account from this company numerous times, I previously had identity theft and have provided information to this company numerous times. How can you report a debt when a person has told you they are a victim of identity theft and the account is not accurate. This should not be reporting on my credit report, this needs to be deleted. I have been a victim of identity theft for years and this is still causing harm and anguish. Sending screenshots from a previous company does not show that this account is valid, when people can fill out information online or report anything that is not accurate. If you know that all data on an account has doubt and not for sure its no way this this ethical to report.
Product: Debt collection

I was contacted on XX/XX/2019 by Medical Business Bureau ( MBB ) about two medical bills. I had previously contacted the creditors when I received their bill and informed them that my insurance company was still processing their claim. I was about to board a flight to my country as I am a XXXX  XXXX in the USA. I  explained to the agent that my insurance company and processed one account and the other was still being processed by them. I requested that MBB contact XXXX XXXX XXXX XXXX to get an update on my file. I explained that I was leaving the country and that I would contact them upon my return. The agent told me they would make a note on my account. When I returned on the evening of XX/XX/XXXX, I found a collection notice dated XX/XX/2019. On XX/XX/XXXX when I returned to the USA, I called the collecting agency and told them that one bill was paid on XX/XX/2019 and the other was still being processed based on the Explanation of Benefits ( EOB ) from my insurance company. The agent told me that I needed to mail the EOB 's to them and that if the debt was not settled by XX/XX/XXXX it would be reported ro the credit bureau. I asked how can you be putting a collection on my credit report when my insurance company has not completed processing the claim and they are responsible for paying the bill? I requested an email address to send the EOB to but was told it had to be mailed in, they do not use email. I mailed the EOB 's of the paid claim and the one that showed pending to them on XX/XX/2019. On XX/XX/2019 I called MBB again informing them that the second claim was now processed ( XX/XX/2019 ). I told them I was mailing the EOB to them. Last night ( XX/XX/2019 ) I checked my credit via XXXX XXXX and see both bills being reported as collections!!. I disputed both collections recorded with XXXX and provided the EOB for both bills showing that the insurance company paid both bills. This morning ( XX/XX/2019 ) I called MBB to ask about it and was told that they only have the EOB showing the bill that was paid and the one showing that the other bill was pending. I told them that the completed EOB for the next claim was mailed to them over two weeks ago. They have not even contacted XXXX XXXX   XXXX XXXX to update my account. Even though they confirm that they received the first EOB showing one payment, they still reported it as a non-payment to the credit bureau. When I asked about this, the agent told me he would remove that one!! Isn't this dishonest? I told him that I sent both EOB 's confirming that the insurance company paid and that I wanted both removed or I would contact a lawyer. Medical Business Bureau should not be reporting collections to the credit bureau without the correct information!
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account property after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts autombile : Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts on my consumer report, reporting inaccurate information. XXXX, XXXX, and Eqifax is showing inaccurate and misleading on the following accounts... 

XXXX XXXX XXXX
Product: Bank account or service

I paid {$500.00} cash ( see attached receipt ) at a XXXX to add {$500.00} to my prepaid American Express Serve card. The money was not uploaded. I have since contacted XXXX card services to verify the money was surrendered to XXXX. I also filed a dispute with American Express Serve in which they pretended to investigate the matter ( without asking for the store or a copy of my receipt or any relevant information ). They then replied that they did not find the transaction.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX FEDERAL XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Mortgage

Concern # 1 : Communication Due to the low interest rates offered during the pandemic, I understand that you all are very busy at the time. My mortgage counselor has been great but often it has been difficult to get in touch with her due to the increased volume. Furthermore, I noticed that the mortgage counselor acts as a middleman between me and the underwriter which prolongs the process. If possible, it would be great to communicate directly with the underwriter so I can provide them with the documents needed. This will make the overall process to be approved for the loan faster. 

Concern # 2 : Underwriting Process The underwriting process has been very frustrating. My mortgage counselor gave me an action plan and listed all the documents needed to be eligible for the loan which I provided. However, my mortgage counselor has submitted my application at least three times to the underwriter and each time they come back with new information that I need to provide. This prolongs the process of me being approved for the loan. Someone should look at my profile in its entirety and make a final determination of all the documents needed to move forward with the process. The information that NACA needs should not be staggered as they have been providing me. It is disappointing when I ask my mortgage counselor if I will be approved and she responds with a yes. Only later to find out that I am not approved because the underwriter needs additional information. 

In all fairness, I believe my application is not complicated and that I should have been more ahead with this process. I am very eager to be a homeowner and am usually able to respond to you all in 1-2 business days. I am hoping to be approved for the loan by the end of XXXX. 

Please reach out to me directly if you have any questions or concerns. I can be reached by phone at XXXX or by email at XXXX. Thank you for your consideration. 

Best, XXXX XXXX NACA ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Sat : I tried to log onto my Equifax account at https : //my.equifax.com/membercenter/ # /login in order to temporarily lift a security freeze, so that a legitimate creditor could verify my credit. However, I got the message " Please give us a call. We can't complete your request at this time. Please call the Customer Care Team. XXXX. Customer Care is available between XXXX XXXX. and XXXX XXXX. ( ET ),  Monday to Friday. '' I needed to give immediate access to the creditor on that day, which I believe I am entitled to according to FTC regulations. So, I tried calling the number anyway even though it was Saturday and according to that message, the company is closed. I discovered that the company was in fact open on Saturday, contrary to the message on the website. However, it was already closed at the hour I called. 

Via the phone tree, I was able to access an option that allows me to request a temporary security freeze lift through an automated system. However, it took 2-3 attempts, for numerous reasons. One time, the system hung on me. The second time, I was convinced I requested the freeze lift to begin on XXXX, but the confirmation message said it would begin on XXXX. Further, the system said it would send me a confirmation # through text message, which it never did. Thinking that there was an error on my part with regard to when the security freeze lift should begin, I called a third time to do the process all over again. I did in fact enter the correct start day of XXXX, but again the system confirmed a start date of XXXX. Further, the system again said it would text a confirmation # to my mobile phone, but it never did. 

After waiting > 1 hr, I requested the creditor check my credit once again. It said there was still a freeze on my credit.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX My reports are incorrect. Listing payoff accounts as a negative. My score is low although I pay my bills on time. XXXX has an inquiry starting I applied for a mortgage Im unaware of. The thought when applying for a mortgage there shouldnt be a list of inquiries. Their apps will not let allow you to order your information. Theres no customer service in one company.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXXXXXX  UNAUTHORIZED INQUIRIES 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

I REQUESTED YOU PROVIDE ME WITH A PROOF OF THIS ALLEGED PAYMENT BEING LATE .IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE .UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE ( XXXX ) PLEASE PROVIDE DETAILED DESCRIPTION OF ALL PROCEDURE USED IN PROCESS TO DETERMINE ACCURACY OF INFORMATION REPORTED I HAVE REQUESTED TO ALL THE CREDIT BUREAU ABOUT THE LATE PAYMENT ON MY CREDIT HISTORY TO PROVE. I HAVE NOT GET ANY REPLIED. SO I REQUEST ON MY CREDIT TO BE REMOVED ALL LATE PAYMENTS.