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

I have asked for proof of debt from all three companies and it has been almost four months and I have not received any response. I have already informed them that they are violating my rights by reporting false accounts. I feel like I am being taken advantage of and I feel like the bureaus have knowing allowed these violations to go unfixed. 

FDCPA section 807 violation misleading information Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$380.00} Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$650.00}
Product: Debt collection

Ability Recovery Services has repeatedly called me claiming I owed medical bills which I do not owe and has now reported this to a credit agency which has negatively impacted my credit score.
Product: Money transfers

On XXXX, I was speaking to a young lady by the name ofXXXX XXXX about a business venture where I would pay her {$50.00} to get started and she would " run '' some numbers and send the profit back to me. This conversation happened Thursday XXXX and I ended up sending {$50.00} to her by Western Union on XXXX/XXXX/2015. Then I got several calls and texts from someone name XXXX XXXX and when i tried to call XXXX back, no answer. Every since then this XXXX XXXX has taken over stating that XXXX did n't complete the transaction correctly. Yesterday I ended up having to send anther {$50.00} to XXXX XXXX by XXXX and still no profit. I called last night and today asking and demanding my money and his response was " these NUTS. " I just want my {$110.00} ( Money sent plus fees ) Even though the money was sent to XXXX XXXX, the person receiving the money is XXXX XXXX.
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 USC 1681. 

Account name : XXXX XXXX  Account # XXXX, Acct name : XXXX Bank, Acct # XXXX, Acct name XXXX XXXX XXXX Acct # XXXX, Acconut name : XXXX XXXX XXXX XXXX  Acct # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX has 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 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: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my updated Credit report from XXXX and upon further inspection, it is clear that the Credit Bureaus have not fully removed all the disputed Fraud items from my Credit Report. It is clear that my credit File has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any account and informattion which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureau and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the following items from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed ; {$4400.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I had a hard inquiry made fraudulently on my credit file. I was a victim of Identity theft & would like the hard inquiry removed from my credit report. The company is XXXX. Ive called on multiple occasions about this inquiry and it is still not removed from my credit file.
Product: Debt collection

CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/2022. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX SOLD TO CREDIT COLLECTION SERVICES. THIS ACCOUNT IS FRAUD AND NOT VALID. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Upon review of my credit fraud accounts are presented the reporting are In violation of 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports. I didnt provide consent to furnish account. Delete account.

15 U.S. Code 1692c 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, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 

Documents included the FCRA 605B ( 15 U.S.C. 1681c-2 ) Drivers license SSN DOB Bill
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Checking or savings account

It was a total of XXXX in overdraft fees which cause my account with Navy Federal to close in XXXX or XXXX of this year. It started in XX/XX/2024.
Product: Debt collection

I paid {$3600.00} towards a credit card ; in which my ex-wife had in her possession, charged to the limit and stopped paying. The cashier 's check is dated for : XX/XX/XXXX. This account was awarded to her in the divorce, however, she did not take the judgement serious. Because the card was in my name, of course I had to make good by it. 

Once this account was paid in full, not too long after ; the account was removed from all XXXX credit reporting agencies. In looking at my XXXX report dated : XX/XX/XXXX ; XXXX added this account back on my XXXX credit report on XX/XX/XXXX ; it states it is paid ; but it is still affecting me. Also as of : XX/XX/XXXX ; the 7-year diary has been reached and this account should not be on any of my credit reports. 

I have contacted XXXX via email on : Twice, disputing their letter written to me on XX/XX/XXXX. Both emails are dated : XX/XX/XXXX I also sent the emails to them by regular mail. I have not heard back from them, nor have I heard back from XXXX, in which I mailed them a letter on : XX/XX/XXXX ; disputing this same account and asking why, once the account was removed, how did it get added back on my credit report???? I disputed the fact that they have this account on XXXX, stating it is paid, but they are refusing to remove it. It is not legal for a company to remove an account off of a report and then because they feel like it, add it back on ; without my knowledge and even after it was paid in full. Please help me with this issue. I want this account removed ASAP,
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I don't really accept that I had this record with these gatherers/leasers. I attempted a couple of times to get in contact with them and solicitation possession confirmation, yet they neglected to give me the significant administrative work to demonstrate that I really own this record.
Product: Student loan

On XX/XX/2023 I submitted two payments too my servicer for two different loans ; that were not yet in default. The total payment was {$1300.00}. I noticed that the payment hadn't registered to my account, so I contacted ED Financial. After contacting them they told me that the payment was not showing up in there database. I believe fraudulent activity is a foot.
Product: Debt collection

Midland Funding reported the same debt twice at {$630.00} when this amount was disputed the amounts changed. I have requested sufficient back up as to what this account is and all that happened was the amount was changed. The company refuses to tell me what the original debt was
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/2023 I was denied a charge I had attempted for air line tickets. In disbelief I called my credit card company Synchrony Bank and they informed me that I was reissued a new credit card due to a possible Fraud situation. I was never made aware of this nor was I ever in receipt of the new card. They informed me that they sent me a new card on XX/XX/XXXX and on almost a month later ( not activating the card ) they don't follow up? Once again I have never been made aware of this " FRAUD '' situation. So I could stop using the card for purchases and help " them '' control the charges on the account. I also was never notified of me receiving a card, I think this is Fraudulent in its own right. I was also told on the XXXX that there were NO Mangers that I could speak with about this situation and that I would need to call back. I called back the next day during normal business hours to discuss and when I spoke to a manager they told me that they cant overnight me a card so I can conduct business on an orderly fashion. I don't understand what type of company believes that it is responsible to NOT INFORM the card holder that there are Fraudulent charges on his/her account as well as the current card being decline/invalid by a certain date. I think this is just another way for a Predatory ( and this company is predatory with their % rates ) company to mess with the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never contacted, contracted, hired or caused XXXX XXXX XXXX to do anything for me that I am obligated in any way to pay them for. 
They have no agreement or any other legal claim for payment from me. I owe them nothing, I don't even know who they are. 
I have never been contacted by them prior to them causing Eastern Accounts to place a collection item on my record with the CRA 's. 
Just because XXXX XXXX verifies the amount, does not in any way prove that I owe them anything. I have no knowledge of why they think I do. 
It's very simple to claim money. It is very difficult to prove you are owed, without any type of contract or other document, signed where I agree to pay or even have caused to be paid. 
No company should do work or try to charge for work without some document stating that the person the are trying to collect from has knowledge of and agrees to the charges and intends to pay them for said services. 
Provide written proof I hired a service from you and I'll pay it. Otherwise, I will not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I shared a lease for my wife at the times XXXX XXXX. In XXXX of 2020, during the COVID lockdown, we had both been furloughed from our jobs and were unable to make payments on the car during that time. Before we were late with a payment, she called XXXX to ask if they would be willing to pause our payments until we were able to pay again. They agreed and had done it with many customers already. We were grateful. In XXXX of 2020 ( do not remember the exact day ), I had just been able to get back to doing some work and received multiple calls from XXXX that informed me that we were late on our payments. I asked my wife to call them and ask if there was a problem. She called and the XXXX representative told her they were automated calls about being late and to ignore them as we had paused our payments only about a month earlier. I continued to receive these automated calls over the following weeks so I called XXXX personally to ask them to stop calling. At this point the representative informed me that the payment pause was only for one month and if we wanted to extend it we would have needed to call in again. This was absolutely not made clear at the time of the pause. and then on top of that, we were told to ignore the late payment calls. How are we supposed to know if a XXXX representative is telling us accurate information or not? We made the mistake of assuming they were giving us credible information and we ended up being hit with a 30 day late note on our reports. I had never over many years with XXXX been late with a payment. And as soon as I called and spoke with the representative, I paid the entire back balance ( two months XXXX along with the remainder of the lease ( ended up totaling about 4 months of payments ) immediately on the phone with him. I then wrote XXXX explaining this situation and they told me they would not correct it. This is deceptive and during a time like COVID lockdown where people needed help, XXXX offered help and then punished us for accepting it. It was the wrong way to handle the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approx imately 4 w eeks ago as of  XXXX / XXXX /  XXXX   I tried to update my Equifax credit score and report. I was unable to do so and received an error. I contacted the credit bureau to notify them of the problem they said they had the same problem and would initiate a high level inquiry and it would ta ke 7 to  10 days. I contacted Equifax on  XXXX / XXXX / XXXX  the same problem still exists still no resolution to my credit file. information from creditors and other credit bureaus is being reported erroneously from a date of  XXXX / XXXX / XXXX . I have since paid collections and credit card balances down which is not being reflected on the report or score. I am in the process of purchasing a new vehicle and this erronious information is impacting my ability to purchase a vehicle. I payforthis service  XXXX  a month this is not a free credit report issue. I was also told this because of a fraud alert from  XXXX  this not the issue I have not had any problem processing my credit report since  XXXX  until a month ago
Product: Vehicle loan or lease

First consumer financial in XXXX XXXX Louisiana has started garnishing my check within the last year after having worked on my credit report that the balance was charged off loss of profits it has stated this on my credit report for years and as of XXXX  they have started garnishing my check on something that they reported to the IRS is charged off. The original loan was a little over {$10000.00} and they're garnishing my check for the amount of {$30000.00} I have never received it 1099c or original documentation from the company about this garnishment I found out through my job nothing was mailed to me no one ever reached out to me
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from XXXX XXXX XXXX is reporting on my credit report currently. This alleged debt is the result of an identity theft that apparently occurred quite some time ago. I have not ever opened an account with XXXX XXXX XXXX or XXXXXXXX XXXX XXXX  XXXX. I have disputed this debt and requested verification under Section 609 FCRA and although 90 days have elapsed the only item I have ever seen is an uploaded notice from XXXX  sent to an address that I have never lived at. Despite my claims and disputes XXXX, Equifax and XXXX  continue to allow this erroneous item to be reported to my credit bureau despite my plethora of requests to XXXX, Equifax and XXXX  notifying them that XXXX  is not complying with Section 609 FCRA. 

I am attaching a notice of a press release from the CFPB where they sued XXXX for the very same conduct they are currently engaging in regarding me. XXXX according to the lawsuit buys debt and is it able to provide documentation in the event of a dispute. Each of the credit reporting agencies have received notice of my dispute on at least three occasions but they continue to report the erroneous item on my credit file. This complaint will once again reiterate the fact that as of the submission of this complaint some 90 days after my first dispute and written notice to XXXX, Equifax and XXXX  that neither XXXX XXXX XXXX nor XXXX have complied with Section 609 FCRA which requires each of them to provide me with specific documentation pursuant to my complaint of identity theft ; which neither of them to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XX/XX/2018 Confirmation # XXXX Personal Identification Information under previous address Equifax has for the last past months after I have reported that these address are not my address and have ask Equifax to provide proof of the said address that are not mine or have ever been any address of mines. 

Wrong Address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Provide proof of these address on file by Equifax as my address belonging to me by lease, purchase, rent in documentation as in my name. 
Equifax has the wrong information as to these address and it has been over 4 months now and incorrect address and information on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert placed on my credit report at all three credit bureaus. I called all three companies to have it removed, as " I did not initiate the alert ''. After two days of speaking with multipul representatives. I still am no closer to a reasonable resolution.  XXXX directed me to their website to upload my drivers license and a utilities bill to verify my identity which is great as it is hard to get around. SURPRICE!!!!! the website does not work. XXXX claims they recieved the alert from XXXX, who claims Transunion initiated the fraud alert back on XX/XX/2019 When I inquired as to how these fraud alerts were initiated I was told only I personally could intiate the alert. SURPRICE!!!!!! 
" I did not intiate the alert! ", Hmmm?, I must be sleep walking. I keep my credit reports locked unless I am apply for something. this whole thing seems like a scheme to get you to buy one of their credit monitoring packages. whatever help you can offer is appriciated.