23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I was stunned by the information furnished on my report. I have filed a FTC complaint because I do not know where these accounts came fromXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI want a manual investigation into this matter because as stated before I never entered into a consumer credit transaction with any of these data furnishers. I am sure that you are well aware that current case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by FCRA 15 U.S.C & 1681 [ a ] ( 4 ) You have NOT provided me a copy of Any original documentation that you have on file that is required under Section 609 & Section 611 [ a ] ( 1 ) ( A ) ( a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to Promptly DELETE all information which can not be verified
Product: Debt collection

XX/XX/2022, I checked my XXXX credit report due to me trying to purchase a home. After checking, I realized there was a collections account from Receivable Performac. What is bothersome to me is that, I did not receive any correspondence in regards to the debt, however the debt is listed as collections on m credit report.
Product: Debt collection

I returned XXXX equipment on XX/XX/XXXX, and settled the debt with Previous Collector on XX/XX/XXXX, confirmed by XXXX as XXXX balance. Now, XXXX Collector is reporting the same debt, violating my rights under FCRA 611 and FDCPA 807.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a 36 lease obligation with XXXX XXXX XXXX. I paid up the last few lease payments with a check of about {$3000.00} or so. Never 30 days late. I ended up owing some taxes which I was planning on paying towards next month bal. of {$1700.00}. I check my credit report today XXXX reported me 30 days late. This is not fair credit reporting to a good paying customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  ACCT # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my second request, and the 2nd time that i am sending a copy of my social security card and my driver license along with my FTC report to Experian for my complaint due to identity theft
Product: Credit card

I opened an account with Synchrony Bank with a " promotional offering '' of No Interest if Paid in Full within promotional period which ends XXXX 2016. This credit card was opened to purchase art work through XXXX XXXX XXXX XXXX. XXXX 2016 billing charged {$470.00} interest on what appears to be a portion of {$1100.00} of the amount owned. An amount that is over 43 % interest. The amount due on account, to be paid in full without interest by XXXX 2016 is {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that I DO NOT RECOGNIZE and believe it to be fraud. I have tried to call XXXX, both the savings/checking and the credit card customer service numbers to inquire. They can not locate the account with the SSN I am providing them. On my credit report it is tilted XXXX XXXX # XXXX with a balance of {$23000.00}. This transaction did not show up on my credit report until XX/XX/2019. Please help! I am in the market to buy a home as a first-time home buyer and I can't believe I have to deal with this when I've done nothing but keep my credit as good as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted Freedom Mortgage on XX/XX/XXXX and XX/XX/XXXX related to the removal of Private Mortgage Insurance ( PMI ) on our account. After several phone calls and finally a request to speak to a supervisor or manager, I spoke with XXXX XXXX in XX/XX/XXXX. We currently have an appraisal report that was requested with United States Appraisals due to considering a re-finance. The re-finance process was started since we were led to believe this was the only way to remove PMI ; we found out otherwise and terminated the re-finance process. We have requested that Freedom Mortgage use the current appraisal report ( dated XX/XX/XXXX ; was less than 30 days old upon initiating request process with Freedom Mortgage. Over 2 months have passed due to Freedom 's delays and lack of engagement. ) I understand Freedom Mortgage prefers the use of Single Source for property appraisals ; however, I have asked numerous times for Freedom to provide me with the legal basis or regulation that allows them to require our use of their preferred appraisal service. Nothing has been provided to me. Under the Homeowner 's Protection Act, the following requirements are outlined ( of which we have met ) : submit a written request, has a good payment history, borrow is current and satisfies requirements to establish the value of the property has not declined below the original value and equity in the property is not subject to a subordinate lien. As of XX/XX/XXXX I had not heard back from XXXX XXXX, as promised ( he indicated he would take my request to management for review and consideration ). I sent another email on XX/XX/XXXX and as of XX/XX/XXXX, no response from Freedom. I sent another email on XX/XX/XXXX to finally request that Freedom provide a legal basis to not use our current appraisal report otherwise I would have to take the matter to small claims court. Freedom called our home on XX/XX/XXXX and requested a callback. My husband spoke to XXXX - who indicated that if we sent our appraisal report in, they would like to review and likely use to remove the PMI. On XX/XX/XXXX, we received a letter from Freedom indicating a generic response that we have to use their preferred appraisal company to remove PMI - again refusing to provide me with the regulation or legal basis to require my use of another appraisal company and consequently the valid appraisal report we have. I have also pulled documents that were originally signed for this loan, and nothing in the paperwork indicates we have to use the lender 's preferred appraisal company for PMI removal ; the documents simply outline the terms of removal under the Homeowner 's Protection Act - which we 100 % have met the criteria. Please help us work with Freedom to allow the use of our current, valid appraisal report. I do not believe we are obligated to use their preferred appraisal company.
Product: Credit card or prepaid card

I paid a {$60.00} deposit to XXXX XXXX XXXX in XXXX on XX/XX/2023. The hotel did a refund to my cash app card on XX/XX/2023. I have not been refunded my money from the hotel. The hotel did their part, but cash app is refusing to refund it.
Product: Credit reporting or other personal consumer reports

I called the credit bureaus and ask them to remove some personal information off of my credit report they removed some but some personal information is still not off. I also sent letters on 3 separate occasions and some personal information is not off as I requested. I want my personal information removed and updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$0.00}
Product: Money transfer, virtual currency, or money service

I made a series of sales of virtual currencies on Coinbase on the following dates, for the following amounts and with the following reference numbers issued by Coinbase {$4800.00} USD XXXX XXXX XXXX {$2800.00} USD XXXX XXXX XXXX {$5000.00} USD XXXX XXXX XXXX {$200.00} USD XXXX XXXX XXXX {$130.00} USD XXXX XXXX XXXX The destination I chose for the proceeds was my bank account. I was told expected payout for each transaction would be the following day. Then I saw elsewhere on the site that it would take 4 to 6 business days for funds to arrive. 

The sales on the XXXX and XXXX did not arrive until XXXX XXXX, a full 12 and 13 business days after the sales. 

The remaining transactions have yet to arrive. It has been 9 and 10 business days since the transactions on the XXXX and XXXX. 

I have sent repeated inquiries to Coinbase over the past two weeks to no avail. They have yet to respond. Their XXXX for their support functions also has ignored my repeated XXXX and direct messages. In the time that these funds have been in transit, I could have earned a decent return on them.
Product: Debt collection

This 3rd party collection reporting company PROGRESSIVE MANAGEMENT S will not Delete this account from my credit report after they was told from my Medical Provider all my bills are paid through XXXX XXXX XXXX XXXX XXXX XXXX  Under Fair Credit Reporting Act Law, Section 609 through 617 I have the rights to have this account Deleted permanently from my records once paid in full. Ive sent them letters stating I would pay along as they would agree to Delete from my report and the still refused and stated there is nothing I can do about it PROGRESSIVE MANAGEMENT S Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Phone number ( XXXX ) XXXX
Product: Credit card or prepaid card

Approximately mid XXXX I went into XXXX Department XXXX located in XXXX to make a return. They processed my return however I noticed a charge on the account that I never authorized. I called Chase Credit Card and they advised to contact the merchant since the credit card was used via a chip. I went in and spoke to XXXX the Store Manager or someone in Loss Prevention Department who had advised that she looked at the surveillance video and noticed that I did not walk away with the merchandise. She stated that I would be receiving the credit of {$370.00} and that transaction was VOID. A month has gone by and I still noticed that I not only have still been charged but interest is gone up as well. I called back to Chase to get this removed off of my transactions and I explained to them that I did not make that purchase. I did not sign for the merchandise and I did not walk out of the department store with the items. They gave me a temporary credit and said they would dispute it with XXXX. A month after I received notification that the dispute has been resolved expect not in my favor. They said that the chip was used and I was responsible for it. I told them that the transaction for the {$370.00} was a void transaction not a purchase. I told them that I believed that the employee made a mistake or she probably engaged in fraud. As of today, I have still been charged for the {$370.00} and have not seen any refund. Again this FRAUD and I have not authorized this transaction. Please issue me a full refund in the said amount. Also, when I called and spoke to a manager or supervisor in charge of the dispute department ( I am sure you have the call recorded XXXX he was extremely rude. That was the last time I initiated a conversation with Chase about this issue.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX  ) XXXX XX/XX/XXXX - Balance : {$29000.00} Account Name : US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$36000.00} Account Name : XXXX XXXX XX/XX/XXXX - Balance : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife XXXX XXXX has been dealing with XXXX for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED DOCS.
Product: Vehicle loan or lease

I have found a complaint with XXXX  XXXX XXXX  and West Lake financial company and XXXX  XXXX warranty company I had a car for two weeks that have a bad engine they told me repaired the part they did not do it I voluntarily gave the car back from Westland financial every time I called I could not talk to someone I got the runaround I ask for papers in writing. From Westlake Financial company and also XXXX  XXXX the car dealership told me to get the warranty and it didnt cover anything the car has {$18000.00} worth of damage from the XXXX theyre all working together and I checked my credit report and it was ran like XXXX times this is a fraud. Also on my financial records the car was supposed to be XXXX And they upped the price to XXXX and Ive tried numerous of time to get paperwork to talk to someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PLEA TO XXXX XXXX IS TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY EXPERIAN CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, THE ACCOUNT FROM AND THE CHARGES ARE FRAUDULENT. I HAVE NEVER APPLIED FOR A ANY TYPE OF CREDIT CARD FROM XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud and in result, they have been several attempts and accounts that don't belong or are authorized by me I have done everything Transunion asked me to do and still no progress on the inquiries only the accounts were handled they have on file that they received my supportive documents on XX/XX/scrub>XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention. My personal information has been exposed in the national data breach reviewing my credit reports I noticed some accounts I am unfamiliar with. I have asked the CRA for validation of debt however, the information has not been provided due to my information being exposed, I have submitted a FTC complaint reporting the information. I am not familiar with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I filed a CFPB complaint against Equifax, XXXX, and XXXX regarding the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with a representative from Equifax, XXXX, and XXXX  and they told me that the following accounts are " verified '' even though they did not hear from the creditors directly regarding their investigation. So basically, the account was just updated, but I still see the same errors. I have requested validation from these creditors directly ( which I have attached the certified mail receipts and included the certified mail tracking numbers ) and they never furnished any proof of debt such as a signed contract bearing my signature. From my understanding, a bill is not a validation so they have basically ignored my requests.
Product: Credit reporting or other personal consumer reports

In summary, I have been experiencing issues with a consumer reporting agency, specifically XXXX/EQUIFAX/XXXX XXXX The initial notice was sent to the companies on XX/XX/XXXX, and despite allowing ample time for investigation, the issues persisted. On XX/XX/XXXX, I obtained all copies of my consumer reports, revealing numerous inaccuracies in negative accounts. 

These inaccuracies have adversely affected my ability to obtain credit, leading to high-interest rates on loans due to unauthorized reports. I have faced financial exploitation, as these companies have been compiling information on me without my consent since my legal age of 18, creating a forced non-consensual bond over the last five years. My information is being trafficked and transferred without lawful consent. These Companies are committing Criminal coercion. 

The company has failed to respect the XXXX XXXX XXXX XXXX, claiming not to be required to follow it, and disregarding my consumer rights. They have consistently opened reports in my name without written consent or a request for such release of information. The situation has eroded my trust in the banking system, resulting in rejections for credit cards and loans essential for my transportation needs and living situations. when I called the companies the more information they have added without my consent and random addresses they have added to my report they are causing massive detriment upon my likeness. They're bidnign me to involuntary servitude. Where they won't respect my LAWFUL right to my personal right to privacy of information and know I NEVER GAVE WRITTEN CONSENT.
Product: Debt collection

The National Credit Systems is attempting to request a collection debt of {$2400.00} I do not owe this debt. I have only received a ledger from them with random charges I have no recollection about. When I contacted the rental property asking for more details and documentation they stated to me that I was no longer in the system and they don't have any documentation and to contact the Creditors for more information. The National Credit system is saying that they have to contact the rental property for the details of the ledger but the rental property has already confirmed to me that they do NOT have the documentation to provide. My move out date on the ledger from the national credit systems states that my move out date was XX/XX/year> but I found an email stating that my lease was from XXXX
Product: Mortgage

I got a reverse mortgage in XXXX 2016 with Longbridge Financial LLC. They sold the mortgage to XXXX XXXX XXXX XXXX. On the hello-goodbye letter the number for Longbridge is a non-working number ( XXXX ) and when I contact XXXX XXXX XXXX XXXX at the number listed XXXX they say they do not service Reverse Mortgages. I looked up the number for them online XXXX and they informed me they do not handle reverse mortgages as well. The option I took was a line of credit, so of course no one can direct me where to get a draw or who to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS STILL REPORTING FRAUDULENT INFORMATION ON MY FILE AND I WOULD LIKE IT TO BE REMOVED. THEY ARE NOT ANSWERING ANY OF MY LETTERS THAT I'M SENDING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$2600.00} ; XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX & XXXX {$2600.00} Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX : {$660.00} ; XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance XXXX {$950.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I have never received any bill nor notices from XXXX XXXX I viewed by credit report, and I saw this error. I was never informed of such issue. This issue looks to be very small and to put it in my credit report without verify with me that this issue an account I know of every very strange. This company says I owe then {$140.00}. I do not owe them any funds. Please remove this from my credit reports.
Product: Credit reporting or other personal consumer reports

Experian is violating under the Fair Credit Reporting Act ( FCRA ).
Product: Credit card or prepaid card

Hello I have an American Express serve prepaid card account & haven't had any problems until today XX/XX/2020 there is an unauthorized charge of {$49.00} on my account which was my bill money to pay a bill due on this same day & it is impossible to get I touch with anyone to get help with this problem that is really about to cause me unnecessary issues & late charges due to utter incompetence, I have tried contacting for help & nothing at all I need something done about this immediately thank you!