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

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Debt collection

I received a phone call from this company, Portfolio Recovery Associates , LLC. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$1300.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me. They have numerous times asked me for more information before they would investigate or even consider investigating. This is in clear violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This would be my eighth complaint on not being able to get the government authorized access to XXXX Listed are the seven previous complaints filed already : XXXX -- XXXX -- XXXX -- XXXX -- XXXX -- XXXX -- XXXX On each of the listed complaints that request to gain access or have the restrictions and blockage removed so that my wife and I will be able to download the once a week annual-credit-report from XXXX or to be able to have the restrictions removed from the Equifax site that will allow us access to the paid or equifax.com accounts. 

In each of the previously opened CFPB complaints, their initial response has been " needing more time '' or " needing to contact provider '' when the complaints and subject matter deals directly with Equifax iteself.
Product: Debt collection

I paid XXXX or XXXX bank for a debt that I owed. A few weeks later a collections agency, called LVNV Funding, said I owed them the debt. I called, told them I paid it off and they should reach out to whoever they purchased the debt from. I was told they needed to do an investigation into it would take 15 days. 

When I called back they said the debt had been paid but It could not be reversed from my credit. 

I want this reversed off of my credit report because I don't want this to show that I've had a recent collection. I never paid them and I don't owe them and I have the screenshot from my statement to show it. 

I called them and told them they need to reverse it. They just said they could only report that it had been paid not that it could not be reversed. I've tried calling twice but have gotten the same answer. I need this to be reversed. 

I have tried reasoning with XXXX and they said there was nothing they could do and I would have to deal with the collections agency. 

Whos responsible? and how does this get reversed?
Product: Debt collection

I have repeatedly requested that Central Financial Control provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attache
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I disputed several Items on my credit reports and sometime at the earlier part of XXXX, they all came back as verified accurate reporting. I'ts been several months since then and curiosity set in. I decided to look into my legal rights as a consumer and exercise them. In the month of XXXX I requested that Transunion, XXXX  and XXXX  inform me of how they verified the information on my credit reports and request a re-investigation of the disputed items. They have failed to provide the necessary documentation within the proper time frame and have not removed the items in question. As of XX/XX/2019 I gave two of them a phone call before making this report, to see if the items were removed and both Transunion and XXXX  stated they are still investigating my dispute. I explain to them i'ts past the 15 day time frame and under the FCRA rules and regulations this is illegal. They also claim the public record was verified accurate by the courts but I've obtained information in writing they don't give out information to the credit bureaus.
Product: Debt collection

I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint PortaXXXX : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which  requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
Product: Debt collection

said i would be charged in 48hrs with a XXXX XXXX XXXX on a repoed car 17yrs ago thru citibank
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting inaccurate information on the consumer report. Ive already tried resolving the problem by communicating by mail. I demand EQUIFAX to delete all unverifiable non validated as well as the inaccurate information showing on the consumer report that I never gave my written permission or consent to. See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complaint issue over my Public record it is not accurate. The bankruptcy is listed wrong error please delete XXXX FRCA and XXXX. I have addresses that are not mines or possibly belong to family member. please remove the following items. 
XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017, I found out that my personal data was compromised by the Equifax data breach. I tried to add a security freeze with all three agencies. I received error messages by all three - I believe because I am new to the United States and have a short credit history. However, I was able to add this freeze to XXXX and XXXX by phone. When I tried to do the same with Equifax, they provided no option to add this by phone. They requested that I mail in my social security number, name, date of birth and credit card details to a XXXX XXXX XXXX - which is highly insecure. I called the hotline for the data breach issue and was told that they are n't Equifax, they 're contractors and they ca n't provide me with a customer service number for Equifax, that I should XXXX it. I found a customer service number online that 's only active during the day Monday to Friday. My data is stolen and I have to wait three days to do something about it? 

I tried instead to add a fraud alert so that any issues could be prevented right away, and again I could n't do so online or by phone and I was requested to mail in the information - including a photocopy of my social security card! 

This is highly unprofessional and negligent of Equifax. In my opinion, I should have automatically received a security freeze at no cost - and now I 've spent three hours dealing with this, and I have no guarantee of resolution. Further, I have to risk further compromise of my data by sending in my information by mail to a XXXX XXXX , which means I ca n't send it by courier for sign on delivery. 

In sum : - They allowed my data to be stolen - They are not offering any remediation to protect from abuse or identity theft ( credit monitoring is reactive. They will tell me if something happens after the fact and I will have to invest the time in the remediation ) - They are not contactable - They are not honoring a request for a security freeze or fraud alert to be placed immediately on my account - They want me to further compromise my data by sending all of my personal identifiable information by mail to a XXXX XXXX XXXX, which eliminates the ability to send it by courier and getting a name of someone who signed for it - They do not provide the time lapse between a mail in request and when they will actually place the freeze. So if I risk sending my information by mail, there is no timeframe to resolution It 's criminal that these credit reporting companies have no oversight or governance. They have the most sensitive data of nearly everyone in the USA and they are being negligent with it. And there is no means of remediation.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Det ( FCRA ) to Conduct a reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, Alleging Systemic ISsues such as Failing to Forward consumer-provided evidence to Fumisters Accepting unreliable responses And XXXX to adequately notify consumers of dispute outcomes. These Failures align with my experiences, where Experian has neither connected nor removed disputed items despite the evidence I Provided causing ongoing harm to my credit Standing I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates Federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

JMD pay This company provide me a certificate for providing some services like ( mobile recharge, electric billpayment, and cash withdraw threw aeps ) etc. They are saying its absoulutly free of cost aap .so i used this aap. Then he says keep transact threw this aap. I have tried once cash withdraw threw aeps XXXX rupees. It wthdraw from custmers account and add to JMD pay wallet. then i transfer wallet to my own account. its deduct some money then add to my own account. then I have withdraw XXXX rupees, but its not transfer to my account its only shows in wallet balance. I repeted and contact them mob ; - ( XXXX ) in this number. then he says ur account in under scheme u should transact minimun of XXXX then u can transfer total amount to ur account. I have do same thing I have no option because already my XXXX is pending in wallet. When I completed XXXX in wallet. Then I saw in wallet balance XXXX XXXX add in wallet. The company HOD on call this work complete. HOD say that after XXXX to XXXX minutes later u can transfer ur money wallet to ur account. After XXXX minute when i open this JMDpay aap I saw that wallet balance is only XXXX rupees missing. I call them no reply my JMDpay account inactive. kindly help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To who it may concern : XX/XX/XXXX My name is XXXX XXXX. I had an account with XXXX XXXX XXXX XXXX for a couple of years and I paid it off on XX/XX/XXXX, in full. 
This account continues to damage my credit however. It is reporting as negative and that it was opened or closed on XX/XX/XXXX which is incorrect. 
I lost my job during which time I was late on a couple of payments. I always called and stayed in communication with the company and eventually paid it off. I was told at the time that it would not affect my credit and I believed them. 
I initially purchased my car in XX/XX/XXXX, yet this is reporting negatively to this day. It has been 9 years! 
Please help me. I need the account to show in good standing. There is an error in the reporting. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX
Product: Checking or savings account

While at work, on XX/XX/XXXX I receivedseveral alertsof fraud / suspiciousactivity regarding transactionsto my Bank Of America checking account. After looking at all these notifications I found all these charge attempts being made by someoneusing my debit card! Almost $ XXXX in attempts and one of which has been postedby some resort. I immediatelycontacted Bank of America andhad locked the card as missing/stolen, and noted the visible unauthorized transactions. Searching everywhere, I could-not find my pouch with my BoA debit card, driver 's license, credit cards, cash and car keys! I do not know how or where and stumbled as to where it happened! Someone apparentlygot to it and was not a good person, instead they decided to rack up all these changes. I have called Bank of America on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requestingan update on the fraud claim ( Claim ID # XXXX ) and how they're going to get mymoney back. I indicated to them that my mortgage payment is going to be drafted on XX/XX/XXXX due to the XXXX holiday and was told the matter would be escalated for resolutionand I should receive a response/resolution within 24-48 hours. Following no response, on XX/XX/XXXX I called again and was told no one escalatedthe matter and that it would be and I should see a response or resolution within 24 - 48 hours. Looking over my account, no one has made a resolution and now seeing one of theunauthorized transaction attempts, {$3900.00} was posted. This has nearly wiped out my account and no credits were applied from Bank of America to this regard. I am so afraid that our upcoming mortgage and bills won't be paid in time. Disappointingly I believe I'm going to be given the run aroundandfear that the bank may not fulfill its zero-liability guarantee. Where is the protection?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report that I never authorized or approved as well as a collection account with XXXX XXXX that I dont know anything about. The follow companies with unauthorized inquiries reporting on my credit are : XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute certain information in my credit file identified during a recent review of my credit report. The details I am disputing are not accurate and reflect inconsistencies that could impact my creditworthiness negatively. Under the Fair Credit Reporting Act, 15 U.S.C. 1681 ( e ) ( b ), I request an investigation into these inaccuracies to ensure my credit report reflects only accurate and verifiable information. 

The specific inaccuracies I am disputing are as follows : Original Lender Name Inconsistency : My credit report lists the original lender as Progressive with XXXX and XXXX but XXXX XXXX with TransUnion. This discrepancy may lead to confusion or the appearance of multiple debts instead of one. I request that this information be corrected to uniformly reflect the accurate original lender name across all three credit reports. 

XXXX XXXX XXXX : The collection agency handling my account is listed differently across the three credit bureausthis inconsistency could imply incorrect reporting of the collection account. The correct name of the collection agency should be uniformly reported by all three bureaus. Please investigate and update this information to accurately reflect the collection agency handling this account. 

Status Descriptions Variability : The status of my debt varies significantly across the reports, from Unpaid to Collection account to an extensive description on XXXX. This variation could mislead credit grantors about the true nature of the debt. I request a review and uniform update of the status description to ensure it accurately represents the status of my account. 

Enclosed are copies of documents supporting my position and highlighting the discrepancies for your review. Please note, I am not requesting the information be deleted if it is accurate, but rather that an investigation be conducted to verify its accuracy. 

I understand under the Fair Credit Reporting Act, you have 30 days to complete an investigation of the items I have disputed and to provide me with the results in writing. If the information is found to be inaccurate, the law requires you to correct it or delete it from my file. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XXXX of 2022 I fell victim to a crypto scam. I sent XXXX to what I thought was a legitimate business entity that turned out to be a scam and took the funds. I have now been for over a year trying to get these funds back. Please see attached document for further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want a copy of my criminal background report from XXXX and Experian. Pursuant to Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. That means I am entitled to a copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. Duty of furnishers of information to provide ACCURATE information. It is PROHIBITIOn. Reporting information with actual knowledge of errors. A person SHALL not furnish any information relating to a consumer to AnY consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate. Duty, accurate and prohibition. 15USC 1605 determination of finance charge. According to the IRS any cancel debt must be file form 1099c. The IRS defines cancel debt as a INCOME, INcome does not reported on consumer report which in fact makes the company of this account inaccurate. Reporting information after notice and confirmation of errors. A person SHALL NOT furnish information relating to a consumer to any consumer reporting agencies. 
The continuing reporting of this information is a clear violation of Law 15 usc 1681s-2 of your responsibilities as a furnisher of information and 15USC 1681q obtaining information under false pretenses. Any person who knowingly and willfully obtains information on a cunsumer reporting agency under false pretenses SHALL be FINED under Title 18imprisoned for not more than 2years or both. XXXX even they received my written letter on XX/XX/2022 at XXXX tracking number XXXX explaining everything, they are still made an update today XX/XX/2022 XXXX. You were also put in notice ANY person meaning The consumer reporting a bench, who knowingly willfully reporting inaccurate information is violating the LAW. Failure to respond to this factory with deletion of the all charge offs will result in legal action being taken against the consumer reporting agencies for which I will be seeking {$1000.00} for violations. 15USC 15suits by Person injured. Defamation of character, negligent non compliance, civil liability and mental anguish.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a medical collection that I paid off that was showing on my report. I paid this debt off in the amount of {$110.00}. The debt was then to be removed from my report as it is a medical debt. So far it is still showing as a collection on my report from XXXX XXXX