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

XXXX XXXX Equifax is breaking the consumer law pertaining to XXXX XXXX Account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation.
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 XXXX XXXX XXXX. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently after obtaining a copy of my credit report I discovered that NCB Management Services Inc is listed as a current creditor for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and is reporting as open, and " Charged Off '' including Remarks ; Disputed resolved ; reported by grantor, consequently inaccurate balances have been furnished to all three credit bureaus. It appears the original creditor, [ XXXX ] sold the account to NBC Management Services for collection on XX/XX/XXXX, the initial loan amount reports a balance of {$2500.00} and secondly, a balance of {$2300.00} several disputes were filed with the Credit Reporting Agencies ( verbally and written ) between XX/XX/XXXX and XX/XX/XXXX. ( see attachment ) All three credit reporting agencies investigations have responded with " verified as accurate. '' According to the FCRA Section 609 ( a ) ( 1 ) ( A ) ( a  consumer contract with my signature on it ) is required and Section 611 ( 5 ) ( A ) mandates " promptly '' DELETION of all information that can not be verified. '' NCB Management has failed to provide its source about how this information was obtained in accordance with the FCRA, and has owned the account since XX/XX/XXXX and failed to provide appropriate debt validation required by federal law verification before posting to my credit report An attachment is included with complaint confirming a request to obtain debt validation.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed multiple unauthorized inquiries on my credit report I did not authorize due to the fact my wallet was stolen and Id along with my ssn card was stolen. I call XXXX XXXX and Equifax credit reporting agencies today about XXXX as instructed to by my local police department crime report # XXXX that I obtained my identity theft police report from. Unfortunately that wasnt possible after speaking to fraud department agent XXXX team name : XXXX  who became very aggressive belligerent with me during my attempt to dispute my fraudulent inquiries. Which she stated I cant dispute this inquiry because you have an account associated with it but that was a compete lie. So I then asked to speak to a supervisor and she transferred me to supervisor agent XXXX I asked him to provide me with his id number or team name and he refused it stating he cant give that information. I then acknowledged to him that his agent XXXX aka XXXX lied and told me I had an account with XXXX XXXX XXXX  and he admitted I didnt have an account from XXXX XXXX XXXX and that he apologized for the mistake. I accepted the apology and proceeded to move on with my disputes but he informed me that he couldnt help me moving forward with my disputes so here I am now having to dispute these inquiries with the cfpb. Please delete unauthorized inquiries as follows for I dont have any accounts associated with them nor did I receive any credit from them : 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 XXXXXX/XX/year>
Product: Credit reporting

I couldnt recieve my credit scores or info from 2 credit agencies XXXX or XXXX and i on the one i did get it said something about auto financing loan and mortgage loan so i dont know what those are i dont own either of the 2 a house or a car
Product: Debt collection

Midwest Recovery Systems is attempting to collect on a debt that I had already paid in full in XXXX of 2017. And I have received harrassing phone calls saying that they were going to report to the credit bureau or serve me. Please see attached receipt of when it was paid in full
Product: Credit card or prepaid card

We received a gift card for XXXX. XX/XX/XXXX we used the card at a fast food restaurant and the amount taken was more than the receipt. Then at XXXX pm the same day the balance was spent at XXXX department store in NY. We live in the Midwest. I contacted Vanilla Gift Card XX/XX/28 and was advised I would have to call back in 7 days. When I questioned her why this couldn't be handled today. She said the pre Auth has to come off and they will only refund money given back from the retailer. I was questioning why we had to wait when the money was already gone and she hung up on me.
Product: Credit reporting or other personal consumer reports

Recenty. I did an investigation on my credit report and found several items on there to be inaccurate Under 15 US. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. & shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( S ) Treatment of inaccurate or unverifiable information ( A ) in general If, after any reinvestigason under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verfied, the consumer reporting agency shall ( promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the fumisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following items from my credt report, immediately. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired TransUnion, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX This is making me lose confidence in the banking system due to these violations. I the consumer does not grant TransUnion. The permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXXXXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
DELETED & REMOVE & UPDATED
Product: Debt collection

XXXX for my daughter on XXXX XXXX, XXXX. My health Insurance provider paid this medical bill in full in XX/XX/XXXX for the visit and the physicians. XXXX XXXX XXXX has sold this debt to XXXX different collection agencies. Those collection agencies were provided the proof that this medical bill has been paid in full by the health insurance provider XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Once again, I am being harassed by another collection agency.
Product: Credit reporting or other personal consumer reports

I am rewriting to address a matter of utmost concern to EQUIFAX regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that EQUIFAX conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Product: Credit card

I purchased an item on XX/XX/2024 using my cashapp card. I waited about a week until I contacted the merchant since they still havent shipped and I ended up being blocked by the merchant. I tried making multiple disputes through cashapp and Im constantly denied even tho I showed all the proof I had. My purchase was {$36.00} and the merchant is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received numerous threatening calls from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX demanding that I pay the debt owed, otherwise I would be sued or taken to jail. They also threatened to come to my home and place of employment. Arrangements were made to pay debt in full, and the following accounts were supposed to be removed from my consumer credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} 2. XXXX XXXX XXXX {$340.00} 3. XXXX XXXX XXXX XXXX {$450.00} I am requesting full DELETION of these accounts from my consumer credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> | discovered that this account had been fraudulently opened in my name without my authorization. I promptly reported the identity theft to the relevant financial institutions and provided them with report and a completed identity theft affidavit. Despite these actions, the accounts have not been closed, and the fraudulent charges have not been removed from my credit report these accounts continue to negatively impact my credit report and financial well-being. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Actions Taken : Identity Theft Affidavit Submitted Correspondence with Financial Institutions : Multiple Phone Calls and FTC Affidavit sent. 

Accounts : XXXX XXXX. ( Opened XXXX ) FCRA Violations : 1. Failure to Block Information Resulting from Identity Theft : Violation : Under 15 U.S.C. 1681c-2 ( a ) 2. Failure to Conduct a Reasonable Investigation : Violation : Under 15 U.S.C. 16815-2 ( b ) 3. Failure to Notify Consumers of Result of Reinvestigation : Violation : Under 15 U.S.C. 1681i ( a ) ( 6 )
Product: Debt collection

RE : Capitol One and XXXX ACCT : XXXX On XX/XX/XXXX, my debt consolidation company XXXX made a settlement with these above companies to accept a payment of {$220.00} as payment in full with the remaining {$150.00} to be written off and not collected on. 

However, these above companies are billing me the written off {$150.00} amount and have put this on my credit report as an unpaid debt, which has cause my credit score to fall. 

Plus, the collection company kept calling me at work, which is against the law. 

I received a statement dated XX/XX/2016 advising that I owe {$150.00} and that this debt is valid, which is not true. I tried calling their Customer Service, but was told my debt was settled in full, but that I still owe {$150.00}. 

I want them to send me letter stating I do not owe them any more money since they accepted the settlement/payment from XXXX and DELETE this information off my credit report. 

XXXX NE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
MY PHONE NUMBER IS XXXX XXXX XXXX

MY EMAIL ADDRESS IS XXXX


MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting a dispute to Equifax, I am unable to receive the results. I received an email stating that my dispute had " been completed, '' with a link to a website. When I logged into the website, I received an error message stating that the site was " unable to complete this action at this time. '' I tried this four times on four separate dates. On the fifth try, I received a message saying " it looks like we need more information '' and directing me to call a phone number. When I have tried to access the dispute results through Equifax 's telephone system, it brings me to a pre-recorded message stating that " the results have either been mailed to your home or posted online on our dispute resolution site. '' There is no option to speak to an operator, and the results have not been mailed to my home. It seems that Equifax does not actually have a functioning system to inform consumers of their dispute results.
Product: Mortgage

I recently reviewed my credit report and noticed that my mortgage had been listed as 30 days late on the dates below : XX/XX/2022, XX/XX/2022 and XX/XX/2022 I have experienced great difficulty with communication from the mortgage company as when they call me and I try to answer it is nothing but a dead phone line and I can not speak with them. Calling in to talk to a representative leads to multiple disconnects and trying to set up electronic payments through their website has had it's own difficulties.
Product: Debt collection

I received an email from this company that I could not open. I sent email to medical coordinator at a doctor office. On my first time at the doctors office I signed documents but none of them was this company, XXXX XXXX. Their contract was signed by the coordinator and not me. I never consent, agreed, or even seen any part of their contract until about one year later when Monterey Collections provided me a copy. Their contract was signed st the doctors office on a day I was not there. This means it was signed by the office and not me. I never signed or agree with this company loan.
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. 

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 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: Payday loan, title loan, or personal loan

Charged high interest even thought it was not discussed in my loan agreement. Would not verify my bank account for XXXX payments and tried to make an illegal XXXX way call with my bank to verify. Told me to act like they werent on the line while they did it.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies, my finical institution and Zelle has failed to investigate my claims. they informed me that recovering lost funds. The CFPBs findings indicate thatZelle has not only neglected to protect their coustmers but also repeat offenders to exploit the system, leaving users to scams. this lack of accountability and transparency is unacceptable and raises
Product: Debt collection

I have 2 accounts from XXXX XXXX medical centers that is a result of improper billing on the hospital 's behalf that I called about prior to getting placed in collections to get corrected. I spoke to several representatives in the hospital billing department and provided them the primary and secondary insurance numerous times which at the time was XXXX XXXX XXXX and South Carolina XXXX as a secondary. My insurances should have been billed properly to cover my medical expenses right then but due to negligence on the hospital 's behalf it was not. Now this item is will a collection agency named XXXX who is credit reporting these accounts. When asked to provide verification and validation of debt I'm was referred back to XXXX XXXX ... I called XXXX XXXX after to speaking to XXXX the aargon agent trying to resolve the account and get the billing error corrected..the billing specialist refers me to SC XXXX to see if they will back bill for the services rendered for these accounts. So I called SC XXXX and spoke to an agent who let me know that they will only back bill up to 1 year only. These accounts are from 2018 so unfortunately I'm in a situation to where I feel like I am being forced to pay for services that should and would have been covered by my insurance at that time. I feel my FCRA rights are being violated by aargon for credit reporting and not providing validation of debt. I'm very familiar with the laws and regulations a of the FDCPA and FCRA and intend to pursue litigation if this account is not removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX XXXX inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is: XXXX XXXX XXXX XXXX,Ohio XXXX Please remove any telephone number thats not XXXX.Please delete the following addresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX,oh XXXX XXXX XXXX XXXX XXXXohio XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity thief and have a police report due to the fraudulent activity on my report..there is a account being reported on my TransUnion report by XXXX XXXX XXXX that is not mine..This account was closed but is now being reported as open as of 2 days ago..I have tried repeatedly to get this account removed by XXXX XXXX XXXX to no avail..
Product: Credit card or prepaid card

I have a current CareCredit card. expiration date XX/XX/23. Snychrony Bank canceled this card during the pandemic and now I can't use it I have tried three times to get a new card issued without success. I was told in a recent mail that I have tried too many times. I use this card for eyeglasses only. I am in need of new glasses since I have not had a new prescription in over two years because of the pandemic. I used the card, paid if off and left with the feeling that I would be able to use it again if needed. 

I have no vision insurance and this card affords me the ability to get new eyeglasses. 

Please ask Synchrony Bankwhy they are denying me use of this card or why I can't get a new one. 

XXXX XXXX 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. 

XXXX XXXX Reported Account # XXXX, has violated my rights. 

XXXX XXXX Reported Account # XXXX, has violated my rights XXXX  XXXX XXXX Reported Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # 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.