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

Recently, I pulled my credit reports because I want to apply for a mortgage loan. In doing so, I noticed that I have an unauthorized accounts listed on my reports. Not only is this accounts unauthorized, but they are inaccurate, incomplete and unverified. I did not give consent to the reporting of these unauthorized accounts and need these accounts removed immediately because they violate my consumer rights and ruin my reputation
Product: Credit reporting

I have disputed several items on my credit report with Equifax over the past year. Equifax continues to allow items on my credit report, that has not verfied and has not provided verifiable proof of alleged debt, nor did Equifax receive the information from original source. If Equifax would have conducted a proper investigation as per Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) and605. Requirements relating to information contained in consumer reports XXXX - Equifax would noted that the Bank XXXX XXXX XXXX Account # XXXX is still reporting after 7 years. 
Equifax has not allowed me to dispute nor allowed me to provide any information via there website to prove that XXXX has been paid and XXXX has agreed to remove this account off my credit report. XXXX is also reporting after 7 years. 

I have disputed ALL XXXX judgement requesting that Equifax provide me with verifiable proof of said judgments which they failed to comply as per Section XXXX and Section XXXX.
Product: Checking or savings account

i'm XXXX XXXX, on XXXX i made an order on the website called XXXX XXXX XXXX XXXX. it was a pen called XXXX XXXX XXXX XXXX and the transaction was {$2000.00}. til now, i still hasn't get my pen. they keep saying that i was a first in line getting then later said it was delayed dude to high demand and now stop replying me and not picking up my call. at first i want is that either the dealer fulfill my XXXX # XXXX or if can't then they need to refund my money back. because they make me wait for so long and now my bank ( chase ) seem like they not going to take my claim serious because it so long ago and they want me to talking with the dealer but the dealer never reply. so i want my bank to continues work on my case and refund my claim.
Product: Debt collection

This is an insurance claim that I have talked to the provider about and provided insurance information to. I was covered by Medicaid and the provider is NOT suppose to bill me for anything other than the contracted co-pay set by Medicaid. {$1000.00} is NOT a co-pay. When I talked to the provider of the medical services, I gave them the insurance information and they said they would file it with Medicaid. I am not liable for this account.
Product: Checking or savings account

Someone went used my phone to XXXX  themselves some money. They said they didn't do it and didn't receive any funds. Lies because I seen it come out of my account. I didn't authorize the transaction. I asked NFCU to recover the money. This almost made my account overdrawn. NFCU was not helpful in getting the situation resolved not even a stop payment on the funds. This is the XXXX time I have had a problem with XXXX. It was previously making double payments by saying it didn't go through when it clearly did.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX To Whom It May Concern : This is concerning Account Number : XXXX. 

I previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was a copy of alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. 

The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. 

This is my second request. Please provide me with ALL of the following points of information : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in Illinois has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. 

I intend to take all legal steps available to me if I do not hear back from you.
Product: Debt collection

I still can not locate the name of the company but they called my work, my brother, and my sister stating they were calling from XXXX County regarding a grievance that was filed against me. They gave them the phone number XXXX-XXXX-XXXX for me to return the phone call. When I did, I asked them if they were calling from XXXX County as they had stated and she would not answer me. I then asked what company she was calling me from and she would not tell me. I explained that I had XXXX the phone number and nothing comes up. She then told me she would have to transfer me to legal without providing any information to me. When I spoke to the woman in legal, who also did not identify herself or the company she was calling from, she gave me my supposed case number and told me that there was a " location order '' for me and I said by who? I have lived in the same house for five years and it is not like it is hard to locate me. She told me I owed {$1500.00} in court fees and {$2000.00} from the balance on my account. 

She refused to identify herself or the company she was calling from so I hung up. The same company then called my sister again and left her a very threatening voicemail about how the authorities are looking for me and she needs to give them my location. They then left a message on my cell phone ( so please explain why they ever had to contact my family or my employer ) as they obviously have my cell phone and know how to get a hold of me from the phone number ( XXXX ) XXXX-XXXX. I called the back and told them to never contact anyone who knows me again as they obviously know where I am and how to get a hold of me and that I was going to file a complaint against them. Then the woman hung up on me.
Product: Mortgage

Thank you for your time. Everything that Bank of America was charged  with they did to us.forged signitures.no title deed on house.making payments to insurance companies we had no idea about.lied to the court about the deed.Even have them on tape admitting that they messed up.I am fed up with companies using the Va  to make them money. Why? My husband was at the XXXX line. He lived in the XXXX that Bill Clinton called the most scary place he has visited. My husband had to live there. Bullets whizzing by his head. To be cheated by a company that he had to fight for in order for them to grow. But to use XXXX 's to make money. I have proof of every thing they did to us.After going threw XXXX sales, they went out of state, found a realiter that belived them to be working for Va. We lost our home. And can prove that we were paid up.This was so dishonest. And in the end send us a letter saying they they forgave the loan.We need help, and the state of Delaware is to scared to help us. Because to them BOA is a good company for the state.I am sick of XXXX XXXX saying about being a vet.But refuse to help one with proof. Yes we need help. XXXX XXXX XXXX
Product: Student loan

I submitted my TEPSLF documentation to FedLoan around XX/XX/XXXX. I have worked for the Federal government ( one employer ) for over 10 years I thought this would be a good chance to see if my payments qualified considering the Covid relief bill allowed the months of forbearance to count as qualifying payments. I received a letter about a week later saying that they received my application and are verifying my employer. 

A month later, I submitted my wife 's paperwork which included two different employer verifications. In two weeks, they reviewed her documentation and found she didn't have the years of service yet to qualify. I found this odd since I haven't received anything other than my initial letter. I called and was told it could take 60 days and to call back in a month. 

I called in XXXX and was told it was still being processed. I called again in XXXX and was told that they are reviewing them as they come in and have a backlog. I said I mailed my wife 's a month after and she was done. I was told well verifying some employers take longer. 

I contacted the Dept of Education and they had FedLoan escalations contact me. They requested updated documentation the time I was requesting that they look at it but then said that they will send a letter when they finish reviewing it. No timeframe or anything. The TEPSLF is a temporary program. It seems like FedLoans is slow-rolling anyone that might actually qualify. 

I can send you my forms but it does have XXXX in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and they are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was not signed up by myself someone signed this account into my married name and switched it to my previous name theres been several accounts signed up with my personal information due to data breach and identity theft and also a compromised phone device through Verizon at which someone had all my bank login information and passwords .. never got a card at which these purchases were made with and it also was not me this company was talking to when whoever had the physical card was trying to use it.. I was never in those places or even in the state of idaho at those times to make those purchases and they continued to let purchases go through while the card liming was XXXX and tha account balance is double that .. not paying for a bill on an account I did not sign up for and never had access to any physical card to make these purchases
Product: Credit reporting

I have disputed   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    M.S.   XXXX  ) who claim they are collecting for their client, "  XXXX   XXXX   XXXX  located in  XXXX  Illinois '', that no longer exist in the sum of some  Credit Reports says, {$2600.00}, {$2700.00} and {$3000.00}. This company reported all of these figures on my Credi  t Reports in Collection. Last year, I o btain &amp;  XXXX  dollars worth of Leasing Furniture from  XXXX   XXXX   XXXX  ( No Longer exist ) that I picked from a Newspaper in the store. I called this company immediately and told them I did n't want this furniture and asked them to please pick it up! They told me No! Once the furniture left the store I own it! I am upset that  XXXX   XXXX   XXXX  is able to cause my  Credit Score Sev ere Harm by Reporting information without providing me or TransUnion a reachable contact number ( Ph: XXXX  ) or (  XXXX  ) so I can speak to someone pertaining to what 's put on my Credit Reports. I am trying to move  ASAP  in an apartment and this information is causing severe harm. I am also asking TransUnion to remove all old information dated back to   XXXX     and up off of my Credit Report so that my score can improve.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I opened for the second time a credit report dispute with XXXX about a collection account they are reporting on my credit report with Eastern Account Systems. The amount on this account is showing {$1000.00}. I requested core information on this account and or contract ( XXXX ) for services, just any verifiable proof that this account belongs to be. I was not given any information from either party involved in this dispute just a message that this account is verified. I would like a copy of any type of agreement with this companys letter Head and my signature to show I am responsible for this debt. NOT just an immediate response saying debt verified. I would like a copy of the information you used to verify this debt. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX and ChexSystems are involved. 

I discovered that XXXX  XXXX XXXX reported two accounts in my name to ChexSystem under account abuse. I contacted XXXX  XXXX XXXX and they said they didnt see account abuse listed on the system. They said they would mail me documents but I never received anything. I contacted ChexSystems and they said the only reason they would see it is if XXXX submitted it. Now, the system says I disputed it and it was verified. I havent received anything verifying the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan through Exeter Finance with a late payment. 

The dates entered and type of delequency constantly changes multiple times from 30 days late, to 60 days late, to two 30 day late payments, to two 60 day late payments, from XXXX to XXXX, and info shared to the 3 bureaus do not match up. I have tried to remedy this problem and they always update it to a different delequency or change the dates. If their reporting info is correct and verified, no updates should be needed. 

This problem sends my score up and down constantly every month depending on what they decide to do. XXXX, XXXX, and XXXX are showing different data and I have never been furnished with proof of the delequency. I have kindly asked for a deletion with the data furnisher and the credit bureaus to stop this problem. At this point, I am frustrated, tired, and can't secure a mortgage with my credit report constantly changing.
Product: Debt collection

In XXXX of this year, I received a credit alert that XXXX amounts in the of {$2100.00} and {$42.00} was illegally added to my credit reports in violation of the Fair Debt Collection Practices Act ( FDCPA ) by Enhanced Recovery, LLC ( ERS ). 
I sent a letter requesting validation from the company that this debt was mine, and I had never received correspondence or proof from there company. 
I submitted complaint to CFPB ( Case number : XXXX ) to which ERS responded they would delete the {$2100.00} amount, andthat they could not find a account in my name for {$42.00}, but to supply a reference number or credit report and they will delete from my report. 
Called on XXXX XXXX, 2015 with husband with information concerning the {$42.00} account by their company, and ERS was able to locate the account. I was given a very difficult time to get ERS to delete this account ( as they stated they would to myself and the CFPB ). 
We sought multiple solutions, and with ERS attempting to continue to illegally collect on the supposed {$2100.00}, and now the {$42.00} ; both that was to have been deleted, gave me no choice but to reinstate my complaint.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my brother in law mistakenly filed a fraud claim against a Venmo transaction. After a lot of back and forth Venmo determined I had no choice but to wait until the claim was resolved by my brother in law 's bank which is XXXX XXXX XXXXXXXX. My brother in law WITHDREW the claim. On XX/XX/XXXXXXXX XXXX XXXX XXXX sent a notice to my brother in law that the claim had in fact been withdrawn and then they took the money out of his account. This should have cleared up the negative balance on my Venmo account as per the bank, Venmo has received the funds back. Shortly thereafter on XX/XX/XXXX I received a notice from Venmo that this claim had been resolved in my brother in law 's favor, which is not at all accurate. Venmo is double dipping and holding on to other funds of mine all while getting the money back from XXXX XXXX  XXXX. I am attaching the complete paper trail showing that XXXX XXXX XXXXXXXX shows the claim as WITHDRAWN, has reversed the temporary credit and that Venmo is still holding on to my funds. My brother in law has provided me access to all notices in regards to this and I have attached them here. As XXXX XXXX XXXXXXXX has already taken the money and I keep getting nowhere with Venmo, my brother in law and I have called XXXX XXXX  XXXX again today on XX/XX/XXXX and XXXX XXXX XXXX said the following " XXXX has stated that they have sent the funds to the banking service that Venmo uses. They noted that it can take 30-45 days to go from the bank to the vendor, and are advising to have us or Venmo reach out to their bank to inform them the case is closed. '' I submitted a prior complaint to the CFPB and Venmo called me and said I could continue to wait and see if the money showed up in my account, but the money has not showed up in my account. Venmo continues to simply close CFPB complaints without any resolution and now it has gotten to the level of stealing as they have money they are not returning. I have a full paper trail showing Venmo HAS received the funds.
Product: Debt collection

I have been working with XXXX since XX/XX/2017. I asked for EOB to help resolve any unpaid debt. Upon receiving the EOB I called to speak with XXXX about inconsistency and incomplete bills which they said I owed. XXXX was not in the office so I spoke to XXXX. XXXX began to yell at me and tell me " YOU OWE US THAT MONEY AND YOU BETTER PAY UP ''. I tried to ask him to calm down and discuss this issue and he continued to yell, " YOU DO N'T HAVE OUR MONEY DO YOU ... THAT 'S OUR MONEY AND YOU HAD NO RIGHT TO SPEND IT, YOU BETTER GET OUR MONEY AND PAY US NOW '' I hung up the phone.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

1692c ( b ) 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. These too : 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

I WAS A VICTIM OF ID THEFT DUE TO THE DATA BREACH FROM EQUIFAX. I HAVE TRIED NUMEROUSLY TO HAVE THE INFORMATION REMOVED FROM MY CONSUMER REPORT BY FILING A FTC REPORT. FILING A POLICE REPORT, AND NOTIFYING THE APPROPRIATE AUTHORITIES.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I have noticed some inaccurate and fraudulent accounts on my credit report that I did not benefit from. According to 15 USC 1681 ( e ) B, this is a law for accuracy that the credit reporting agencies MUST verify in order to report any accounts to my credit. All information sold to the debt collectors and chargeoff accounts which appear on my credit, are indeed fraudulent and did not have my consent to have my information. My car loan was originally opened for $ XXXX, and accrued to $ XXXX when I was affected by XXXX. It has not been fully repossessed, as the XXXX insurance company still has not even paid the loan company the amount of my GAP insurance. Also, I never authorized for a first financial credit line account to be opened in my name. I need these fraudulent, inaccurate accounts removed immediately. 
I will provide my identity theft report, my proof of address, my driver 's license ID, and proof that I was impacted by XXXX, which was after the time of when I got the car and fell behind on payments. My balance should not be $ XXXX, and when I called today, they stated I owed up to $ XXXX which would not be accurate either.
Product: Credit reporting or other personal consumer reports

Recently, I did an Investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Personal Information and old addresses all need to be deleted immediately. 

Following accounts reporting wrong information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( Original Creditor : XXXX XXXX ) XXXXXXXX
Product: Credit reporting or other personal consumer reports

These people are a complete rip off. They took {$89.00} from me and I NEVER signed up for a membership. I NEVER even gotten an email saying thanks you or NOTHING to welcome me and my membership. I just looked on my account and I see a {$89.00} transaction for a membership that I never agreed to. There is no one to talk to. I tried to contact the chat but that is again complete scam doesn't work and I didn't get any refund yet. My info : XXXX for their reference. Thanks