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

Equifax has reported fraudulent information in reference to my credit history. XXXX XXXX XXXX ( credit card ) has myself listed on the credit card as an " authorized user ''. Equifax will not recognize that the authorized user is NOT contractually responsible for the debt. The dispute # 's are as follows:XXXX and XXXX.
Product: Debt collection

I want to file a complaint against this collection agency XXXX American Collections Enterprise Inc XXXX I requested a debt validation because these accounts just appeared on my credit report without any written notice to me or how I can dispute the debt or seek verification after five day of our initial contact, which is a violation of the Fair Debt Collection Practices Act section 809. They also stated to me that they were not the original creditor. 
Furthermore ; I do not think that I owe these debts. I spoke to XXXX XXXX who was very rude and would not provide me with the information that I requested over the phone, pertaining to which XXXX accounts numbers were listed on my credit reports, she said there was XXXX accounts that I had with them and all XXXX was on my credit report, which is not true. XXXX XXXX and XXXX XXXX was very evasive when I inquired about these accounts and not straight forward. XXXX XXXX and XXXX XXXX also told me that these accounts been on my credit report for years, which is not true. If you refer to the attachments that I provided, ACEI place these XXXX accounts on my credit report on XX/XX/XXXX. The Original Creditor that is listed on my credit report is ( XXXX XXXX which was purchased by XXXX back in XX/XX/XXXX. I contacted XXXX XXXX Maryland on XX/XX/XXXX and they could not provide me with any information on any of these accounts. As I 'm typing this letter to you I still have not receive any written notice or debt validation from American Collections Enterprise Inc to this date. 
I would like all contact from them to cease if they can not provide me with some validation and proof of them owning my account. I also want all accounts from ACEI removed from my credit report ASAP. I also filed a complaint with BBB Better Business Bureau which they responded saying that the validation of my debts were mailed to me on XX/XX/XXXX, which is a lie. I would like them to provide me with proof that they mailed me anything on XX/XX/XXXX Better yet, I would like them to mail me the debt validation again via priority mail asap. 

Please see all of the correspondence and attachments between us thus far.
Product: Debt collection

I terminated services with XXXX XXXX end of XX/XX/XXXX. I didnt not receive a bill in XXXX. I called in XXXX and was told by XXXX XXXX representative that I owed nothing. I received a bill dated XX/XX/XXXX that I owed XXXX dollars. On XX/XX/XXXX XXXX XXXX billed my bank account for {$230.00}. Bc they did not bill me in XX/XX/XXXX or XX/XX/XXXX I was able to have my bank reverse the payment. I received a bill stated XX/XX/XXXX that I now owe {$250.00} which includes a {$20.00} return payment fee. I spoke with XXXX XXXX multiple times that I dont owe anything according to the bill I received from XXXX XX/XX/XXXX stating that I owed XXXX dollars. And that I would need an itemized bill explaining the debt. And mentioned they have not bill me since XX/XX/XXXX. Which was paid on XX/XX/XXXX. XX/XX/XXXX I received a letter stating that I owe {$250.00}. XX/XX/XXXX I received a final notice for {$250.00} if not paid account will be turned over to collection agency. XX/XX/XXXX I received another bill from XXXX  stating I owe {$250.00}. XX/XX/XXXX I received a letter from AmSher collection services that I owe {$320.00}. Needed to dispute the debt by XX/XX/XXXX which was required by the collection agency. I did. And the collection agency received my dispute. They were supposed to stop all collections on the account till the debt was validated. As per XXXX XXXX, On XX/XX/XXXX AmSher collection agency reported to my credit report. XXXX XXXX then sent me a letter dated XX/XX/XXXX stating here is the information I requested. Showed that on XX/XX/XXXX bill for {$320.00} which includes {$64.00} for one time charge for collection fee. I receive another letter from XXXX dated XX/XX/XXXX that I requested a copy of an invoice. The invoice is dated XX/XX/XXXX and states i owe XXXX dollars. I have not received any response from AmSher collection agency nor an itemized bill from XXXX.
Product: Debt or credit management

I have a {$390.00} debt from Southwest Credit Systems since XXXX XXXX XXXX and I have no idea what it's for. I would like to know who the original debtor is so I can dispute these charges.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/2017 there is an inquiry from Citi mortgage on my XXXX credit report as per attached report which I do n't recognize. I called Citi Mortgage and they told me that they have n't pull my credit. I called XXXX and they told me CITI mortgage is indeed pulled a credit on XX/XX/XXXX. I went back and forth and called Citi mortgage group this morning ( XX/XX/XXXX ) and spent almost an hour to get hold of a manager and was told no managers available. Please fix this issue ASAP on my credit report. I already spent few hours to fix this issue and so far not going any where. Please fix it ASAP and remove inquiry from my XXXX and any other credit bureaus ASAP
Product: Credit card

Today I applied for a Sears MasterCard and was given a number to call XXXX application number XXXX. So I called the number and spoke with a representative stating the reason I was denied was due to a recent Sears card. I inquired for the dates and numbers. I was then transfered to the recovery unit. I filed bankruptcy in 2010 and Sears was included in my bankruptcy. Except when I spoke with the recovery unit they explained to me that I had XXXX account with them and they were sold to an collection agency. He did not give the name of the agency just a contact number. The Sears accounts were included in my bankruptcy and Sears should not still have me in a recovery status. At the time of my application I should have been approved not denied due to a previous bankruptcy. I have been approved for other cards with this company and not denied. So the recovery unit needs to un-flag my name because it has been 7 years since my bankruptcy. The collection name at the time was XXXX XXXX XXXX and both accounts are in my bankruptcy. Why they were not notified I do not know.
Product: Checking or savings account

I received a promotional offer to get {$400.00} after opening a checking account with SunTrust. On XX/XX/2020 I opened a checking account online using their promo code to receive the {$400.00}. I need to direct deposit money to this account, but am unable to continue because I CAN NOT GET THROUGH TO ANYBODY AT THE BANK. I've called numerous times and waited on hold FOREVER and can not get anybody on the phone. Today I finally got through to SOMEBODY IN THE XXXX. XXXX. I've never had a bank transfer me overseas to take my banking details. I need the bank to personally call me to document the details of this offer as I plan on closing the account after the funds are credited to my checking. So far, it would appear this bank is a complete scam and can not even handle incoming phone calls.
Product: Credit reporting or other personal consumer reports

The issue centers on XXXX and several companiesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and Extraproviding and maintaining inaccurate and unverifiable information on the consumer 's credit report. Despite prior disputes, these inaccuracies remain unresolved, violating the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, which mandate accuracy and thorough reinvestigation of disputed items. Additionally, these errors and inconsistencies may involve fraudulent activity, as defined by 15 U.S.C. 1681c-2, which requires credit bureaus to block fraudulent or unverifiable information. This failure undermines the consumer 's creditworthiness and calls into question the accountability of both the credit bureau and the reporting entities.
Product: Credit reporting or other personal consumer reports

After My POA spoke with Navy Federal on my behalf and settled the account for XXXX and Navy Federal said they would remove all negative items, after receiving payment Navy Federal viciously started flagging my account with a bunch of negative stuff. I feel as tho they misrep and tricked my POA into paying. They were dishonest. Then there was an area that recently came up as settled, and then I saw where they entered a new message of '' settled for less than the debt '' which tells me they were upset and basically trashing me and letting people know I didn't pay the full amount. They may as well have just gave all the numbers because that's especially what they are doing when they are putting those comments on a consumer 's credit report, which is slanderous. I want it removed, it was in retaliation for filing the complaint.They removed and or reworded some of the slanderous stuff just recently except 1, indicating the account was paid after it was charged off and sent to collections, what in the world! If that is someone trying to get back at someone, what is! 

You told the CFPB you could not comment when my POA sent my original complaint in because it wasn't me, WELL now it's me so it looks like you need to come up with some answers on why you can't seem to keep your word and stop ripping off consumers and being dishonest. That seems to be the easy way out for you big companies '' Oh well it's not the account owner so we can't say anything '' I will make this public for the world to see so that they no the hidden danger within your organization. 

I ALSO WOULD LIKE MY ACCOUNT AUDITED AND I WOULD LIKE THE INFORMATION PROVIDED HERE AND IN MY EMAIL, I HAVE SEVERAL " OPPS '' CHARGED ON MY ACCOUNT THAT I DON'T BELIEVE ARE VALID, I WANT A COPY OF ALL OF THEM AND I WANT IT INVESTIGATED, YOU ARE NOT TRUST WORTHY AT THIS POINT. YOU HAVE ALSO DONE THE SAME TO MY POA AND DELETED INFO ON OF HER ACCOUNT IN AN ATTEMPT TO CLEAN UP YOUR MESS, IT IS ABSOLUTELY HORRIBLE. THERE WAS NO MISTAKE IN YOUR ACTIONS, IT WAS 100 % INTENTIONAL, RIGHT AFTER MY POA PAID YOU. 

YOU HAVE NO COMMENT BUT I SEE YOU MADE SOME CHANGES RIGHT AFTER MY POA FILED A COMPLAINT AGAINST YOU, SO LET 'S GET AN EXPLANATION AS TO WHY YOU TRICKED US INTO PAYING YOU AND THEN YOU TRASHED MY CREDIT I ALSO AGAIN WANT A COPY SHARED WITH CFPB AND MYSELF OF ALL '' OOPS '' CHARGES, I HAVE ALREADY REQUESTED THIS BUT HAVE YET TO GET THIS REPORT
Product: Student loan

They sent me an email about interest accruing and added interest to my loans despite me being on the SAVE plan forebearance.
Product: Credit reporting or other personal consumer reports

I have disputed bankruptcies on my credit report with XXXX, XXXX and Experian credit bureau for the second time. they are telling me that the information is being verified, I contacted the courts and they have informed me via a letter that they do not verify information as to whether people file bankruptcy 's or not so they did not get the information from them and that they would not give out that type of information because it is a violation of one 's privacy and I will attach letter that I received from the bankruptcy court. XXXX, XXXX and Experian has informed me via a copy of my credit report that they verified this information through a third party which is XXXX XXXX and per the FCRA 623 ( a ) ( 5 ) I a credit bureau can not validate the information on someone's credit report with the original creditor they must remove said information from the consumers credit file/report, I will also attach the letter that I sent in reference to this code. as per 15 USC 1681 there should not be any negative information on my report that is not accurate. I am a very concerned because my credit report is showing discrepancies, and I am a very concerned consumer. And want only true information about me reported. please remove these inaccuracies because you are in violation. and i was incarcerated at the time that these bankruptcy were filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Used western union as a bill pay in store. The payment was routed to the wrong car payment company. Spoke with western union at stated they woukd contact company money was incorrectly routed to and reroute funds to correct company within 48 hours. Waited 48 hours and was told no progress had been made in retrieving funds and to wait another 48 hours. I'm meantime my vehicle has been repossessed. Still another 48 hours later no progress made. I personally spoke with company money was incorrectly routed to and was told that they had the funds on hold me due to it being attached to nonexistent account, but to that date had not received request from western union to return funds. They gave me a number and email for western union to expedite request. Called western union and was told they would note the information but would do nothing until their own back office contacted them again which hadn't been done since 24 hours after initial request. Asked for contact information of back office and was told that information is not for public consumer use and please call back in ANOTHER 48 Yours! Meanwhile my car is gone! I did not request a refund, I requested a Reroute! This is getting out of hand and in the meantime my car is slipping out of my grasp! The amount of the payment was for XXXX! The tracking number is XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX nonstop administration insurance services notified me of a data breach and offered free credit monitoring. I placed a credit freeze on XXXX. I was not aware that I would need to place a credit freeze with XXXX and XXXX XXXX. On XX/XX/XXXX Harris & Harris XXXX XXXX XXXXXXXX which is a debt collector sent me a notice of a debt owed to the XXXX XXXX XXXX XXXX. I have called the XXXX XXXX XXXX XXXX  numerous times and have been unable to get information concerning this debt. I am disputing the debt with the XXXX XXXX XXXX  because I have never taken a class there this is not my debt and I have no knowledge of the charge. On XX/XX/XXXX I sent a formal dispute back to Harris & Harris debt collectors explaining to them that this was not my debt. I spoke with the US Department of Education on XX/XX/XXXX and they re-searched and could not find anything concerning a debt for me with a national student loan information system and no account in my name nationally. I not received any information back from them as of todays date XX/XX/XXXX. I completed a dispute with XXXX on XX/XX/XXXX and received information that this was a department of Education issue. I spoke with a representative with CFPB on XX/XX/XXXX and explained the situation and was told that I needed to dispute all of this again and make a dispute separate to XXXX XXXX to XXXX XXXX and XXXX concerning the collection agency of Harris & Harris.
Product: Debt collection

vehicle was included in XXXX... XXXX was dismissed ... and XXXX XXXX attempted to collect on vehicle at Different Price... when asking for documentation... .never received information ... .and they reported on credit report as written off ... did not provide XXXX form... .and then sold debt to debt collector.
Product: Credit reporting

I had the attached federal tax lien # XXXX in the amount of {$7700.00} WITHDRAWN by the IRS after it was released. I have submitted several requests to Equifax asking that the lien be DELETED from my credit report but Equifax has repeatedly refused to delete the lien, the most recent request being the one denied and referenced # XXXX dated XXXX XXXX, 2015. Equifax continues to report the lien as RELEASED and refuses to DELETE the lien from my credit report, in violation of the FCRA. 

Both XXXX and XXXX have DELETED the lien from my credit report ( see attached public records portion of my credit report ). 

Please have Equifax DELETE the WITHDRAWN federal tax lien # XXXX from my credit report.
Product: Vehicle loan or lease

I have an Auto Loan through BBVA Compass Bank and I have been paying the required XXXX per month but the balance owed does not reflect what I have paid out and I have not gotten answers as to why or where my money has gone. I bought the car for {$43000.00} and have paid {$10000.00} to date. My account not only does not reflect that in the current balance due on the account, but also states that I am passed due {$3200.00}. This past due amount coupled with the current balance, {$39000.00} reflects as if I have never made a single payment on the vehicle in which I have had for 1 year and 3 months. In contacting this bank I was placed on hold numerous times and when I did get through they offered no response or resolution as to why my account was reflected this way. They only demanded my cooperation in taking care of the past due balance. I went to look the up on XXXX XXXX XXXX and saw that they are not XXXX  accredited ; which prompted me to seek further help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX via XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with WALLACE HYUNDAI via ODEWALLACE LINCOLN MERCU. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ODEWALLACE LINCOLN MERCU for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best regards, Your Name cc : CFPB via fax ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, Fed Loan Servicing reported that my payment was 120-149 days late. This is incorrect because my student loan was in forbearance since XXXX meaning that I did not have to make the XXXX payment. Even if the XXXX payment was due, it would not be 120-149 days late. I have tried to get it off of my report since it looks like 4 missed payments on my account due to having 4 student loan accounts to no avail.
Product: Credit reporting or other personal consumer reports

I requested for the following inquiries to be removed form my account which either I do not recognize or have any open accounts associated with. They were removed from one bureau but still persist on my Transunion and XXXX reports. Please remove this inaccurate information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute stating that payment history for my XXXX XXXX account was incorrect. The bureau is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. This is incorrect as per an automatic stay in BK Case XXXX, I was not required to make payments during that time. Several disputes have come back as verified, and subsequent requests for verification information have gone ignored. This is having a damaging effect on my credit history and ability to obtain a mortgage loan and I am requesting that it immediately be corrected.