23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX The company got this debt from XXXX. I asked a for copy of the original bill from XXXX and was told that I would recieve it in 6-7 weeks because it was in a storage warehouse somewhere. That was XXXX XXXX XXXX and today is XXXX XXXX XXXX and I called to ask why I never recieved anything. I was told that it was sent to the wrong address, however she had my current address and saw notes from the XXXX XXXX conversation when I confirmed that they had the correct address. XXXX this debt is from XXXX from an account that the time I disconnected due to moving. I gave XXXX a forwarding address to send a box for me to send back the equipment however I never recieved that box until XXXX of XXXX. I sent back the equipment and recieved XXXX refund checks for overpayment. And in a statement I recieved from XXXX on XXXX XXXX XXXX I recieved a " Revised Final Bill '' and amount due was {$.00}. That same statement shows XXXX of the refunds. So this debt they 're trying to collect which XXXX itself told me didnt exist was already taken care of before being reported to the current collection agency. This account charged off in XXXX and was reopened in XXXX. My credit score has severely suffered and affected my ability to buy a home and recieve a good interest rate on anything else. I have original document from XXXX and even have the original order number show what services I ordered. The only excuse the collector gave me is saying that I had XXXX accounts with XXXX indicating that i had separate services when my original purchase order and ALL documentation I have shows " XXXX Triple Play '' and only XXXX account number which does n't match the XXXX on the collection notice.
Product: Money transfer, virtual currency, or money service

I have a PayPal account, and tried to close it. When I attempted to close the account, I was told to call PayPal. I called PayPal, and they stated I was unable to close it, as they stated I had to wait 30 days to close my account. 

This is not correct, as I have a friend who was just able to close their account on Friday, the same day they wanted to close it ( they closed it through their app and even showed me their emails showing it was closed ). When I tried to close, I was told to call, I called, and then I was told I had to wait 30 days. I did not have any outstanding payment, nor was my account negative. 

Also, there was not a disclosure on their website stating I had to wait 30 days, and this is unfair. I think they are treating me this way since I am in my XXXX, and making it difficut to close, since they have a lot of people trying to close their accounts right now. 

I need help so I am treated fairly. 

I am filing a complaint with the Arizona Attorney Generals Office to try to get help from them as well.
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. 
I told the XXXX, XXXX and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I have mailed several times affidavits of statements because I deny the account below is my debt, I acknowledge that I am a victim of identity theft in accordance with 605B of the FCRA and FTC Identity theft reports are enclosed. I have no contractual agreement with XXXX XXXX XXXX XXXX nor have any previous payments been made on this account from any checking account or written checks that Ive made or owned. FCBA 1666b to report late payments. No proof of contract or statements means no authority to report or collect from me or to report these accounts on my credit report, this is a breach of my privacy. This is to certify the information contained in this document is a true and correct representation of that which appears and that the individual whose authentic signature appears is claiming their rights of the Fair Credit Reporting Act Sections 605B.
Product: Credit reporting or other personal consumer reports

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 
For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I submitted a letter to the Experian and XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint #, and I'm including it again. 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended this school for 3 days owing nothing
Product: Debt collection

On XX/XX/23 I received a text message from phone number XXXX. The message indicated XXXX XXXX from BHA Services was contacting me about a debt. I texted back with a message not to text my number anymore. The person texted back and asked if they were speaking to XXXX XXXX. I texted back and stated again not to text my phone number and the next time I would file an official complaint. The person texted back again and asked if they were speaking to XXXX XXXX. I texted back to let the person know I'd now be filing a complaint. The person texted me back again and asked if they were speaking to XXXX XXXX. I attached a screenshot of the conversation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Experian, XXXX, and XXXX to reinvestigate these accounts : 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.

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, personal loan, or advance loan

On XXXX XXXX, XXXX, I received a title loan in the amount of {$800.00}. I was unable to make my first payment on the due date, XXXX XXXX. I called and let them know this on XXXX XXXX. On XXXX XXXX, they began calling my mother and my father and on XXXX XXXX, and XXXX, they went to my parents home looking for me. On XXXX XXXX, a friend of my husband messaged him via XXXX and stated a friend of his owned a loan company in XXXX and was looking for me. On XXXX XXXX, my husband was contacted via text stating they were looking for me and if my husband wanted to exact a little revenge on me and to XXXX me off, to let him know where he could find me. This violates my rights and slanders my name and is embarrassing to me and my family.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 )
states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

XX/XX/year> XXXX i was checking my credit report and score and saw i had something that states needs attention. Something was in collections from Amerifinancial solutions. I have no idea who this is from or what it is for. i have not received anything about this. This place sent my information to this company also without my knowledge.
Product: Debt collection

I recieved a payday loan to help pay for bills while i was out of work from a car wreck in 2014. I was out of work for 5 months and a settlement against the man that hit me is being processed. I couldnt be homeless with my daughter. I have made some payments to them but they said it doesnt count. Since then, I have been Receiving threatening emails saying they are sueing me and making an arrest warrant for me. A few months ago I tried settling with them and the yelled at me and harassed me and my work place.
Product: Credit reporting or other personal consumer reports

There are multiple accounts and inquiries on my credit report that I didnt apply for or even approve one of them at all so when I noticed them I reached out the the company on file some of them reached back out to me but when I told them that I never applied for any or these that listed on my credit reports nothing was ever done so now Im seeing if you guys can do something about this for me because this is absolutely ridiculous that its so difficult to get inquiries and unapproved accounts off my report. I been working really hard to get my credit score back to the way it was I only have two accounts that is right on my report and them are the only one that I approve which is my XXXX  account and my capital one platinum secured card everything else wasnt me and is not approved by me.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are potentially reporting collections account that I believe is incorrect.

The name of the collections agency is XXXX XXXX XXXX ( XXXX ). XXXX is not the original creditor of the account they are trying to collect on and failed to validate the debt with all the information I requested for either than a statement or a copy of the contract. 

XXXX did not provide me with information on how the debt was obtained, how much was paid for it and the amount I owe.

It's possible that insurance covered this debt whiles I could not pay and unemployed
Product: Debt collection

On XX/XX/2012 I received a notification from XXXX that there was an update to my credit file. While reviewing the update it showed a collections account through National Credit System in the amount of {$11000.00}. I personally reached out to National Credit System to obtain information on this. They said that they were a collections agency and this was a collections account for rental property called XXXX  XXXX XXXX. The rep at National Credit System that there was a rental property that was completed online under my name for an individual by the name of XXXX XXXX and was never moved into. This is something that was done without my knowledge and not something authorized by me. I have attempted to reach out to XXXX XXXX XXXX to obtain information around this rental and report it as fraudulent over 5 times unsuccessfully ( 3 times via phone and lm with receptionist for management to call back and then 2 times from the site with my email as a point of contact ). I am personally reaching out to obtain information and start the process of reporting this as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed XXXX {$82.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$82.00} XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received negative Experian credit report on a delinquent XXXX XXXX XXXX from XXXX XXXX in early XXXX Never applied for the card. Disputed the acct with Experian as fraudulent. Experian investigated my claims with XXXX XXXX and emailed me the results of the dispute around XX/XX/XXXX. They stated that the information that XXXX XXXX provided to them was accurate and if I wanted to further dispute it I need to contact them directly. On XXXX XXXX spoke to customer representative from XXXX XXXX, gave her my correct name, address, dob, and ss #. She stated she could not find an acct in my name with the info I gave her. Could not tell me why it still showed up on my credit report. Says she will look into it further but in the mean time I should file a fraud report with the police and with fraud alert. gov and send them a copy
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account that must corrected. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting 10 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally address the discovery of fraudulent activity on my consumer report. Upon reviewing a recent copy, I found that I have been a victim of identity theft. I also received a letter in the mail from XXXX XXXX stating my information was in a data breach. I found an account with USCB Corporation that I did not do or authorize has stolen my identity and placed this account on my credit report I would like this account to be erased off my report This alarming situation violates federal laws, including 18 U.S.C. 1028A and 15 U.S.C. 1681q, which prohibit the unauthorized use of another individuals identifying information. These offenses constitute felonies punishable by up to two years of imprisonment, in addition to civil liability. Unauthorized Accounts and Legal Violations During my review, I identified this account on my consumer report that I did not open, authorize, or recognize. I have never provided written authorization for these accounts to appear on my report, as required under 15 U.S.C. 1681b. According to this statute, consumer reporting agencies may only furnish reports under specific circumstances, including when : 1. The consumer initiates the transaction. 2. The consumer provides written instructions. Since I have not authorized these accounts, their inclusion on my report is a violation of federal law. Violation of Privacy and Coercion The presence of these unauthorized accounts also infringes upon my right to privacy. These false debts have been publicized without my consent, exposing me to unwarranted scrutiny and harm. Further, 15 U.S.C. 1692d prohibits the advertisement of debts as a means to coerce payment. The continued reporting of these accounts not only violates this statute but also creates unnecessary financial and emotional distress. Impact on Mental Health This situation has caused severe harm to my mental health, as I am currently in the process of purchasing a home for my family. The fraudulent accounts have disrupted this process, causing significant XXXX and emotional strain. These inaccuracies have made it difficult for me to move forward with important life decisions and responsibilities. Requested Actions To resolve this matter, I request the following actions : 1. Immediate Removal : Delete all fraudulent account from my consumer report. 2. Notification of Third Parties : Notify all third parties that have accessed my report of the corrections made. 3. Written Confirmation : Provide written confirmation of the actions taken within 30 days, as required under 15 U.S.C. 1681i. Failure to address these issues promptly will leave me no choice but to file formal complaints with my state attorney generals office and congress. I also reserve the right to pursue legal action to protect my rights and seek compensation for the harm caused. Thank you for your immediate attention to this matter. I look forward to your confirmation of these actions.
Product: Mortgage

Received a letter from a company claiming to be from Pingora Loan Servicing , LLC. The letter stated that when I applied for my mortgage there was a breach in security. I was stupid enough to access their URL to ask for the credit monitoring. Immediately after I signed up for the credit monitoring service, someone from XXXX XXXX XXXX asked me to submit a copy of the letter that was sent to me. I didn't think twice about communicating with the individual. I, unfortunately, did provide my SSN, birthdate and address. I've written out to XXXX XXXX Firm to inquire if XXXX XXXX XXXX does work for their law firm and is the lead for the Pingora Loan Servicing lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORTING AGENCIES REFUSE TO REMOVE INFORMATION.
Product: Credit card or prepaid card

I have an account that was opened under my name with montgomery ward and it was opened on XXXX I'm not sure how much has been put on this card. I didn't have no card sent to me or no info come through the mail or email about having this account was even opened. I put in a dispute in for this and got a letter back a few weeks later that i needed to go on this Websight and put in a dispute. and i did and nothing has came around to fixing this for me. I have called and talk to someone on XX/XX/XXXX for a fraud on this account and was told to call the fraud department on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of the listed inquiries