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

I disputed a bankruptcy account on my credit report with XXXX  and XXXX XXXX XXXX XXXX. Both XXXX and XXXX XXXX XXXX said their source of information certified that the information was reporting correctly on my credit report. However, their source of information, Lexis Nexis, submitted to me a document prior to my dispute stating that they have removed the account from my credit file with them because they could not verify it in the time allowed by the law. On the other hand, XXXX nor XXXX is following the laws in place about credit reporting. Even after I submitted physical proof to them that account was not verified by their source, they continuted to report negative information and continued to report unverified information.
Product: Credit reporting or other personal consumer reports

I contacted the collection agency around XX/XX/year> to validate this debt. They refused to send over the documents requested. I even reached out to the original creditor to get this information. Experian handled my dispute and claimed they verified it. This is deceitful tactic. How can one verify the information without the proper paperwork. Neither of the agencies or companies could provide the information. Another issue is that the payment history says I made payments on the debt which is false. I disputed this debt and also on the report it says invalid dates. If the dates is invalid meaning the report with this agency is not 100 % accurate. I am entitled to an accurate report. Which this account thats not mines. I ask the collection agency for the validation of this debt. Where are the original documents. 
XXXX ) I will need to see the contract between you and the original creditor.
Product: Credit reporting

Everything on my Credit Report is accurate except my score is not going up as it should be because I make all my instalment and revolving credit payments on time, just for example it went down XXXX points a couple of days ago for no reason. I suspect that it could possibly be some kind of identity theft involved because my score should be at least over XXXX.
Product: Credit card

This is the XXXX time i am going thru with Discover Credit card. I had used discover credit card to buy the mobile app for my kid and it was installed on tablet. My kid who is just XXXX yrs old tried to purchase some more apps on his own and he was able to do it successfully without the authorization of anybody ( like me ) who is at least XXXX or XXXX years of age. When i noticed the charges - it was bit late. Called Discover - they simply closed the account and issued me a new/replacement card ( coming in around 6 business days ). Later called XXXX support to remove the charges. Discover could have very well blocked those transactions all coming from XXXX but they decided the hard stop. All my legitimate transactions ( which i already told to Discover customer service and Fraud department ) are also impacted now which requires great deal of time and efforts from my side to make it thru. 
Finally i need to talk to XXXX customer service and revised my payment method so that the order can go thru. Has it been the case that Discover resolves these issues properly - one does n't has to go thru all this. 
For any online retailer -when they store the credit card - these attributes are required:1 ) Card account # 2 ) XXXX date3 ) Billing zip code4 ) CVC/CID - XXXX or XXXX digit # on the credit card. 
Why discover does n't stop XXXX or some other online retailer to save everything so that these kind of purchases are being challenged and users are asked to enter CVC/CID # at least? This is a major security flaw in terms of how XXXX and Discover are working and great concern to parents like me. 
This is the XXXX or XXXX time with me that i am victim of fraud with Discover card during the last 4 yrs itself.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I received letter in the mail from my bank regarding unauthorized transactions that were not commenced by me. I noticed inquires and a credit card account that had been sitting on my credit reports for a while. I found out immediately after being notified ad calling the companies connected to the accounts, and they confirmed that it was by a person I was previously dating. I called him and he admitted to the fault with ambiguity, vagueness, and lack of conviction. His actions have damaged my consumer reports by lowering my credit scores, causing credit accounts I've had with other creditors to be closed, and causing my credit limits with other credit card accounts to be cut and lowered by maxing out my accounts. I demand that the unauthorized accounts and inquiries being reported be block and removed immediately in accordance with section 605B ( 15 USC 1681 c-2 ) of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax.com asked me authentication questions that come from my credit report to verify I'm me. One question asked me what company I had an auto loan with. I've never had an auto loan, so I answered " none of the above. '' It asked me non-applicable question after non-applicable question like that. It said it couldn't verify me based on the questions. What? I answered every single question correctly. 

I have filed complaints against Equifax, but, instead of addressing and fixing the issue, they respond back with : " Dear XXXX XXXX, we received the complaint you submitted through the CFPB Portal. Please be advised that the authentication questions on the Equifax website are questions designed to be known only by you. Please be aware that these questions are in no way an indication that the given information is in fact reporting on your Equifax Credit Report. These questions may or may not be applicable to you. Its a protective measure that is used to deter any perpetrators from trying to gain access to your Equifax Credit Report. Please note that for future disputes of credit report information, you may visit www.equifax.com '' When I go to other sites such as usps.gov that use authentication questions from my credit report, they always claim I answered the questions wrong too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed one/several inquires that were not authorized nor did I do a credit application for these in my name. I have asked the credit bureaus and creditors to investigate and to remove them. They stated they could not remove them without documentation. Although, it is fraud activity. 

I have contacted the creditors and all XXXX credit bureaus
Product: Debt collection

There are 2 collection accounts on my credit file. I have tried 3 months in a row to get information regarding the collection acounts. I have disputed them with all 3 credit beaurus as well as requested information from the collection agencies involved. I have not recieved any information about the validity of the accounts from anyone, and I do not recognize the companies involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  placed a fraud alert on my file and XXXX removed one of the collection accounts and placed a fraud alert as well. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$1700.00} XXXX  XXXX Balance : {$700.00} XXXX  XXXX Balance : {$1900.00} I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website.
Product: Student loan

I have applied for PSLF program with FedLoan.org since XX/XX/2017. Majority of my payments that were made between XXXX are considered unqualified and are not being counted towards XXXX PSLF payments. Payments that were made between XXXX were more ( $ ) than I would have paid under qualified plan for PSLF. 

I know classmates that are doing PSLF program that have paid {$0.00}, and payments of {$0.00} is considered and counted as qualified payments, while my {$990.00} payments are not qualified payments. 

WHERE IS THE JUSTICE???
Product: Debt collection

Dear LVNV Funding LLC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to formally request that you provide documentation validating this debt. Additionally, I request that you immediately cease and desist from all collection activities regarding this alleged debt until proper validation is provided. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor. 
Verification of the total debt amount, including a detailed breakdown of the principal, interest, and any fees. 
Documentation showing the existence of a contract or agreement between myself and the original creditor, demonstrating my obligation to pay this amount. 
Copies of all assignments or transfers of the debt, including evidence of the transfer from the original creditor to your agency. 
Proof of securitization, if the original creditor securitized the debt. 
Documentation of any transfers or assignments to secured trusts or back to the original creditor. 
Until you provide the requested information, please cease and desist from : Reporting this debt to any credit bureaus or accessing my credit report. 
Communicating further with me about this debt, except to provide the requested documentation. 
Permissible Purpose If you have accessed my credit report, please provide your permissible purpose for doing so. I dispute your right to access my credit information and request that you not take any further actions in this regard. 
Notification to Other Collectors If you transfer or sell this debt to another collector, you are required to notify them of this dispute and provide them with a copy of this letter. 
I dispute the validity of this debt. If you have already reported this debt to any credit bureaus, please ensure that the dispute is reflected on my credit report in accordance with the law. 
Please treat this letter as a formal notice to cease and desist any further collection efforts until proper validation of this debt is provided. I expect your timely response within the guidelines of the FDCPA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I got a past due notice for a bill I never got. I sent the payment that day for the actual charges but the late fee needs to be removed immediately! My coworkers who were traveling with me said their bills weren't even due until XX/XX/XXXX, the day I got my past due notice. This is clearly a SCAM and is completely unacceptable!
Product: Credit reporting or other personal consumer reports

The XXXX XXXX account currently reporting on my credit report resulted from identity theft and breach. Ive forwarded valid police reports as well as other documents validating my claim. The companies ignore the evidence and has not provided any payment receipts showing any payments from me.
Product: Checking or savings account

Bank of America will not accept a cash deposit on a current account holder 's account unless the individual making the deposit on behalf of the account holder has an existing account with Bank of America. On Sat. XX/XX/XXXX a {$500.00} deposit was made to my account in the form of a money order. It was not applied until Tuesday XX/XX/XXXX. On Monday XX/XX/XXXX I made three separate deposits to my accounts. The third deposit was made at an ATM around XXXX, at which time my account on line reflected a positive balance. Then the following morning XX/XX/XXXX my account reflected several items coming through, including 3 overdraft fees totaling {$100.00}, all before my final deposit was credited to my account and before an ACH deposit of {$3000.00} was credited Bank of America intentionally manipulated my deposits and the drafts to my account to cause an overdraft scenario. When I called to ask that they refund the overdraft charges to my account they refused even after speaking with a customer service associate and a supervisor.
Product: Credit reporting or other personal consumer reports

My complaint is for the XXXX company. I was charged for XXXX XXXX merchandise that was fraudulent listed on their website. There was several complaints I googled online for the company XXXX that doesnt exist. I called several times XXXX and they did the investigation until I stopped paying my loans. I filed a complaint a complaint with Experian with a detailed letter dated XX/XX/year>. I sent pics of false advertising, charges and complaints from other consumers. Experian sided in favor of XXXX. I was extremely upset as I provided every piece of documentation you could ask.I covered every point to show proof. XXXX did a poor job researching this matter as well as Experian. I ended up having 10 accounts as closed in collections with XXXX. I was an excellent customer until I was scammed and not the first time. I gave up with Experian as they should be doing a deep dive of investigation and never provided proof of their investigation on how they determined my complaint was not accurate. My credit suffered from this after struggling to repair it slowly and can be verified. I just purchased a new car and got hit with 15 % interest rate and prior loan from XXXX was 4 %. I paid the price due to poor service from XXXX and credit bureau who should be helping consumers. I dont trust they reviewed any of my documentation and the picture of advertise products was proof alone and other consumer complaint at I provided I still have all this saved if needed as proof including the detailed letter.I hope they you can assist me in resolving this matter as this is my last hope and someone suggested filing this complaint. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # last 4 : XXXX XXXX XXXX XXXX account # XXXX Amount XXXX I contacted XXXX  and XXXX 12times. I sent in police reports, I reported this fraud. I even requested the debt verification and they only sent me three bills that are address to a address that isnt mines. They didnt send the sign contract, they never sent in the copy of identification. Nothing and they are reporting it in my report while the original company is doing so as well. When I call XX/XX/XXXX at XXXX XXXX  the rep did not wan na help me when I asked why werent the requested debt documents sent to me see just estates if you have a lawyer we can speak with them. They are illegally reporting someone else debt in my report and will not help me
Product: Debt collection

On XXXX/XXXX/XXXX, I had received a call/phone message from the subject collection agency, when they were previously duly advised per the attached correspondence to which there had n't been any other subsequent communication from them until now regarding a supposed amount owed to XXXX XXXX XXXX, which their client had either neglected or failed to timely bill me for. Thus, as a result, I had disputed the charges under contributory circumstances, as it took their client greater than a full calendar year which to bill me. There had n't been any communication from this Agency since XXXX XXXX, which is suspect for another date of service that I have with XXXX XXXX which may be causing them to look at ALL dates of service that I have with them, which there are only XXXX ( including this XXXX ) that are disputed. Since this agency had n't responded since XXXX XXXX with any other basis for collection and that their client had failed to resonably bill me within a full calendar year 's time, any other action at this point would seem possibly political and vendictive to me at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called, faxed, and emailed the bureaus ( the one that would accept emails ). In my letter dated XX/XX/XXXX I requested that each bureau investigate the fraud that has gone on with my file. I called 2 weeks later to follow up XXXX said that they refused to investigate because " They didn't believe I was disputing '' who else would go through this much XXXX for me is what I said '' The representative for XXXX said they had no record of the dispute even though I sent the dispute certified they then tried to sell me their product for {$29.00} so that I can avoid this happening again with no discussion about a remedy to the dispute. I then called Experian and they just flat out lied and said that they don't see it on my file and they would investigate but it takes 90-120 days. I have now read all that I can regarding identify theft and I now realize that the BIG 3 bureaus are probably the ones doing all the stealing who else has the time? So in conclusion all 3 Bureaus basically told me they are not going to do anything and that if I paid them {$29.00} this may not happen to me again. What a Joke our system has become thank XXXX for XXXX XXXX XXXX hopefully he will FINE them back into true Consumer Agencies and not for profit business that dont give a darn about the American Citizens
Product: Debt collection

I have an item appearing from Caine & Weiner,  account # XXXX from XXXX XXXX XXXX for {$550.00} date opened XXXX/XXXX/XXXX reported XXXX/XXXX/XXXX placed for collection. I do not now, nor have I ever owed XXXX {$550.00}. I cancelled my service with them last year and they continued to bill me. Despite my not owing any money, this company continued to charge my main business checking account for hundreds of dollars. I eventually had to pay some amount to get them to stop. They agreed to stop and then without my knowledge or agreement they charged my account again and I had to file some paper work to stop them from charging my account. They have now falsely claimed that I owe them money and are damaging my credit. I want all my money returned plus interest and a letter of apology and every claim that I owe anything to them ever to permanently removed from all my credit and a guarantee that no creditor will ever approach me again for anything regarding XXXX  ever.
Product: Debt collection

Based on 15usc1692cc ) c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the at least 209,000 US customers whom had their personal information affected by the latest Equifax security breach. I was notified using their web tool on X/X/17. I 've since initiated a fraud alert for 90 days to all three credit score bureaus and have requested my credit reports via paper mail ( as their  web site tools are down ).
Product: Credit reporting or other personal consumer reports

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 In accordance with the Fair Credit Reporting Act XX/XX/XXXX Accounts, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these were not authorized.
Product: Mortgage

Wells Fargo is reporting the same balances on my credit report that XXXX XXXX XXXX XXXX has I do not pay to Wells Fargo. Wells Fargo sold off my mortgage my mortgage did not start XXXX of 2008 with XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX LLC ( XXXX XXXX Bank XXXX ), Account # XXXX XXXX XXXX ( XXXX ), Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX  has all 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

The items in dispute are as follows : XXXX Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late XXXX XXXX Personal Information Former : XXXX XXXX XXXX Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report every 30 days and i've noticed that there were unknown inquiries on my credit report listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX****, XXXX   XXXX****, XXXX (Original Creditor: XXXX XXXX XXXX) XXXX****, XXXX (Original Creditor: XXXX XXXX XXXX XXXX) XXXX**, XXXX XXXX XXXX XXXX****, US DEP ED XXXX****, US DEP ED XXXX**** and XXXX XXXX XXXX****