23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of 2014 I received a collection letter claiming I owed money for a debt to XXXX. I never banked with XXXX nor did I ever carry a loan of any kind with them. The collection agency and collection account is labeled below. 

Portfolio Recovery - Open Collections - {$6300.00} - XXXX I disputed this debt with Portfolio Recovery on XXXX/XXXX/14 as I have never carried a debt with XXXX. They failed to validate the debt with me according to what is required in the FDCPA. They also failed to report at anytime this debt having been disputed by me. Enclosed you will find copies of my correspondence with them. 

Dated XXXX/XXXX/2014 - This is the request for Validation I sent to Portfolio Recovery Dated XXXX/XXXX/2014 - Having received no response after 30 days this is my letter stating they are in violation of the FDCPA section 809 ( b ) and to immediately remove the listing. 

Dated XXXX/XXXX/2014 - I received this letter from Portfolio Recovery in response to my Validation request. Notice this is Verification Information and not Validation according to the FDCPA section 809 ( b ). They have not proved they are the owners of the debt now and are legally allowed to collect said debt. They have provided none of what was requested in my XXXX/XXXX/14 letter and have not even provided an address ( as required by the FDCPA once again ) of the original creditor. 

Dated XXXX/XXXX/2014 - I sent them a final letter informing them that they were still in violation and I would be filing against them in court to have this removed. This is the last correspondence we have had and the record still appears on my credit report. 

I sent all these correspondences in a detailed dispute letter to each credit bureau and to this day received no response from the credit bureaus and the record still shows on my credit. 

I have all detailed correspondence and mail receipts all saved and just seem to have run into a brick wall.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote Equifax disputing an unverified/inaccurate account on my credit profile which they verified as accurate on XX/XX/2021. I attached a copy of XXXX reporting the same inaccurate/unverified account which they deleted. On XX/XX/2021, I wrote a dispute letter to Equifax to show me proof of verification of the inaccurate account. To this day I haven't received anything from Equifax. 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 that you post on a credit report. At this point I feel like I'm being joked around with and being taken advantage of. I have been trying to get this inaccurate account off my credit report for 7 months in counting! This account must be removed immediately.
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 physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX i have already disputed these items with the credit bureaus, but they did not remove them, nore prove validation. 

Under Sec. 602 " I have a right to privacy ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

Incorrect Address - XXXX XXXX XXXX, XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

Incorrect Address - XXXX XXXX XXXX, XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX, XXXX, and Equifax have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 data is inaccurate.
Product: Prepaid card

made a transaction for {$99.00} but was double charged on accident by merchant on XX/XX/2017 ... .i spoke with merchant and they cancelled the duplicate transaction. They have even faxed over an authorization release form to RushCard. I have called rush card XXXX times and have been hung up on by XXXX reps back to back as of today XX/XX/2017. I am highly upset and displeased with how they handle their customers. i requested to speak with a supervisor over XXXX times today and was refused each time by both reps and then they just disconnected the call. I think that is very rude and unprofessional behavior. I was only trying to get them to release the hold on the duplicate transaction of {$99.00} which they have done for me in the past. But for whatever reason I am having the hardest time getting assistance. They are located in XXXX somewhere and they dont even speak XXXX. Their customer service sucks and something needs to be done to force RushCard to use XXXX customer service reps who can understand the customer 's concern and provide superior service!
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Curo XXXX XXXX unlawfully obtained my consumer report without my authorization or a permissible purpose. 
I have not initiated any transaction with Curo XXXX , XXXX. Also, I do not have an account with Curo XXXX, XXXX for review or collection. 
I sent Curo XXXX 3 Notarized Letter explaining their violation of my consumer rights which included a demand for a {$1000.00} settlement on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed  a 90-day ale rt on all  XXXX  credit bureaus in  XXXX .     While on signing up for the TransUnion alert, Transunion 's online site asked if I wanted to " lock '' my account. I clicked this feature.     This week, my bank attempted to pull a credit report for completing a credit card application. However, TransUnion is showing an account " freeze ''. When I called TransUnion freeze  XXXX  phone number, they said that I only ha  ve a 90-day alert ( no " freeze '' ) but the online " lock '' will show up as a freeze to others. They directed me to another phone number. Then I was walked through the " unlock '' via online and told to wait 15 minutes.
After 20 minutes, my bank was still unable to access my credit report and TransUnion was requiring a PIN. I called TransUnion again and was transferred or told to call 4 different people, bouncing me between the online TU dept and the Fraud Assistance Dept.
Online TU dept is saying the lock is showing as off and sending me to the Fraud Assistance Dept. The Fraud Assistance Dept insists that any issues from using online lock feature must be solved by the Online TU dept. I 've b  een trying to solve this issue for o ver 2 hour s and bounced between various phone numbers ...  XXXX ,  XXXX ,  XXXX ,  XXXX  ( sent this direction 2 times ), and  XXXX  ... and attempted to talk to a supervisor at th  e Fraud Assistance Dept ( who said he could n't help either because there is no " freeze '' on my account ).
Worst system that I 've ever seen. Worse yet since I have to depend on these credit bureaus to fight off an identity thief attempting to open loans and credit in my name. Curious if I 'd have all these issues if I was willing to pay TransUnion for their service ... sure seems like a play to force victims of id theft to pay TransUnion to avoid staying a victim ( even one to Tra  nsUnion treatment )!
Product: Credit reporting

I never opened a XXXX XXXX, they say they can not find me and they sold the account to XXXX XXXX -- XXXX XXXX sent me a letter stating they have no information and are closing the account. I have disputed with all XXXX credit bureaus no less than 12 times and can not get removed from my credit report. I have sent a certified letter to XXXX requesting all information pertaining to this account beginning in XXXX 2007 to present, original application with signature, all statements, chargeoffs, authorized user, terms and conditions, collection letters, etc see attached. I have requested them to validate all of the information and they have not been able to validate the account. They have 30 days to do this then they have to delete this information from my credit report. 
They say on my credit report they can not find me, and XXXX states there is no information as well. This has severly lowered my credit score and needs to be deleted and blocked. I have sent them a second letter as well yesterday certified mail also, attached. Thank you.
Product: Credit reporting or other personal consumer reports

My car loan was paid in full - my auto insurance & XXXX XXXX  carriers paid MORE than the full balance of the loan. 

I'd previously filed a separate complaint against XXXX XXXX XXXX XXXX in XXXX because they were reporting my loan as a charge off. They sent a response advising there was an issue with the payment from the XXXX XXXX  carrier but they initiated another claim to get the outstanding amount & would correct my credit report once they received the payment. 

After a review of their financial records, in XX/XX/XXXX XXXX XXXX XXXX XXXX sent a letter advising that they discovered my loan was actually overpaid & issued a refund check plus interest ( see attached ). For some XXXX forsaken reason, XXXX XXXX began actively reporting the account as a charge off on my credit reports in XX/XX/XXXX & have been doing so for the last 6 months. Not only was the loan MORE than paid in full & not charged off, the loan is from XXXX & has not been active in years so there is no reason for them to be actively reporting it on my credit as a current charge off. 

This is the second time I've had to file a complaint against XXXX XXXX for adding wrong/disparaging information on my credit report. Obviously, this new issue with them has resulted in ANOTHER credit drop at their hands, They continue to cause me distress, both emotional & financial, with their inaccurate reporting. They've been fined for poor/predatory banking practices so many times that it's unbelieveable they are still allowed to do business. When are you all going to actually protect consumers & shut them down?
Product: Credit card

XXXX XXXX XXXX XXXX NY {$1400.00} Transaction Date XX/XX/2023 There was an unauthorized order placed on a Bank of America credit card I never received in the mail. The merchant provided an order invoice with the incorrect address and Bank of America is still holding me liable for this transaction. The merchant did not have my apartment number on the orders invoice. I never received anything or dealt with the merchant before. Bank of America is refusing to refund me for a purchase I did not make on a card I never received
Product: Debt collection

I had a credit card with XXXX XXXX, they sold the account to a debt collector and they keep emailing me after I have told them to stop. The company has also called numerous times. I told them my contract was with the original creditors and to stop contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed all of my personal information as well as disputed all inquiries that I have listed below as fraud as I am a victim of identity theft and fraud and the credit bureaus have not removed these from my credit reports. 
I have contacted each of these companies and they could not verify why these inquiries were made and informed I needed to contact the credit bureaus. 

I have filed police reports # XXXX as well as filed identity theft and fraud reports. 

1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8 XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11 XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX XXXX XXXX 15. XXXX 16. XXXX XXXX XXXX XXXX, XXXX 17. XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Credit Card : I sent the FTC report and the pin that they told me to send back I haven't heard from them, and it has been over XXXX  days.
Product: Credit card or prepaid card

i applied for an American Express Card on the American Express website on XX/XX/2022 XXXX XXXX XXXX AMERICAN EXPRESS CARD and XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX Ref : XXXX. American Express refused to process both applications and did not approve or deny either application. Amex also did not send me the required notices by U.S. mail. 

I also do not believe that Amex is properly adhering to the Equal Credit Opportunity Act. 

I am confident that if i applied again for an Amex card, my application would not be processed. 

The actions of American Express damaged my credit by generating 2 hard credit inquiries, despite there being zero chance that my application would be processed.
Product: Money transfer, virtual currency, or money service

We were going to rent an apartment two XXXX transactions of {$800.00} were transferred to a company so that we could get the keys upon sending the money we were contacted by the company saying that this was not their institution we have tried to contact the bank in order to get our money back because this was within a matter of minutes they said that there is nothing that they can do to help us at this point because we approve the transaction this is {$1600.00} and it is literally all we have
Product: Debt collection

Diversified Adjustment Services calls me at least 3 times daily. They call from spoofed fake phone numbers originating from the XXXX XXXX area, even though theyre based in Minnesota and I live in Colorado. I usually answer, and theres silence on the line about 75 % of the time. When someone is on the other line, I immediately tell them to cease attempts to contact me by phone. They refuse to stop calling me every time, in violation of state law in Colorado.
Product: Credit reporting or other personal consumer reports

Experian did not properly investigate my charge offs and collections and will refuse to delete them. Former identity there victim I need everything deleted, sincerely XXXX XXXX
Product: Debt collection

I sent a mailed request to Capital One to request for a pay for deletion to remove the collection from my credit report in return for me paying the account in full instead they sent me a stall letter claiming that they can't find my information on file for the account and to submit more information when I sent my name, DOB, and ssn number to them for them to research these accounts that are reporting to all 3 credit bureaus, I also noticed a discrepancy with the different account numbers on each letter. I need for this to be investigated on why my requests are being stalled and not answered to when they have all information pertaining to these accounts on my credit profile. Please investigate.
Product: Checking or savings account

I paid for a XXXX XXXX  on line but never received appointment ... .bought item from XXXX but never received refund when told. Cashapp about these claims they disregard and kept money
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  customer. On XX/XX/2021, I was informed of a wide-spread security breach at XXXX on XXXX 's website. This breach affects XXXX XXXX customers and includes personally identifiable information such as social security numbers, credit card numbers and home addresses. I am trying to protect my credit by freezing my credit. However, due to technical glitches with Experian 's website and telephone systems, I was unable to place the freeze immediately on XX/XX/2021. Experian is asking that I mail information to their office in XXXX, Texas. Given the fact that criminals sell security numbers and other confidential information on the dark web for bitcoin quickly, I could become a victim before the items are received by Experian by mail and Experian 's processing times could be 30 days or longer. I want Experian to freeze my credit immediately to prevent identity theft.
Product: Credit reporting or other personal consumer reports

SECOND ATTEMPTTo whom it may concern I recently received a copy of my 3 bureau credit report, I noticed some late payments posted on my credit report XXXX XXXX XXXX Account number XXXX Your company is in clear violation of the law under 15 USC 1681 b - permissible purpose of consumer reports, THE LAW CLEARLY STATES IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates to. Did I give written instructions to finish this on my credit report? Furthermore the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ). ( 2 ) Exclusions except as provided in paragraph ( 3 ) The term consumer report does not include ( a ) subject to section 1681s-3 of this title, ( I ) any report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payments from my consumer report this agency is in violation of 15 USC1681n Failure to respond satisfactorily with deletion of the listed referenced account, and send out a copy of my report after the changes have been made will result in legal actions being taken against your company. 1. Defamation of character ( per-se ) 2. Negligent Enablement of identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations for willful non compliance-616 civil liability for willful non compliance 15 USC 1681n 15 USC 1666 ( B ) A creditor may not treat a payment under any open - end credit plan as late for any purpose unless notified within 21 days by law ( I ) The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for purpose of obtaining money, property, labor or services on credit and I was never notified about any late payment. I credited the transaction with my credit card/social security card . The late payments are in violation and also the inaccuracies in reporting history is in violation please correct payment history to paid on time because I was not late. And banks are dependent upon accurate information how can u guarantee accuracy when the reporting history and dates keep changing on this account and all 3 of my credit reports are reporting different information. And they also reported it late while I was disputing a late payment on my account already. I have XXXX confidence that my personal information is safe and secure with this reporting agency and my information is being reported incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX ( Opened XX/XX/XXXX {$250.00} ) XXXX XXXX ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX 3 missed payments ) XXXX  XXXX ( Bank ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Miscellaneous ) XX/XX/XXXX hard inquiry XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX hard inquiry 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 or crimes which antedates the report by more than seven years.

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

Transunion is unable to fix several issues with my account. Although I can logon and authenticate via phone or web, 1 ) I am blocked from requesting or receiving a copy of my Transunion credit report ; 2 ) I can not access the ability to freeze or unfreeze my Transunion credit report ; 3 ) Credit companies are telling me they can not access my report because it is frozen, but Transunion indicates it is unfrozen and can not /will not assist further. 

This issue has been present for years, and it is related to the error code 219 that is reported by many people. The federal government and U.S. Attorney General 's office need to take action against this company. They are integral in the economy, know almost everything about people, yet can not even run their own systems correctly. They need to fix these issues proactively once and for all, or lose their ability to operate in the U.S. market.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. I did not file for student loans and bankruptcy as opposed to what is stated in my credit report.