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

I filed a Dispute against these collection agencys : XXXX XXXX XXXX in the amount of approximately {$5000.00} on XX/XX/2019, explaining that this is not my account. I also disputed an account with XXXX  in the amount of {$370.00} I requested that they send me any documents that I signed obligating me to any debts with this company. On XX/XX/2019 I received a reply from Experian that both of these debts were verified and will remain on my file. I did not ask them to verify this, there is nothing to verify, its not mine. 
The FCRA allows for an answer within 30 days. The law is clear. These companies did not supply me with any signed by me documents that obligated me to them. By law these should have been deleted. Further, I also disputed 3 other collection accounts that were not mine that Experian did delete, to their credit, however the prior month my credit score, that I paid for, was XXXX. Since deleting 3 collection accounts, my credit score is  now XXXX and lowered my debt by {$1600.00}. Since when does your credit improve and your score gets lower? Then they send new credit card offers for people with bad credit at exorbitant interest rates that they admittingly receive compensation for. I am suffering personal monetary losses due to Experians # 1. Not removing inaccurate information within the 30 days prescribed by law and # 2. Falsely lowering my credit scores for their unjust enrichment by offering bad credit credit cards that they get paid for ultimately by me.
Product: Money transfer, virtual currency, or money service

I send XXXX xlm coins to coinbase from my ledger live and never received it. I try contacting coinbase about the problem they reply back by saying that the issue has been resolved but it was never resolved
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  {$400.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX {$350.00} XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX {$460.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Recently checked my credit report and noticed some inaccurate accounts reporting. Ive disputed via certified mail. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per my FCRA rights, I have been requesting EQUIFAX to add my SSN to my credit file, Raised Disputes Confirmation # s XXXX with them and spoke to customer care rep named XXXX and was being informed just to send Copy of SSN amd Driving License, I faxed the copies multiple times and also Mailed the copies of my SSN and Driving License to them by USPS multiple times. Due to my SSN on being on EQUIFAX credit file for my profile I am not able to get new Phone line from XXXX or any type of Loans where they only use EQUIFAX data. - PLEASE HELP I have below 2 complaints : 1> EQUIFAX is not able to add my SSN in their system even after sending them Multiple copies of my SSN Card and Driving License by Fax and by USPS Mail. XXXX and XXXX credit card companies are directly reprotign my SSN, DOB and Current address to them and still they are not able to add my SSN to their system.

IMP NOTE : SSN is issued one time and it remains same for the person but they keep sayign my SSN is invalid and that is totally wrong. I need proof if they are saying on my SSN I can not have my credit history then why XXXX and XXXX already has it ... Everyone present in USA on Work Permit has similar type of SSN and everyone else is able to see their credit scores and apply for Loans etc ...

2> EQUIFAX is not able to provide me the dispute resolution response their website keeps showing below message.. 

" We are currently unable to process your request! 
The information you have provided does not match our records ; therefore we are unable to process your request online. 

Please try again later or contact us directly to check the status of your dispute. 

We apologize for the inconvenience. '' XXXX and XXXX already has SSN, Date Of Birth and Address on my credit file and they are able to provide my credit report but EQUIFAX is NEITHER giving me my credit report by adding my SSN to file NOR providing any repsosne to my raised disputes as per my FCRA Rights. 

EQUIFAX is falsely claiming that they can not add my SSN on file because it has " VALID FOR WORK ONLY WITH DHS AUTHORIZATION '', All the work visa immigrants in USA have this sentence written on their SSN card and everyone else ( even my husband ) has it written on his SSN and he has credit file with EQUIFAX working normally then why just me and my credit file not being updated with my SSN..? and like I said earlier Credit Card companies are also reporting to EQUIFAX ... 

Here I have attached copy of my SSN, Driving LIcense and Work Authorization along with XXXX and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian Please make-up your mind You are reporting me delinquent for XXXX XXXXXXXX Hone loans as followed for 2019 XXXX Delinquent for XXXX XXXX and XXXX Experian DELINQUENT FOR XXXX XXXX AND XXXX XXXX DELINQUENT FOR XXXX XXXX AND XXXX It has been multiple time not one not but minions of times that XXXX has provided you with the current delinquency months yet you XXXX XXXX XXXX Experian have failed to update it correctly
Product: Credit card or prepaid card

In XXXX and XX/XX/XXXX a friend fraudulent used my card, when I notify Santander that I wanted to claim XXXX dollars as a fraud, the bank refused and claim the card was shared. I have and will always be denied t hiss as being untrue in the winter and spring of XXXX, I went into the consolidation of my debts. XXXX XXXX and I notified Santander of this fact and to negotiate a settlement. The bank did not try to settle but continued to run up the interest until the credit card was maxed out, another {$900.00}.
Product: Mortgage

About 2 months ago. My lender ran a payment early, causing an overdraft charge. 
I have submitted all the proof necessary At first I was denied to they thought I mailed in a check. 
But the payment was done over the phone it 's been about 2 months since the incident happen. 
When I call ask for a manager I get a voicemail. The overdraft charge was XXXX All I am asking for is a refund for XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXXXXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX
Product: Credit card

XXXX XX/XX/year>, I got off the phone with best buy Citi bank visa customer service and they refused to answer why they will not accept my credit card as legal tender. I trust my bank more than I trust them, and the links provided don't feel secure. Also, when I was asking the representative honest questions, she would not answer. Her replies were only " only accepting debit card, bank account or checking account ''. Because it felt like a call straight from an XXXX scam call center, I did not feel safe giving that information. ( I am not XXXX, just using the stereotype as a reference ). Also, the way Citi bank refuses makes the website and company feel fraudulent in their financial practices. I am glad I chose the option for no interest. I really want to pay this card, but they are making it unsafe to do so.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding XXXX failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, XXXX has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
The inaccurate accounts in question are as follows : 1. [ Insert Account Name, Account Number, and Details ] | 2. [ Insert Account Name, Account Number, and Details ] I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, XXXX has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors.

This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ].
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code XXXX ( XXXX ) and 15 U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Checking or savings account

My account with US Bank was closed with no phone call text or email being sent for fraudulent checks. The echecks that were submitted are verifiable and the information to verify is on the check. They have been holding my money that has nothing to do with the checks for over a week now with no explanation. I have spoken with two branch managers a district manager and over ten people on the phone with no resolution in sight. They just advise to keep waiting and are holding my funds that have nothing to do with the checks as well. I have verified both checks through the website available. I don't know how a bank can just freeze your money and close your accounts for weeks and that be okay. I did nothing wrong this is completely the banks fault, and I can't find anyone to assist me in a resolution of this issue. They have caused me to miss my mortgage payment which will affect my credit and have no remorse or solutions to assist me. I have been treated like a criminal not a customer and its ridiculous a national bank can get away this kind of behavior.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I was granted a county property tax deduction ( from 6 % to 4 % ) based on primary residence status. My mortgage company claims that they reached out to the county on XX/XX/XXXX and were told to pay the 6 % rate. This can not be true, as my property tax bill has been adjusted down since XXXX. The mortgage company wrote a check for the higher ( 6 % ) amount and now claims that my escrow account is short over {$10000.00}, and intends to increase my mortgage payment to make up the shortage beginning XX/XX/XXXX. I will not be able to pay the overage, and should not be held liable for a mistake that was made by the mortgage company. I have documentation to prove that my property tax bill has been adjusted down since XX/XX/XXXX. I can and will pay to cover my real property tax amount and can pay nothing more.
Product: Debt collection

I received a letter from Enhanced recovery services on XX/XX/22. 
A while back I mailed in a cease and desist they removed the debt from my consumer report. 
Fast forward back to XX/XX/22 I received a letter from ERC which they have a XXXX Enhanced Recovery company. 
So, I done my research on this fraudulent corporation and come to find out ENHANCED RECOVERY COMPANY can not collect a debt in Arkansas due to not being licensed for this state. 
This corporation is also in violation due to me not ever doing any business with this entity. 
This is a thirty-party attempting to collect a debt for their own personal reasons. I am currently going through arbitration with XXXX and the alleged debt is not mine. 
This corporation has violated my privacy. 
This corporation has ruined my reputation by reporting such information on my Consumer report. I've been denied left and right for my own credit due to this corporation. 
This is also identity theft due to not having my person to obtain my information and or contact me for this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
US DEPT ED XXXX Balance Owed : {$1100.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7400.00}
Product: Checking or savings account

To : Bank of America Remediation Department From : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IN XXXX Date : [ XX/XX/XXXX ] Regarding : Incorrect Check Amount and Unfulfilled Reimbursement of {$5000.00} Dear Bank of America Remediation Department, I am writing to formally address a significant issue regarding a check issued by your institution. The check, dated XX/XX/XXXX, was intended to reimburse me, XXXX XXXX, for a previously unresolved matter. The original amount was supposed to be {$5000.00} USD. However, the issued check erroneously stated an amount of only {$0.00}, as indicated on the checks memo line No Memo ( Closure ). This discrepancy suggests a failure to adhere to proper protocols and professionalism by both the issuing bank and the bank responsible for creating the check. 

The check in question was issued under account number XXXX, with the remitter noted as Green Refund from the XXXX Bank address, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. It was drawn against XXXX XXXX XXXX Bank of America, using routing number XXXX and transit number XXXX XXXX. 

The significant underpayment and delay in disbursement have caused substantial inconvenience and financial hardship. As per federal and state regulations, it is the responsibility of financial institutions to ensure the accurate and timely payment of funds, especially when a financial obligation has been acknowledged. 

I request that the Bank of America Remediation Department promptly address this issue by issuing a replacement check or direct deposit in the full, correct amount of {$5000.00} USD to the following address : XXXX XXXX XXXX XXXX XXXX Pl. 
XXXX, XXXX XXXX This matter requires immediate attention, as the delay has already extended beyond a reasonable timeframe. Your swift action is necessary to rectify this situation and avoid any further escalation. 

Should there be any additional steps or documentation required on my part, please inform me immediately. I appreciate your prompt attention to this matter and expect a resolution without further delay. 

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

XXXX XXXX XXXX has been reporting inaccurate information for close to two years. After disputing 2 years of payment history with XXXX, XXXX and XXXX nothing has been resolved. XXXX has violated my rights of the FCRA many many times and the credit bureaus are failing me as a consumer to enforce this company to report accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Experian 's investigation. I have already addressed this issue to XXXX but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX  Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries is on my credit report and I need them all deleted from all three Credit Bureau, I never authorized these hard inquiries XXXX XXXX- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX/XXXX -- -XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- -XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- - XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX ( twice ), XX/XX/XXXX ( twice ) XXXX XXXX XXXX   -- XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX -- -XX/XX/XXXX
Product: Mortgage

XXXX and I had a legal dispute regarding their violation of the contract, plus their Deferred Prosecution Agreement in XXXX for Money Laundering, asset forfeiture, {$1.00} Billions with the XXXX. 
In XX/XX/XXXXa point of sale to XXXX XXXX XXXX XXXX was to take ownership and Caliber Home Loans IncXXXX was the new servicers. However, I received many notices about assignments and servicers for months. I was instructed to pay Caliber Home Loans, Inc.XX/XX/XXXX and XXXX was the new owner. 

I did not pay because they did not respond to the contract violation and asset forfeiture which should have included my homestead protected property. I was not convinced they owned the property because the real estate recording instruments did not reflect the change in XXXX per the correspondence. I received many threats to foreclose and I said prove you are the owner and XXXX transition to that ownership. So I did not pay any money to acknowledge a contract from XXXX. 
XXXX XXXX XXXX XXXX and Caliber Home Loans Inc. assigned my homestead property to XXXX XXXX XXXX  XXXX, XXXX. in XX/XX/XXXX. I was served a Foreclosure ( Expedited ) Citation to appear inXX/XX/XXXX 

I tried to explain to the Judge that I did not have a contract with the person who assigned my property XXXX XXXX XXXX  XXXX and the Attorney representing all three entities were the same. My XXXX XXXX. XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXXXX/XX/XXXX AT XXXX. 

I really need some help. I have the information to prove the wrong transfer and assignment and financial the FDCPA alleged cause of foreclosure is not a contract with me since XXXX XXXX XXXX XXXX, Trustee is among the Petitioners. The amount to cure the loan is {$5600.00} for 8 months default. Plus they have added {$40000.00} as deferred interest. 

XXXX has forfeited my asset and XXXX stole my identity to transfer it to XXXX XXXX XXXX, XXXX. This is an intentional predatory loan scheme. The elements to commit a Real Estate Fraud Transaction, Negligence, and Negligent Misrepresentation are all met in the state of Texas. I can not present this because I have a concussion which has some impairments. 

PLEASE CALL ME XXXX ASAP. I do not want to loose my home because I can not present this case. I will pay a lawyer to do so who is a good litigator.
Product: Credit reporting or other personal consumer reports

XX/XX/22 amount XXXX Pursuant to 18 USC 8, I owe no debt this company is violating my consumer right to privacy pursuant to USC 15 1681 b 2 Company has no Permission To report anything using my info, pursuant to 15USC 1681 4
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$8600.00}
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is XXXX me out and making me XXXX. Hope you can address this soon, please.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because the company, XX/XX/XXXX XX/XX/XXXX, has not properly addressed my dispute regarding a fraudulent account on my credit report. This account was opened on or around XX/XX/XXXX, and I had no knowledge of or involvement in its creation. The account shows a credit limit of {$1000.00} and a high balance of {$950.00}. The last reported activity was XX/XX/XXXX, but Ive never used this account. 

I contacted the company and/or the credit bureaus to dispute this account and requested proof that I had authorized it. To date, I have not received any supporting documents, such as a signed agreement, application, or transaction records, showing that this account belongs to me. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unauthorized information on my credit report. Credit reporting agencies and creditors are required to investigate disputes and remove unverifiable or inaccurate information. If the company can not validate this account, they are legally obligated to delete it from my credit report. 

The lack of action fromXX/XX/XXXX has caused harm to my creditworthiness, and I am requesting the immediate removal of this account. I also ask that the company provide a written explanation of the steps theyve taken to investigate and resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND IT HAS CAUSED SERIOUS DAMAGE TO MY CREDIT REPORT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE IT REMOVED OFF MY CREDIT FILE.