23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

In XX/XX/year>, XXXX XXXX XXXX XXXX updated the account on my credit report as charged off in the amount of {$15000.00}. Two years ago the account was charged off in the original amount of {$14000.00}. By law, this violates the Fair Credit Reporting Act because the creditor generally can not continue to increase the debt on a charged-off account by adding interest or late fees, as once an account is charged off, the creditor typically stops accruing interest on the balance unless the debt was sold to a debt collection agency. After several disputes of this account, Experian is refusing to remove this account from my credit report.
Product: Debt collection

I received a notice from Professional credit services that a medical bill has been sent to them. I do not even know what is happening as XXXX was taking automatic payments out of my debit card. 

Has this been reported to the credit bureau? If so please give me proof of this debt- I am dis tubing this debt.
Product: Debt collection

I contacted XXXX via email and by phone to structure a settlement of {$300.00} as I am poor and can not afford to pay {$630.00}. I have been unemployed since COVID, and that's been a year. Recently the winter storm prevented me from even doing XXXX  as it has been very difficult to drive.
Product: Money transfer, virtual currency, or money service

I was permanently banned from using Venmo and Paypal. I've only used it to pay my landlord rent and to send money here and there with friends. It's honestly extremely inconvenient because Venmo and Paypal are the biggest money transfer services that people in my life use and now I'm banned with absolutely no explanation after emailing and contacting Venmo. They give extremely vague answers. 

My partner just noticed hers was frozen too. Completely different accounts.
Product: Credit reporting or other personal consumer reports

I go on my credit report and I see inquiries that I dont recognize
Product: Mortgage

On XX/XX/XXXX I found out my lender had paid taxes in XXXX to the wrong parcel. My property parcel was separated when I purchased it however XXXX paid property taxes from my escrow account for {$2400.00} to the original parcel in XXXX. I have called them numerous times asking for a refund and they have not contacted me one single time. Today I called them again, spoke with XXXX and she told me they have tried to get the money back but nobody is responding to them at the XXXX XXXX XXXXXXXX XXXX XXXX This is not true because my contact at the treasure 's office is XXXX and I spoke with her today and the only refund that has been sent is for the current lender and this was completed on XX/XX/XXXX only because I filled a complaint with you about them as well.
Product: Mortgage

This is my 2nd complain for same issue as New rez couldnot determine who is responsible for my raising of monthly paymnet of escarrow. New rez replied on my previous complain XXXX but never said who is repsonsible for this. new rez increased my ezcarrow paymnet without my consent then who is responsible and why My increased paymnet is declining my refinace status now. 

Please determine and let me know who is responsible for this.
Product: Credit reporting

The purpose of this communication is to initiate the complaint process. 
The claim complaint is based on : ( 1 ) Non selection ( 2 ) Non referrals ( 3 ) No interviews ( 4 ) Never hired to work for the employer. On line web site duplications documents are included to verify applications submitted to the employer, from beginning XX/XX/XXXX to the most recent XX/XX/XXXX. Other applications were submitted before XX/XX/XXXX. 
Application content confirms the use of : ( 1 ) Background information checks ( 2 ) Credit reporting history - credit reports to confirm applications completions. Application section verifies race, other demographics. Applicant submitted additional documentation to verify race and XXXX. 
Factual background relative to the aforementioned claim complaint stated includes pertains to initial paper applications submitted during theXX/XX/XXXX. 

Rejected applicant is : ( 1 ) XXXX ( 2 ) Male ( 3 ) Not XXXX ( 4 ) Over the age of XXXX ( 5 ) Veteran ( 6 ) XXXX a. XXXX b. XXXX. 
These are the bases for the claim complaint. 
Separate documents were submitted with applications to designated identify the applicant 's demographics. 
At this point, employer 's selectees are unknown and no communications have been confirmed to the Human Resources department to justify the selectee 's demographics with the rejected applicant 's demographics. 
Employer 's specific reasons, pretext ( s ) for non selection, non referral, no interviews, never hired to work for the employer are unknown. 
Investigations would be vital and produce results to verify the claim complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.
Product: Debt collection

I get daily repeated phone calls from an number in XXXX XXXX, NJ XXXX. Either no one is there, or when I ask to have my number removed they hang-up without speaking or warning. <P/>When I do get someone, they never Identify who they are by personal name of company name. They state that the call may be recorded in an effort to collect debt. Then when someone is there they ask me to verify my name, DOB and on one case my address and SSN #. When I advise they need to ID themselves, they say they can not until I verify the above because it is of a personal business matter. They refuse to give the company name which by FDCPA they must do as it is not confidential info. When I demand they ID them self, they hang-up without warning or comment. <P/>On X/XX/2017 I called the # back and got a rep who asked for me to ID myself. I refused to until she told me the company name. She hung up on me. I called back and a different que gave me the company name as Berk Credit Collections. I then asked for a manager and got a man named XXXX XXXX, who I asked to remove my # and he said it would be done. I also requested a written notice of who they were and what business they had with me. he asked for my Address. I advised if I had legit debt that he would have that. I advised that the reps are calling and hanging up when asked who they are calling from and how this is a FDCPA violation. He merely said, " Yeah, OK '' and he hung-up. <P/>What recourse do i have. I am not aware of any debt I have in collections. I do n't have perfect credit but have worked hard to fix my past mistakes. this is harassment and unfair debt collections.
Product: Credit reporting or other personal consumer reports

there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like these inquires deleted please. I have 25 total hard inquires on my credit that I did not authorize these companies to run my credit at all. I filed an Identity Theft report letting them know these hard inquires happened between the days of XX/XX/XXXX XXXX to XX/XX/year>. ( was only able to list 4 total on report but its a total of 25 )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a certified letter to XXXX, XXXX, XXXX XXXX, National credit adjusters, XXXX  XXXX, XXXX  XXXX, To dispute all negative information off my credit report I also sent items verifying my identity I also sent items such as a police report theft affidavit etc to Dispute and Remove all inquiries Negative item etc Neither company have provided me any proof of how the information was verified by law they have violated my consumer rights under the FDCPA there was no reasonable investigation Im in the process of suing the credit agencies and Creditors especially me being a victim of identity theft none of these companies are investigating they have indeed violated my rights and now Im sueing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three letters to the bureaus requesting that they update the status on my accounts. I sent letters on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and it has been over 3 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be updated to no payment required immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder. Please review my letters and update my accounts
Product: Checking or savings account

On XX/XX/23 my paycheck was not deposited into my savings account. The company sent a message saying they were sorry, but I had already missed payments on my apartment and insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX XXXX XXXX XXXX has 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account, XXXX XXXX account, and XXXX account with XXXX XXXX  have all been closed by XXXX XXXX  on or about May XXXX and July XXXX. All of these three accounts were always paid on time and show good status. However, all three accounts were closed by XXXX XXXX  for no reason. I believe the reason they were closed was due to a error on the XXXX XXXX  account, which I tried fixing for over a year with XXXX XXXX. This error was correct on XX/XX/XXXX. However, my XXXX XXXX, XXXX XXXX, and XXXX account are still close which continues to affect my credit.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Product: Debt collection

I have a debt from Hunter Warfield ( bad reviews ) - I need to see proof of this debt - their telephone # XXXX - address XXXX XXXX XXXX XXXX - XXXX FL XXXX
Product: Debt collection

I originally took out a personal Loan with XXXX, and it was fine up until I was talked into signing up with a debt consolidation company in order to try to bundle my debts with the promise of increasing my credit score. The consolidation company took payments directly from my bank account without making any payments to my debtors and it took months to get them to stop taking the money out which sent all my debts into default and damaged my credit score which I was trying really hard to build. XXXX was one of these lenders that was defaulted in the process. 

XXXX notified me that they sold the debt to " Velocity Investments LLC '' XX/XX/2022. Upon finding out they sold the debt I attempted to contact Velocity by phone and by email on XX/XX/2022, to try to make payment arrangements or settle the debt. Velocity Investments never responded to me, and I was never able to get in contact with anyone that could tell me about the account or who to get in touch with. I never received anything from them in the mail resembling an attempt to collect a debt. However, I just learned that they have filed a lawsuit against me without ever getting in contact with me, attempting to collect or responding to my requests for information. 

I have always paid my debts, and I truly regret trying to consolidate my debts because that's where everything went wrong. However, I don't think that its right that they can file a lawsuit without notifying me themselves, attempting to collect it, or even responding to my own requests, especially when I was attempting to resolve an issue the moment I learned of the account being sold. How is it legal for a debt collection agency to file a lawsuit without attempting to collect or responding? I will be contacting a lawyer.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error.

To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized Disputed Inquiries : XXXX XXXX CARD Inquired on XX/XX/XXXX. 
XXXX XXXX  CARD Inquired on XX/XX/XXXX.
Product: Checking or savings account

I opened accounts with the bank on XX/XX/2020. I opened a business account with a deposit of {$10000.00}, written off of a XXXX  XXXX XXXX account. I also opened a personal checking account with a {$4000.00} cash deposit. Sometime around XX/XX/2020 I received a call from the branch manager XXXX XXXX who informed me that the bank has closed my new accounts and I will have to wait for the deposit to clear from the business account and that a check will go out for the personal account, since it was opened with a cash deposit. I am still waiting for my {$14000.00} and no one can tell me where the money is. I was told by XXXX that they were sent XXXX  but he was not allowed to get tracking numbers. Then he told me they were sent USPS but he still can not get a tracking number. Here is the text from his email from XXXX " Hi XXXX, I tried to give you a call after I got off the phone but didn't get an answer and im going to be with customers the rest of the afternoon. But I wanted to get back to you with the information I do have. Our Mail goes to a Sorting center in NJ Your package was sent out on the XXXX of XXXX the day after the big snow storm and the tracking information says it arrived on Tuesday the XXXX. From there it was mailed out directly to you. Unfortunately I do not have any other information at this time except they are on their way to you. And should be there shortly. I know USPS is having a lot of short staffing issues but they are on their way. Thank you, XXXX XXXX '' So in the meantime, I am missing {$14000.00} and no one knows where it is.
Product: Debt collection

This company is claiming to be EOS CCA, however EOS CCA states this phone number is not associated with their company. They refuse to tell me what they are calling about until I confirm my address and DOB with them, which I did not feel comfortable doing. Since I take care of most debts via mail, I asked that they stopped calling me. At that point, the calls became more frequent, and at later hours.
Product: Vehicle loan or lease

Two weeks ago I spoke with a representative from Wells Fargo regarding my delinquent auto account. I explained to the representative why the account was delinquent and that I was in the process of bringing the account current. I also informed that representative that I would be making a {$610.00} payment ( monthly payment plus late fee ) on XX/XX/2023, of which I did. The payment cleared my bank account on XX/XX/2023. On XX/XX/2023 I received a phone call from a Wells Fargo representative inquiring about when the next payment would be made. I explained to her that I had already explained to the previous representative why the account became delinquent and that I was still working on bringing the account current. There are options available to help me with this situation, however, I have been told that I DO NOT qualify for any of those options.
Product: Debt collection

Sent pay to delete to company. Now have judgment against me. Could not make it to the court date, filed a motion of continuance, it was not granted, judgement was issued immediately.
Product: Debt collection

simons agency has multiple collections on all of my credit reports ALL of these have been paid by medical insurance and they are attempting to collect amounts for a dollar in some case.   there are multiple law suits against Simons, they refuse to answer my calls and hang up on me when i call
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or one that you represent. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Neither did your company Portfolio Recovery ever contact me regarding this alleged account. Also being that this is a medical I have never given any physician or medical office permission to share any of my medical information so this would have also been in direct violation of HIPPA. I have never heard of you until I reviewed my credit file. Portfolio Recovery never gave me the right to dispute the validity of this account before putting it into my file or still to this day I have never heard from your company. How can you just insert a negative remark into my account without first giving me my right to dispute the account? This account is a direct result of identity theft and should be removed. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps asap.
Product: Credit card or prepaid card

I kindly request that you update my account as soon as possible to reflect the correct information
Product: Credit reporting, credit repair services, or other personal consumer reports

The below information was also sent directly to American Express on XX/XX/XXXX. I have yet to receive a response from them. When I called a few weeks ago to check in, the agent said my paperwork was " lost '' but that they found my fax and were working on it. I have been very patient but felt it was now necessary to report this through the CFPB. 

-- -- -- -- -- On Monday, XX/XX/XXXX, I was informed about an offer to add authorized users to my Platinum card. I was informed by several agents both with Platinum Customer Service and New Accounts that adding authorized users would not result in a hard inquiry for myself or the authorized users. Therefore, I went ahead and added an authorized user to my account. 

Later in the week of XX/XX/XXXX, I was notified that I had received a hard credit inquiry on my XXXX account. I am not ware if the inquiry posted to other bureaus, but I have attached selected pages from my XXXX account as proof of the hard credit inquiry on XX/XX/XXXX. 

After learning about the hard inquiry, I contacted American Express on XX/XX/XXXX to understand the situation. Several agents again said they had never heard of hard inquiries resulting from adding authorized users. 

I am requesting that this hard inquiry be removed from my XXXX account as well as from the other two bureaus, if applicable. I was directly informed by multiple agents on recorded calls that adding authorized users would not result in a hard credit for either myself or my authorized users.