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

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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 XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been trying to work with Portfolio Recovery trying to get my debt settled. I had an original balance of {$590.00}. I have since then paid 51 % of my collection amount, now owing {$290.00}. I have been writing and calling this company numerous times asking if they will work with me on lowering the amount. This company is refusing to work with me. They have called me several times asking for payment and threatening to remain on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX AND EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is being reported late for the months of XXXX and XX/XX/2020. I explained to the XXXX XXXX that I traveled to XXXX in XXXX and contracted the XXXX XXXX and was severely ill and out of work. I was unable to pay my bill due to my illness. I paid the months that they claim were late as soon as I was released from the hospital. It is a national state of emergency and they are refusing to update their credit reporting. at no time did my wife receive any correspondence that my payment was going to be late and make future arrangements with the company. XXXX XXXX was always paid on time. They reported to XXXX, Equifax, and XXXX  30 day late in XXXX and XXXX and I was understood that they would not reporting negative credit during this pandemic.
Product: Vehicle loan or lease

Account was settled and closed with Harley Davidson financial services. XXXX associates is now contacting me saying that I owe them {$7100.00} Acc number XXXX My business with Harley Davidson was finished completely. No debt was owed. This company is impacting both my co-signer and Is credit score as well as there ability for a loan. It is not my debt to be paid. I need it removed as soon as possible. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a credit card & checking account at the same institution. As ridiculous as it sounds, I can not set up automatic payments from the checking account to the credit card ( like any other card ), but was told that I could set up XXXX XXXX- that evidently sends a check in the mail from one part of the same bank to the other. This has worked fine for a few years, but now I am being told that the bank is no longer offering XXXX XXXX. I have tried the internet website for this, but it has no option for auto-pay. Customer Service is woeful, and talking to a manager/executive seems impossible.
Product: Debt collection

Company makes repeated calls on Sundays and holidays and uses aggressive tactics to try to attempt debt collection in a threatening and illegal manner. Uses legal jargon and scare tactics.
Product: Credit card or prepaid card

XX/XX/XXXX {$830.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$2200.00} I send the merchant iknowlodgment of latter for canceled service and refunds my full amount, chase credit card Dispute department refuses to credit or issues my refund back to my card and delay the process and send me Computer standard generated respond Same respond to all the disputes without any no response from the motion and the show is a valid charge XXXX credit card services is not working the right consumer right and hoping for me to give up my Dispute there for I need exercise my right with this practice credit card is is doning against it 's consumer chase visa credits card also threat to report my card or dispute resolution to the three report agency without my approval from me or discussed with consumer frist of any knowledge, thank you
Product: Credit card or prepaid card

I used my XXXX XXXXXXXX XXXX Bill Pay service to pay American Express because using the AMEX would not be processed properly and I would be charged late fees or the payment wouldn't go through. 

The Tracked Payment to AMEX was rec 'd on Friday, XX/XX/XXXX for a payment due on XX/XX/XXXX. AMEX did not process the payment until Sunday, XX/XX/XXXX, and then charged my {$20.00} in interest and a {$29.00} Late Fee. 

This isn't just dishonest. It's lazy. AMEX cares so little about my business, that they have repeatedly punished me for paying my bills on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This omission denies me the opportunity to verify the accuracy to the debt they claim i owe. I have not been afforded the opportunity to dispute the account. This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt.
Product: Debt collection

I have disputed PHOENIX RECOVERY GROUP Account : # XXXX I have made multiple disputes and they have came back verified I have reach out to them and ask them to remove this account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Checking or savings account

A Couple of my Checks Bounced and I didn't have the funds to cover the overdraft fees until the XXXX of XXXX. My Checking Account was Overdrawn since around the XXXX. of XX/XX/2020 until the XXXX. of XX/XX/2020. I Contacted the Branch Manger and informed them of my Finical problem, I was able to make a deposit of {$260.00} around the middle of the Month. 

I made a XXXX on XX/XX/2020 that covered all outstanding Checks and the Overdraft Bank Fees and still keep me in the positive. I tried to go shopping at 2 different stores but each time my check was declined by the checkout machines. 

I attempted to contact my Bank, but they said they have nothing to do with this and can not help me with this.
Product: Mortgage

I have been working with loan depot to refinance my ex Sistine loan with them They moved loan to conditional approval on XX/XX/2020 Any additional documents requested were provided. 

I contacted loan depots personal multiple times by email, message and phone. 

I have been given nothing but excuses as to why I havent had my refinance completed. 

My interest rate lock expired as well and they have refused to proceed a new one as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello im writing this complaint because I looked at my credit report and noticed some accounts reporting that shouldn't be. im well aware of my consumer rights as I am federally protected from bureaus put together to create an elaborate mechanism to ruin my reputation. due to poor credit i am paying hundred of more on interest than I should be. please help me stop these bureaus from reporting accounts they shouldn't be pursuant title 15 chapter 41.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX michigan changed my child support payments from XXXX XXXX  XXXX  to way2go card yet I was supposed to get a new card by the end of XX/XX/XXXX but never did & had to pay for another which i received on XX/XX/XXXX & by XX/XX/XXXX I already had a fraudulent charge of {$180.00} from some company that has a cust serv # of XXXX that just disconnects. I've wasted over 34hrs on hold with WAY2GO which consists of being hung up on even after I faxed all required documentation to them my acct & card are not accessible to me for my daughter 's needs even almost a full month. They are worse than reliacard & I'd love to change my direct deposit to chime or XXXX since they follow through resolving issues plus they actually answer their email, chats & phones. I will NEVER use this company again!!! The WORST I've ever encountered. Get a prepaid before this POS.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect DOB : - XXXX  Incorrect Name : - XXXX XXXX Employer - XXXX Employer - XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX  XXXX XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX  XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize.
Product: Vehicle loan or lease

My XXXX XXXXXXXX XXXX was totaled out after a car accident in XXXX of XXXX. Fifth Third bank completely shutdown their total loss department duty to covid and was only accepting emails. They continued to count my car payment late for months because they took their time responding back to my insurance and gap warranty companies. Eventually they reported that my car was being repoed which is impossible because the car was totaled. Eventually I got a letter in the mail stating I owed an additional {$890.00} after my car insurance and warranty paid their balances. They falsely reported to my credit report off of that information.
Product: Money transfer, virtual currency, or money service

I wanted to use Coinbase as a bitcoin wallet. I then wanted to use XXXX.XXXX as a way of sending the transaction records to my accounting software, which is XXXX, XXXX an open source piece of software ). Currently, the Coinbase website is prohibiting me from doing this by blocking the sequence of steps by which I would connect the software using the XXXX XXXX. I sent an email to the customer service department of Coinbase describing my complaint and after several hours, they did not reply. I believe that they intend to deny me the ability to get my bitcoin transactions that way because they perceive that the " deal '' is " too good '' in my favor.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and was shocked to find, my personal transactions were broadcasted on it as if that was legal. that is a violation, My transactions were listed on my report, thus hurting my ability to obtain my right to credit. I did not agree to this. 
I only have 1 address, all other addresses are not deliverable and should not be on my report. I have several inquiries that are unrecognizable and are not permitted. by way of 15 usc 1681 ss 604 ( 1 ) a-d No PERMISSIBLE PURPOSE. illegal and another violation per the FCRA. 
As a consumer, I have the right to privacy per the FCRA, which governs the CREDIT REPORTING AGENCY. The CRA has a duty to make sure that my credit report is fair and 100 % accurate at all times. per 15 usc 1681 ss 602 ( a ) ( 1 ) ( 4 ) " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness and impartiality, and respect for the consumers right to privacy '' My credit report contains many inaccuracies and outdated information, I attempted to resolve this with the CRA 's I was ignored. furthermore, I have never given the CRA 's written permission to furnish my consumer credit transactions with 3rd parties or anyone. 15 usc 1681 ss603 ( 2 ) ( iii ) they never gave me opportunity to state if that was ok to do so, per the FCRA. The CRA 's are expected to follow the law, they do not get to break the law at will. The banking system counts on the consumers in order to thrive. unfair reports will only impair the difficiency of the consumer, thus commerce can not thrive and the banking system will cease to exist. unless I give you written consent or you extend me the courtesy of knowing what will go on my report in advance per the FCRA. I want all of my accounts transactions from. utilization to inquiries that are all unknown and have no permissible purpose to be erased from my credit at once. I want my name to be Spelled correctly with no variations or alias. My address should only be one address not 2 or 3. that's violating my consumer rights under the fcra
Product: Debt collection

Called me at work repeatedly an on my cell phone. Threaten to take serve me at home and my place of work. I do n't think that a small claims has been filled. Lots of scare tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection account listed on my Experian, XXXX  and XXXX XXXX credit report, is fraudulent and not my account : XXXX XXXX, a debt of {$5000.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Minnesota. The debt is fraudulent, the result of identity theft and not my debt. The following credit inquiries listed on my Experian, XXXX  and XXXX XXXX credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The credit inquiries are fraudulent and unauthorized.
Product: Debt collection

MIDLAND FUNDING REFUSES TO REMOVE DEBT COLLECTION FROM MY CREDIT REPORT, ALTHOUGH THE DEBT COLLECTION ACTION WAS DISMISSED BY THE SUPERIOR COURT OVER 2 YEARS AGO. 

THEY ALSO REFUSE TO PAY THE ASSOCIATED COURTS PER THE COURT DISMISSAL
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed three disputes with Experian for charged off accounts that were sold to third party collection agencies but are still reporting a balance from the original creditors. This is a FCRA violation. Experian chose to allow the reported original creditors to continue reporting a balance despite the FCRA requirements for how charged off/sold accounts should be reported on credit reports. 

The accounts include the following companies : XXXX. XXXX was sold to XXXX XXXX in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX sold to XXXX XXXX in XXXX 
XXXX. XXXX 's XXXX XXXX was sold to XXXX in XXXX 

My dispute results verify that Experian is allowing the companies to continue to report ( see attached ). Also attached are copies of the collection notices that I have received from the third-party agencies which validates the accounts were sold.
Product: Student loan

Bad collection process. They called our home multiple times even after we made our payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX and XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX .... Balance : {$6400.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXXXXXX .... Balance : {$4400.00} ; XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in a tough situation where I am unable to locate my social security card. I have decided to put a freeze on my credit, after doing a full report i've realized there is a lot of unrecognized things on my credit.
Product: Credit reporting or other personal consumer reports

I have sent my Equifax data breach claim number Equifax and XXXX regarding accuracy of this debt each company especially Equifax who has breach my personal information in previous complaint thru CFPB complaints
Product: Debt collection

I started receiving calls from Ad Astra Recovery in the beginning of XX/XX/2016 in regards to an alleged debt owed of {$730.00}. I had no idea what was going on so I sent multiple of dispute letters starting in XX/XX/2016 until now. Astra Recovery simply ignored my request for validation. They were reporting to all XXXX bureaus ( XXXX, XXXX and XXXX ) of this debt. In an attempted request for validation notification of this debt, Astra Recovery has failed to send me any proof of validation per law. It 's now been 9 months. In review of my credit report within those 9 months, all Astra Recovery stated was that account was disputed by consumer and met FCRA requirements. 
Astra stated that a validation letter was sent to me along with 9 other letters. I never received a validation letter because if that was the case I would have disputed it the moment I received it. I 've attached a copy of one of the letters that I actually received of which Astra states is part of the validation only per law states otherwise. 

Astra states they will send the validation again but have not yet to receive it. This ignorance of request for validation has gone on for almost a year and per law needs to be removed from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments are being reported and I have never been late. I also have inquires that have yet to be removed. There are several laws that are continuously being broken by XXXX, Equifax, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX upon me 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( d ) ( 1 ) 15 U.S. Code 1692 ( d ) ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit inquiries on my report that arent mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my information on my credit reports to be verified and removed that are inaccurate because Florida is the capital in the world for identity theft I was a victim so I want proof it was me I asked the  XXXX  different credit bureau to verified my inaccurate information they just issue a fuard alert
Product: Credit reporting or other personal consumer reports

Company was sent certified documents to start the dispute process including my passport, bank statement and copy of my social security number on XX/XX/year> to initiate dispute process. Company subsequently emailed to advise that identification had not been including to continue dispute ( despite copies attached ). However they updated the credit profile indicating dispute was completed with Confirmation # XXXX. Despite update they was no information on outcome and no link/documents to show decision or proof. File later updated to indicate on XX/XX/year> that dispute was submitted and based on confirmation # XXXX it was completed on XX/XX/year> but again with no description of outcome, link, documents or concise information. I called today, XX/XX/year> and was advised by XXXX that the website has been experiencing technical difficulties which was the explanation for not being able to view updates. During the call rep offered conflicting and confusing information and encouraged me to send in documents to start my process over from date the documents were received despite my previous efforts as well as certified documents. The company 's suggestion, handling, misleading, and incomplete information will cause my resolution to be delayed beyond the 30 day time frame through no fault of my own. Dealing with time sensitive issue and relying on accuracy and precision. Please assist