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

XXXX has illegal reinserted debt that was disputed as fraudulent not belonging to the consumer. XXXX violated the FCRA by refusing to notify the consumer prior to reinserting disputed debt. I disputed an PayPal account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this Paypal account is was removed from the credit report. PayPal apparently sold the disputed debt to XXXX Bank with full knowledge this debt was disputed as fraudulent not belonging to consumer then XXXX reinserted the dispute debt on the consumers credit report. I contacted XXXX bank on numerous occasions and asked for verification of said debt and request line item account of how this debt was calculated and proof goods or service were obtained by consumer. XXXX Bank has refused to provide receipts and proof of purchase showing consumer obtained said goods and services and refused to verify how this debt was accumulated in direct violation of the FCRA. I want CFPB to investigate this practice of selling fraudulent debt after the consumer disputed and it was remove from said report and XXXX illegal practice of reinserting disputed debt in direct volition of the FCRA. I also want XXXX Bank investigated for refusing to provide the consumer with proof said debt belongs to consumer and a line item calculation showing how this amount was calculated. I want the CFPB to enact or enforce laws that prevent creditor and credit bureaus from this abusive practice of refusing to show consumer receipts and proof of purchases and re-selling of fraudulent debt that was disputed and removed from the consumer credit reports.
Product: Debt collection

I pulled my credit reports and saw where IC SYSTEMS had inserted an account on my file. I have never received any correspondence from this company. They have not been in compliance and this is a violation of the FCRA and FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a {$3100.00} credit card collection from XXXX XXXX on my credit report. I am no longer an authorized user on this account, nor am I responsible for its repayment in any way. I have been contacting Equifax about this issue for months, but they refuse to take that account ( that does not belong to me ) off of my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX 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. 

XXXX XXXX XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - 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 XXXXXX/XX/year> - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - 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 XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - 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, Experian, and XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that I have absolutely no knowledge of. Before contacting XXXX, Experian and XXXX I call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in months that are reported late to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report cause I was trying to find a place to live and wanted to be sure things were ok. I noticed a hard inquiry from DT Credit. The inquiry was dated XX/XX/XXXX. I contacted the company @ XX/XX/XXXX and they didn't know how it happened. Since, my s.s. # and signature is needed to apply for a loan or to make a hard inquiry on my report. I was told it would be escalated and removed from my report. That never happened. I called again few months later to see why it wasn't corrected. I was told that the department to fix was closed. I asked if could file my complaint again. Was told I need to call back. I then asked if someone could call me since I was on hold so long and don't have time to keep waiting for something I didn't even do. The response was no, Call back. Now I am escalating this matter further.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

So I had a credit card through XXXX XXXX opened up fraudulently as well as a bank account and many other accounts. So I made a police report and canceled all accounts. I reported it to all 3 credit Bureaus. I called XXXX XXXX to provide police report number and I thought it was all taken care of. But they reported as bad debt. I tried disputing it and it came back verified. I requested the information obtained to verify the debt and nothing. So I doubled back to XXXX XXXX and the noted all the information, police report in file and everything. But stated there only objective was to collect the debt so the account has been sold to XXXX XXXX. I spoke with a Equifax rep who told me the address connected to the account which was added to my report based off the credit card account was the verification. Its a fraudulent account due to identity theft. This is a hard process even with documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as my follow-up request. I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

placed an extended fraud alert on my credit report without my permission and hasn't removed the alert.
Product: Credit reporting or other personal consumer reports

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : Bureau : XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it.

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX
Product: Debt collection

Title max, Repeatedly called my number since XX/XX/2020. They are looking for a XXXX XXXX, I have repeatedly told them I am not her and to please stop calling. They have told me numerous times they would take my number off the list and have not done so. They continue to call abput every day, sometimes twice a day.
Product: Debt collection

Went to mall and was enticed by sales person to buy a ring that normally was priced at {$4400.00} but that it was listed at 75 % off due to XXXX of XXXX sale they were having. They had me apply for credit. They gave me 2 credit cards for an unknown reason. I only applied for one. This other credit card showed up after the period to return the ring. One was XXXX and the other I can not remember. The total price was supposed to be {$1500.00}. I had to have XXXX so I was out. My husband made the payments to the jeweler until I could get a chance to resolve the issue. When I was health again I went back to the store with the paperwork that I had received. They attempted to say that I had agreed to other charges but they could not provide me any papers that verified this. I did not sign any other papers. I had all papers I had signed and none of the numbers matched. I called the manager, I called the main office. I could not get any documentation of any other charges. I received an inheritance and told them I would pay them the {$1500.00} that the price was supposed to be. They refused and would only accept {$4400.00}. I have sent written requests to validate the debt but I can not get any response. 
They reported all of these accounts on my credit : SYNCB XXXX XXXX/ XXXX SYNCB XXXX All opened XX/XX/17. How would I have taken out a total of {$7700.00} in credit to buy a {$1500.00} ring?
Product: Credit card or prepaid card

A credit card account was opened by someone within the bank under my name and used. I 've contact all  XXXX  credit bureaus several times but NAVY federal credit union told them those account is mine, I sent NAVY federal credit union FTC 's Identity Theft Affidavit form and they never resound to my request to provide me with verification of account belong to me. As of today NAVY federal credit union keep reporting to credit bureaus with delinquency info in my credit report, which made several lenders to deny home loan refinance.
Product: Debt collection

On XX/XX/XXXX I received a letter from a debt collection agency, dated XX/XX/XXXX by : NCC XXXX XXXX XXXX  XXXX, VA XXXX. XXXX The letter said I had multiple debts with XXXX XXXX XXXX XXXX in the amount of {$16.00} I called XXXX since I have always paid for service on the same day of service. 
I was told by the receptionist, that I do not have a balance and my account was all paid up. She also mentioned that the letter may be a scam as many other patients have called in to complain about the same issue. She said to please disregard the letter. 

I believe someone within that company may be behind this. I think it is a scam as well.
Product: Mortgage

My husband passed away from XXXX XXXX XXXX, XXXX. I have been attempting to negotiate a forbearance agreement with Axos bank regarding my mortgage since XX/XX/XXXX. They rejected my request and I have been unable to make the payment. My house has been on the market since XX/XX/XXXX. It is now under contract and the closing attorney submitted a request to access signed by me for a payoff letter. That request was submitted approximately three weeks ago as we are scheduled to close XX/XX/XXXX. Just this week we finally heard that they can not process the payoff request because my name is signed on it and not my husbands name. In XXXX when I first began attempting to negotiate with them, I provided proof that I owned the house with my husband joint tenancy with right of survivorship and had subsequently transferred ownership solely to myself. In addition, I provided a copy of his death certificate. Axos has all the documentation to show that my husband is deceased and that I own the property. They are refusing to provide a payoff letter to the closing attorney which would allow me to sell the home and pay them. I can provide any and all documentation that may be necessary, I just need a payoff letter ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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Product: Checking or savings account

On approximately, XX/XX/2021, I send an email over to CashApp Support, regarding a problem of unauthorized charges made to my account. I was instructed to reach out to the company to try and resolve the problem. Upon doing such I was told by the company, ( XXXX XXXX XXXX ) that I would be receiving a refund so that I did not have to bother with finding a claim anyhow since they were unable to provide service and the account was deemed cancelled. The woman stated that it would take 3-5 business days to cancel and depending on banking policy I'd receive refund. However, that never happened, so I then sent another email to CashApp Supporting trying to explain what happened and they assured Id be hearing form someone else to open the case and get things rolling. Here it is XX/XX/2021 and still nothing had been done. Although, I did advise that I would contact the OCC. However, the OCC website appears that they are not governed by them. Rather the try the FDIC I started with this per web description on the OCC. I explained that there was nothing I signed and that I did not authorize the transaction and for them to proceed accordingly getting back the funds and here we are. I have more emails I am just not able to access them right now so below you will find screenshots of the emails I was able to get off my phone. I can send more including the initial email regarding the claim.
Product: Credit card or prepaid card

Opened an account with the first year annual fee waived. 

During that year, I canceled the account. 

No bills of any kind were ever received, either by mail or email. 

About a year and a half after the opening of the account, I received in the mail a notice that my email address was not functioning. 

I then went online and discovered that I had incurred an annual fee and that my card was still active. 

When I called to close my account, the representative kept me on the phone for 30 minutes trying to get me to keep it open. Multiple attempts to ask her to confirm that the account had been closed were responded to with sales-oriented questions such as " what is it that you like about your other cards '' ... as well as retention offers of statement credit if I kept the account online and spent a certain amount. I then told her I would hang up if she would not stop with those questions. She continued with those questions and refused to confirm that my account was closed. I hung up. 

I called the number once more, spoke to someone else, refusing to answer any questions ... and was told my account was closed. 

I currently do not know the status of the outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX  XXXX - XXXX,XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX