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

XXXX XXXX ( XXXX XXXX XXXX ) Lost in court over a {$6400.00} Collection claim on XX/XX/XXXX I received a judgment in my favor. Since then it is still on my credit report negatively affecting my score. They have violated my rights and have slandered me to the point where I can not get a loan, due to the fact that this is still on my credit report for almost a year to the day. All three credit reporting agencys : XXXX, Trans Union & XXXX are aware and are in possession of copies of my proof the judgment in my favor was mailed to all three of them XX/XX/XXXX. Since then I have received three months worth of updates XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX from all of them saying the investigation results are verified and updated the disputed item was verified as belonging to you and information was deemed accurate ... .... I would like you to please send complaints to all three of them they are all in violation of the fair debt credit act as well as the creditor. I have called them several times and they will not give me an answer they will not give me anything to go on. I also received a letter from Trans Union saying that XXXX XXXX was deleted from my credit report on XX/XX/XXXX but all three credit reporting agencys are still showing on my credit report and it is over {$9000.00} that is still reflecting negatively on my score I would also like you to send a complaint to them regarding this as well.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported on my credit report regarding the XXXX XXXXXXXX XXXX  account # XXXX. The reported last active dates differ between the credit bureaus, with XXXX showing XXXX and both XXXX and TransUnion showing XXXX. I have reason to believe that this information may be inaccurate.

Request for Validation : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information to the credit bureaus. Given the discrepancies in the reported last active dates, I am requesting that this account be validated to ensure that the information being reported is accurate. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : If this account information is being reported inaccurately or without proper validation, it may also be a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. Additionally, 15 U.S.C. 1692g requires that any debt being reported must be validated and verified.

Request for Immediate Action : I am requesting that you conduct a thorough investigation into the accuracy of this account and provide validation of the debt. If the account can not be validated, I request its immediate removal from my credit report. Additionally, please provide me with an updated copy of my credit report reflecting any corrections.
Product: Credit card

I made arrangements to pay the small balance in 3 installments over the summer to resolve it and close the account. Payments were made timely yet they continued to add interest, which makes it impossible to pay in full. I've disputed, and they ignore me. They continue to call me 10+ times a day, changing the caller id # each time. This is harassment. They have called my family members who were on my XXXX account over ten years ago, which makes me think they are using hacked/sold info to do so. 
I just want them to leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing 11 late school loan payments but I have been on deferment and income based repayment plan for five years. No payment due until XX/XX/2022, yet late payments are shown.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXXXXXX I am writing to dispute this account on my credit report due to aggravated identity theft. These accounts were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX I am writing to dispute this account on my credit report due to aggravated identity theft. These accounts were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX XXXX  XXXX I am writing to dispute this account on my credit report due to aggravated identity theft. These accounts were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX - XXXX XXXX I am writing to dispute this account on my credit report due to aggravated identity theft. These accounts were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities. 

XXXX XXXX XXXX XXXXXXXX I am writing to dispute this account on my credit report due to aggravated identity theft. These accounts were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of credit report and noticed credit inquiries that I have not authorized nor do I have any knowledge of. There are inquiries from creditors, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. I reached out to the credit reporting agencies to report this information along with getting it resolved. I have yet to receive a formal reponse I have the right to privacy and have not given any written consent for this information to be furnished to my profile, doing so is in violation of 15 USC 1681B. 

Further furnishing information to my profile due to identity theft is also in violation of 15 USC 1681 c-2
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX ( only ) XXXX bill automatically payment {$100.00} XXXX XXXX  plan XXXX XXXX Flex Plan XXXX  contact XXXX this is not my bill on collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX online information services XXXX inc has completed its investigation on reference number XXXX for XXXX XXXX and found the information being reported as accurate. 
RE disputed Reference # XXXX Amount Owed {$250.00}
Product: Credit reporting

Transunion continues to report inaccurate fraudulent information on my report. XXXX account # XXXX is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal. 

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A sec. 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have been disputing these accounts for months now. They don't respond to my requests and I'm beyond over it. 

I have included screenshots and letters that I have submitted to the bureaus.
Product: Credit reporting

XXXX account that started as a debt to XXXX XXXX and has been sold again and again to different agencies. This XXXX account pops up several times in my credit report with Transunion. I have started the dispute process in XXXX and still not resolved. Although it has been removed under the name of XXXX, it pops back up under XXXX Court Public Record. There playing games now. 
Again, This account was recently removed from public record but still listed under collections. I had Transunion remove the error in collections but then they added it back on under the name XXXX Court in Public records. PLease PLease help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX, CARD # : XXXX, ACCOUNT NAME : XXXX XXXXXXXX XXXX ACCOUNT NAME : XXXX XXXX, # : XXXX ACCOUNT NAME : XXXX, # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX # : XXXX ACCOUNT ACCOUNT : XXXX XXXX XXXX XXXXXXXX, # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX, # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX, # XXXX ACCOUNT NMAE : XXXXXXXX XXXX XXXX, # : XXXX ACCOUNT NAME : XXXX XXXX, XXXX : XXXX ACCOUNT NAME : XXXXXXXX XXXX, # XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX # : XXXX ACCOUNT NAME : XXXX XXXX, # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX, # XXXX account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

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

15 U.S.C 1681 Section 604 A. Section 2 : Also states that 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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

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

On Monday XX/XX/XXXX I called XXXX XXXX to cancel my membership with them as I knew the nest time I'll be billed was coming up soon. It was a 45 minute wait I was on my 30 minute lunch so after 30 minutes of holding I hung up. Well I got off early on this Friday XX/XX/XXXX and I called XXXX XXXX back and waited 30 minutes finally a rep answered and stated that since I signed up with Collection Shield 360 ( A free service ) that I have to cancel through them. At that time I was told that they're closed that the ONLY way I could cancel the services is via email. The rep gave me the email address. I immediately email them. Now I noticed I had a pending charge of {$9.00}. The rep stated that they'll give me a refund. 

Now I've had Collection Shield 360 before and it was a free service and they used your XXXX XXXX credit reports to do the disputes on your behalf. When I signed up this time you're forced to sign up with XXXX XXXX in order for them to do the disputes for you for free, in which it's not free it's a gimmick. Free is free. 

Well today someone name XXXX responded back to me. I never been so made with a unprofessional rep. The way she responded back she should be fired off GP. She doesn't serve a purpose. The refund is only {$9.00} this woman responded like I was asking for her to give it to me from her banking account or her prepaid card. I'm writing a letter you don't talk to people like that as we're the reason that she has a job. All correspondence are attached.
Product: Debt collection

I reviewed my credit file and there was a collection agency listed for a debt. I asked the company to validate the debt and I was provided typed documentation with my name listed. A typed signature and no identifying information related to me is not acceptable validation of this debt.
Product: Bank account or service

On or around XXXX/XXXX/14 XXXX XXXX XXXX. sent me my last dispursement check from my Escrow Disbursement account, to finish my repairs on my house from Hurricane XXXX. I NEVER RECEIVED THE CHECK. I called XXXX three times on or around XXXX/XXXX/14 - XXXX/XXXX/14. first time I asked when the check was coming, they said give it more time it is in transit. Second time I called them I told them I did not recieve my check and they should stop payment. Their response was " give it more time ''. Third time I called them, I told them I still have not received the check and for them to definitely stop payment. Their response was, the check has been cashed and that I needed to go to J.P Morgan Chase and request a fraudulent claim form. I told them that it was their job, being that the check was not from my account. ALL OF THIS IS ON THEIR PHONE RECORDINGS OF ALL OUR CONVERSATIONS. I asked that they send me a copy of the check, it took XXXX approximately eight months plus numerous phone calls, to get me a copy of the cashed check. Their explanation of the delay was that they were transferring their insurance loss department to a new location in Texas and all paper work was in transit. Finally, I received a copy of the cashed check and as you can see my signature is not present and nor did I give any authorization to cash this check. I filled out the necessary paperwork to the best of my ability to get this matter resolved, which I will attach. All three banks refuse to take responsibility. 
I believe XXXX XXXX is at fault mostly for not following proper procedures and taking and opening an account with an improperly endorsed check. 
J.P Morgan Chase also did not follow proper banking procedures because they did not check the endorsements and released the funds anyway to XXXX XXXX. 
XXXX is also at fault for not stopping payment when requested and simply not taking any responsibility or helping to resolve this situation in a timely manner.
Product: Credit reporting or other personal consumer reports

I have been sending out letters and XXXX affidavits and receiving responses that Automated Verification is showing the account accurate and being told the disputes will no longer take place after asking for evidence of the original signed contract because I made affidavits in opposition because I deny the account below is my debt, I acknowledge I have no contractual agreement with XXXX XXXX XXXX XXXX. XXXX, XXXX, and Experian are telling me they don't have send me this proof of original contract when I had no contract or debt with XXXX XXXX XXXX XXXX and this account was created without my consent or knowledge and the account is fraudulent. 

I admit that I am victim of identity theft, thus filed an incident report with XXXX Police Department XX/XX/2023 case number XXXX, Federal Trade Commission Identity Theft Report, and XXXX ( b ) identity theft report ( enclosed ). 

I admit that this has caused me mental distress because of humiliation and embarrassment and good standing credit accounts closed, and lowered XXXX XXXX which caused future denial of credit, AND emotional, financial ( injury to credit report and attorney fees, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and all three credit reporting agencies. 

I am a victim of identity theft ( SEE ENCLOSED IDENTITY THEFT REPORTS ).
Product: Money transfer, virtual currency, or money service

I transferred funds from my online bank ( XXXX  ), to my Wise account on XX/XX/XXXX. On XX/XX/XXXX XXXX indicated that the funds had been transferred, but Wise did not deposit them into my Wise account. Today, XX/XX/XXXX the status in my Wise account says the transfer was canceled, with no explanation. When I contacted Wise, they said they had an " incident '' that caused the transfer to be canceled, and provided no additional information. Wise has said they will refund the money to my XXXX XXXX  account, upon me providing proof of payment, which I have sent them. Wise has stated it will take them up to 10 business days to refund the money. This means the transfer amount of {$7200.00} will be in Wise 's hands for up to 15 business days before I receive it back. I need this money to pay my bills, and it is unacceptable for Wise to retain my money for this long when it was their own issue causing the cancelation and delay. I would like my money refunded immediately, and explanation of the incident including whether they suffered a security incident that compromised my account, and compensation provided for the daily interest I lost while Wise holds my funds. The interest I will lose on {$7200.00} for almost a month is approximately {$30.00}.
Product: Debt collection

I believe XXXX XXXX XXXX sold my phone number to PRA Group aka Portfolio Recovery and now I am receiving repeated and almost daily calls from different numbers from this company. 

( XXXX ) XXXX PRA Group - XXXX XXXXXXXX XXXX number blocked ( XXXX ) XXXX PRA Group - XXXX XXXX XXXX  number blocked ( XXXX ) XXXX Portfolio Recovery - XXXX XXXX XXXX  number blocked ( XXXX ) XXXX Portfolio Recovery - XXXX XXXX XXXX  number blocked ( XXXX ) XXXX Portfolio Recovery - XXXX XXXX XXXX  number blocked ( XXXX ) XXXX Portfolio Recovery - XXXX XXXX XXXX  number blocked. 

I DO NOT have an account with PRA Group aka Portfolio Recovery, and they have not mailed or emailed anything to me detailing this non-existent debt. 

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

Equifax big security breach on XXXX/XXXX/XXXX. I was informed that I was affected by it. I checked XXXX/XXXX/XXXX on equifaxsecurity2017.com and it said my information was compromised. I will be freezing my files with all 3 credit bureaus shortly.
Product: Mortgage

I contacted Amerisave Mortgage and spoke to XXXX XXXX, one of their loan officers. I told XXXX that I was turned down for a mortgage loan last summer. I told him I found another property and that I am looking into finance. I specifically told him that I need him to prequalify me before incurring any expenses. He asked me a good number of questions about my income, assets and liabilities. I answered him truthfully. He assured me then that he sees no problem in me getting the loan. He said he will email me a pro-approval letter to give to Seller, and proceeded to ask me for my credit card in order to obtain an appraisal. I am not sure as whether he asked for my credit card info during our first conversation or at a later time. 
After a month of dealing with loan processor, my loan was declined because my loan to income ration was XXXX and not XXXX I told XXXX XXXX as well as Amerisave Customer Relations that due care was absent dealing with me, that the loan officer should have had doubt about my qualifying in view of prior rejection, and should have been more thorough before costing me money. I asked for {$940.00} in expense reimbursement, but Amerisave declined taking any responsibility. 
PS : I asked Customer Relations to look over the recorded information between me and the loan officer. Customer Relations replied the tape was erased.
Product: Debt collection

XXXX has charges on my credit report without me opening an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank instructed the CRAs to delete an open, valid account from my credit report on which I am an authorized user. They did not do so at my request. Nor did they do so at the request of the main accountholder or " responsible person '' -- see attached file. When I called Citi about this in early XX/XX/XXXX, they told me that the account would automatically reappear on my report soon after the current billing cycle ended. I waited a month and it did not reappear. So next, in mid-XX/XX/XXXX, I tried writing to Citi. Citi replied with a refusal to fix its error. I wrote Citi again on XX/XX/XXXX. Today, XX/XX/XXXX, I received a phone call from Citi 's Executive Office ( XXXX ) with another refusal to fix the error. The person with whom I spoke incorrectly believes that the account can not be added again because her office believes that FCRA **prevents** Citi from placing the account back on my report once it has been removed. This is obviously an inaccurate interpretation of 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) : That subsection is designed to prevent reappearance of **inaccurate, unverifiable, and aged-off** accounts. Nobody has disputed that the relevant account remains open and in good standing, or that I remain an authorized user on it. Furthermore, FCRA can indeed be interpreted to **require** that Citi report this account. I have my own credit card account with Citi, opened in XX/XX/XXXX. Citi is reporting that one account, but not this other account for which I am an authorized user. Citi is therefore reporting incomplete information concerning the data it has for me. FCRA does not allow reporting of incomplete information. It states in relevant part : " Duty to correct and update information : A person [ here, Citi as an information furnisher ] who ... has furnished to a consumer reporting agency information that [ it ] determines is not complete ... shall promptly notify the consumer reporting agency of that determination and provide ... any additional information ... necessary to make the information [ it provides ] to the agency complete ... [. It ] shall not thereafter furnish ... information that remains not complete .... '' 15 U.S. Code 1681s-2 ( a ) ( 2 ). Citi knows that it is providing incomplete information for me ( only one of my open accounts with it ), and that it has accurate information -- about the other account -- that is not currently providing. Although Citi can not meet the " promptly '' requirement now because I have been complaining about this since the first half of XX/XX/XXXX, that is no reason for it to refrain from fixing its mistake now.