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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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 card or prepaid card

So Best Buy credit card with My Debt protection they have charged me since 2005 plus to crazy fees if you do n't pay within the promotion I have tried with them they sent me All Forms After I reported it First Time to Say so se I have had 9 yes 9 XXXX sinse they charged Me For a service I never wanted and charging me crazy fees they said maybe I qualify for them re relieve my debt and then they also stated I never called Them witch to me Is sp Upsetting I 've had to struggle a lot of the years being XXXX have my XXXX XXXX and having it be a XXXX I called bestbuy cuz I had all Of XXXX in my bank and I saw my statement for my Credit Line that was only XXXX was at XXXX and oh ya I have n't got anything from there for so long so I well recovering called them and they said if I could pay XXXX they could take anyway all fees and then they said they make a note of it that we talked cuz I did n't have XXXX and I was n't working and I did n't know I was being charged for. Service that should have been offered to help me but instead they said I did n't call and it 's my fault I 'm so upset how can you fix this stuff is a company is able to take an XXXX year old give you a line of Credit charge you a service you did n't ask for them add crazy feeez on top Of your bill but yet you do n't use the charge and you somehow went over your credit it 's just insane
Product: Checking or savings account

DISPUTING THIS ALLEGED DEBT 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 I AM FORMALLY REQUESTING VALIDATION OF THIS DEBT, AS PER MY RIGHTS GRANTED BY THE FDCPA. UNDER SECTION 809 ( b ). 
I HAVE SENT A CERTIFIED HANDWRITTEN REQUEST TO CHEXSYSTEM FOR THIS DEBT TO BE ACCURATELY VALIDATED WITH DETAILS SHOWING PROOF THAT I OWN THIS DEBT. DOCUMENTS ARE ATTACHED. 

I AM ALSO DISPUTING UNAUTHORIZED REPORTED INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM ALSO DISPUTING NAMES AND ADDRESS REPORTED IN MY PERSONAL SECTION OF MY REPORT I REQUEST FOR ONE NAME TO BE REPORTING, AS LISTED : XXXX XXXX I AM REQUESTING FOR ONE ADDRESS TO BE REPORTING, AS LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

( 15 U.S.C. 6802 ( e ) ( 8 ) ) A financial institution may disclose NPI to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability. 
This company has repeatedly called, emailed and phoned me in attempt to collect a debt that as a third party that I never contracted with. Upon reaching out they never validated the debt, the original creditor, nor my signature permitting this contract and I request this to be immediately removed to prevent further damage to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX XXXX XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX XXXX U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I purchased a car from car max. My credit is not the best and I was prepared to pay a higher interest percentage. I am a widow with XXXX children working two jobs. I receive survivor benefits on a card provided to me by the SSA. My payment is 16 days late and I am receiving calls three times a day to collect payment. I tried to pay my payment and was informed they can't try to enter a payment from a pre paid card until it is 30 days late. after they report it to the credit bureau. I can't set up recurring payments off my pre paid card either. I was informed that upon entering my payment two different ways their system was not taking it and to avoid them reporting my non payment I could drive 45 min to the store every month and pay it or pay 12 to 20 dollars to go wire it from XXXX XXXX each month in my spare time and if these options didn't work for me I could bring the car to them and they would report voluntary repossession to the credit bureaus and sell my car at an auction and I would be responsible for the rest. I again tried to explain to them I did not have a problem paying my bill and I would be happy for them to deduct automatically. I was informed that because the options I was offered I should bring the car back and as a curtsey they would sell it at an auction and that would get me out of my payment. I was never informed in any way that unless I paid my payment exactly how they wanted me to they would not even attempt to take a different payment method until it was 30 days past due. I repeatedly asked to speak to a manager above the one I was speaking to and by the third person I had reached the top. I asked if there was some type of record I could have of our conversation and was informed she would file a written complaint to her boss. I was informed I could go refinance it somewhere that took prepaid cards because they didn't and that I had the reaming 14 days left on my statement to figure it out or it would be reported to the credit bureau.
Product: Credit reporting or other personal consumer reports

Automated Collections, XXXXXXXX XXXX  and XXXX are obligated by the FCRA to abide by laws set forth to them. I as a consumer have advised of collections that are FRAUD. Said companies had 4 days according to LAW stated in my letter attached to remove such items. An FTC fraud report was filed on my behalf as a consumer. The credit reporting agencies also forwarded this information to the corporations listed. I as a consumer am now requesting Automated Collections, XXXX XXXX and XXXX XXXX to provide the documentation to determine any of the listed items were indeed authorized by, I, the consumer with written instruction per 15 usc 1681. I am also protected by the Privacy act of 1974. I am reporting that this is not only fraudulant but that i also DO NOT give written, unwritten, verbal or non-verbal permission for these accounts to report on my credit file. GLBA does not apply here so do not even come with that rebuttle. Automated Collections, XXXX XXXX, and XXXX XXXX have 15 days to provide me with the name of the person they spoke with, document used, signed application with consumer wet-ink signature, securities accounting documents, CUSIP number, and the original contract, and qualified written request. If said corporations do not have documentation to show these were in fact authorized and accurate it must be removed immediately. Said companies are not only violating FCRA laws, CFR laws, but also the Privacy act of 1974. Said Companies are Liable under the SEC to follow certain rules. XXXX XXXX XXXX File Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEW YORK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NEW YORK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX I will be filing form 211 Treasury OMB forms to audit consumers account as well as a 3949A.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  - Account Number : XXXX Account Name : XXXXXXXX  - Account Number : XXXX Account Name : XXXX/XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account XXXX : XXXX XXXX  - Account Number : XXXX Account XXXX : XXXX XXXX  - Account Number : XXXX Account XXXX : XXXX XXXX  - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed and faxed about this information on my credit report and the company have yet to respond and it been over 30 days. I did not authorize anyone to make these inquiries.I thought I had my account set that they have to get additional information to make sure its me.I know for sure this did n't happen.This is having a negative impact on my credit Amex XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ( this bank seem to run my credit every other month ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX ( I have no clue what this is ) XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX at approximately XXXX XXXX I went to the Citibank branch on XXXX XXXX XXXX XXXX in XXXX CA to withdraw cash in the amount of {$8000.00}. 

I had previously been unable to update my pin number online due to maintenance. 

Also my security questions asking for my mothers maiden name could not be verified. 

Since the wire was recent, the teller informed me they could not process my request at the time and to call Citibank. 
I stepped outside and called Citibank to confirm my identity associated with this account I went back inside to continue my transaction and the manager was acting suspicious the whole time and immediately gave me a number to Citibank 's fraud department without offering any resolve. 

I now find out that my account is not accessible and the checking is under investigation.
Product: Debt collection

Throughout the last two months, I have been trying to tell this debt collection company that I dont owe the amount of money. XXXX is saying that I owe and XXXX was supposed to send me a bill detail of what I owe because they told me a different amount on the phone which was {$210.00} and I paid XXXX of that so I should only owe them {$110.00} which I was waiting on the bill because this new debt collector Sent me an email theyve never called me but they sent me an email saying that I owe XXXX and something dollars I dont owe XXXX and something dollars, which is why I was requesting the bill and I still have not received a bill from XXXX or a copy of the bill from the debt collector XXXX tried sending it to another debt collection agency before this one I was able to approve that they never sent me a bill detailing or showing how they got this amount that theyre saying that I owe them and so that XXXX collector kicked it back to them because I disputed it . I tried disputing it with this debt collector, and they never replied to my dispute at all they put it on my credit report the reason we got rid of XXXX was because there was no service XXXX. My son kept getting errors. No one was able to contact him. He wasnt able to dial out most of the time because the service was always down and people could not call in you would just get a voicemail. I talked to XXXX about this multiple times. They did not fix the issue. Thats why we poured it over to XXXX XXXX XXXX where he would get better service. My son works from his phone doing landscaping so he hast to have access to a phone that works after dealing with this for two years, I told XXXX multiple times they never fixed it just like they didnt fix my other lines and so we had to just be done and then leave XXXX alone and because of that now theyre trying to falsify how much was owed on this account we went from paying XXXX and some dollars to pay almost {$200.00} a month and they couldnt tell me why we had no changes added to the bill or anything no upgrades on phones or nothing. It was one phone.
Product: Debt collection

offices of Mitchell Rubensten & Associates are under courts favor of a garnishment agenst my Wife 's bank account for the amount owed. in sort my wife lost her job and my income was the only one coming in. are bank accounts are connected but sepurate. Mitchell Rubensten & Associates had all the account she was connected to Lock 100 %. this included my account. this lives me and my wife with no money for other bills that are due. I have tried to talk to them about my account. but nothing but you will have to wait until the next court date of XX/XX/XXXX in XXXX county the case number they have is XXXX
Product: Credit reporting or other personal consumer reports

HARD INQUIRY NEEDS TO BE REMOVED IMMEDIATELY. THERE IS AN UNAUTHORIZED HARD INQUIRY FROM XXXX XXXXL BACK IN XX/XX/year> THAT NEEDS TO BE REMOVED. I spoke with creditor who confirm that they informed Equifax to remove it about XXXX weeks ago and it is still showing on my credit report. I have included the requested info that Equifax asked for in the letter that was mailed out to me. 

I spoke with Equifax today on XXXX XXXX around XXXX XXXX to see why they the fraudulent hard inquiry from XXXX XXXX XXXX XXXX XX/XX/year> is still showing on my credit report. This was never authorized by me and i disputed with the creditor who sent me a letter confirming that this had inquiry and account is indeed fraudulent and should be remove immediately. I have attached that letter to my original CFPB complaint on XXXX XXXX. And Equifax is refusing to remove it, regardless of what me and the creditor states. This is unacceptable and need to be dealt with immediately! Equifax keeps telling me that its a factual/legit inquiry and I am done with their stupidity as this point. I am tried of going back and forth with them over this inquiry that was never authorized!
Product: Mortgage

I was in Foreclosure process during the years XXXX, the bank officers were rudest during this period, finally I had to filled Bankruptcy XXXX XXXX  to save the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy inaccurate statue of limitation by Federal Law over 10 years chapter XXXX and chapter XXXX dismissed never filed or completed
Product: Student loan

I got an alert that my balance went up on all my loans .... ( Navient ) An alert came to my credit report about increase.
Product: Debt collection

This account has caused me significant distress, to XXXXhe point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX was removed from my credit reports, ( EXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), when I successfully disputed XXXX XXXX of {$170.00} Termination Fee. I do not and I have never owed XXXX a {$170.00} Term. Fee. I have statements I paid from XXXX ( {$10000.00} ) .I paid every month, even the last three months that I had no internet connection or land phone ( XXXX XXXX ) .I terminated XXXX XXXX. Via phone on XX/XX/XXXX and Returned Equipment XXXXI PAID all charges owed through XX/XX/XXXX. XX/XX/XXXX they tacked on a Termination Fee I didn't owe, had never been told of or spoke of from any XXXX XXXX a Fraudulent, illegal charge. In XXXX XXXX when the fraudulent charge was removed from all of my credit reports, XXXX went to another Collection agency-icSystem, letter dated XXXX-Received XX/XX/XXXX, with the same illegal fraudulent charge. Letter is threatening me, if I don't pay the {$170.00} or at least settle to pay # XXXX the charge will go as a Collection against me within 30 days to all national credit agencies. XXXX blatantly gets another Collection agency to represent them to try to keep a fraudulent charge I never owed, against me on my credit reports. I had even paid for the months I had no service ( XXXX ). You can see from all of the accounts I have in good standing, no past due or over limit, I properly pay what I owe, but I don't pay wrong, illegal, fraudulent charges I do not owe.I do not owe Comcast-icSystems, or any of the XXXX Collection Agencies ( XXXX, XXXX, XXXX XXXX XXXX ). The audacity of XXXX to deliberitly and fraudulently attempt to swindle money out of an impoverished XXXX XXXX such as myself and to blatantly disregard all of the Credit Bureaus decision to remove the XXXX/Collection agency charge from my credit reports by hiring another Collection agency-icSystem thinking they could disregard/disrespect the Credit Bureaus and me by side-stepping through another agency to immediately keep attacking me.I attempted reasoning with XXXX XXXX, when I made a final payment to them of XXXX arrogantly refused to listen or reason. This fraudulent charge has cost me Insurance and Finances in a time of dire need.Can you correct/delete this problem? I have also contacted FTC. XXXXCollection Agencies should not be able to Illegally Harrass me for a debt I never owed, especially less than a week after the Credit Bureaus deleted it from my credit reports. 
Isn't it illegal to negatively charge a Continuity without express consent? Can you please Stop this erroneous bully XXXX from further harm of me and others. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2021, it has now been a month since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Product: Debt collection

XXXX XXXX from Midland Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX called me at XXXX on my cell phone knowing I have told them NO TO CALL me I only want written contact. He told me he was calling to collect a debt. The debt he said was charged off XX/XX/XXXX. Today is XX/XX/XXXX. That makes this debt 7 years old. I have requested more than once copies of the original paperwork that I would have had to sign if I opened the account. I never got anything that proves this is my debt. Please stop this company, and I want to get money for all the time and trouble and my reputation, that they have inflicted on me, due to their deceptive business practices. They buy debt and never make sure the debt is really owed, therefore they are in violation of the fair credit reporting act, which was designed to protect people from this type of activity. Please end this company from trying to collect from me on other things too. Especially the bogus XXXX XXXX purchases they bought. This is turning into a free for all and they need to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB XXXX XXXX XXXX I am not an attorney nor am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I have a few issues with my credit report not being accurate. I was recently turned down for a mortgage based on information on my credit file that is dubious at best. The first issue is several addresses that I never lived at. Please delete 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, There are several unknown phone numbers, please delete the following numbers they are not accurate : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX
Product: Debt collection

Hello, I've been having these negative items reporting for a year plus now and Ive been disputing the items. The only response I receive was that it was verified. I want to know who verified it? Also I want letters of validation stating that I owe or borrowed debt from this people.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Debt collection

This specific company would call but the number they would call from would tell me to call another number to talk to someone. I then got a text from my brother and they would not identify who they were to him but that they have third party ways to try and get in contact with me. Said they had 3 other people on their list but would not disclose who they were. I left a message to them because they did not answer when I called, and told them not to ever call anyone else ever again because thats just straight up harassment. I spoke with them today trying to ask questions and they were nothing but rude to me and was told Im just matching energy when I was asking legitimate questions and refused to answer my questions. Oh and then straight up said they were going to tell their client that I was just not going to pay when that wasnt what I said at all. They didnt bother to ask me where my financial situation was or do anything to try and resolve the issue but be rude and nasty for literally no reason.