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

I never did and currently do not have any collections of charge offs with the Department of Veterans Affairs. Experian has stated that they have verified this information which I know they have NOT because it is not true and after numerous requests they have not provided me with a copy of the verification which is required by LAW under the FCRA. This needs to be removed immediately because they are in DIRECT VIOLATION of the FCRA by reporting false information.
Product: Checking or savings account

Hello, On XX/XX/2021 I accessed my Chase.com bank account to send funds through XXXX to one of my vendors. A little later, I received a message that the payment was under review and shortly after my online account was blocked due to fraudulent activity. 
The email I received indicated that I have a secure message in my online account and that I need to log in to review and reply. The problem was that my online account was blocked, so I couldn't access the account and review or reply to the secure message. 
I was trying to get an agent on the phone just to be told that I need to speak to someone from the fraud department. After XXXX (! ) hours on hold, the call got disconnected. 
I tried to reach chase representative through the social media, just to be told that they are unable to help. I was offered an option to meet with a banker at the branch, however I will need to schedule an appointment and that can take 7-14 days for appointment availability. 

After few attempts, I was able to get a representative from the fraud department who not just asked me to identify myself ( which is fair and expected ) but also insisted to know why I was paying the person on XXXX and what type of work he performed for me. 
When I answered it is private and not the representative 's business, I was told that without a reason, he will not open up my online account. 
That was finally resolved on XX/XX/2021. 

Today I was trying to pay another vendor {$800.00} and was immediately saw that this transaction is under review. Shortly after, my account was blocked again. 

While this bank account is not my main personal account, it is unacceptable that I can not access my account and the financial institution is fast to block the account but is also not accessible to provide service to open my account. Leaving me and my funds XXXX.
Product: Credit card

I have identified inaccuracies in my XXXX Report that do not belong to me, indicating potential fraudulent activity. I have made diligent efforts to rectify this issue by engaging in written communication with XXXX. Despite my attempts to address the matter through mail communications, XXXX has been unwilling to comply with federal law and correct the inaccuracies. I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates XXXX XXXX non-compliance with federal regulations. I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. 
Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situation.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with Portfolio Recovery Associates. I do not have a contract with portfolio recovery Associates. they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit debt was paid. This is not reflecting and my credit report
Product: Checking or savings account

I tried to link my XXXX account to my American Express savings account. XXXX account show up as XXXXXXXX XXXX because that is the bank they use for US currency. After linking, my American Express savings account is frozen. I called them and uploaded the statement from XXXX as requested. My American Express savings account is still frozen.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Contents of Complaint : This CFPB complaint has been Filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , shall block information appearing on my consumer credit report that is the result of identity theft and fraud and remove these accounts within four business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are old credit card accounts that are over seven years old and need to be DELETED from my credit files from all three credit bureaus ASAP because the accounts no longer belong to me per the open dates and time frames. This is against the law to keep damaging reports on a file for over seven years. Please DELETE all six listed below. 

1. ) 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 card

Thgey are trying to collect money from XXXX - which they would probably scare the elderly out of paying them. they send emails every week
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was open around XX/XX/XXXX without my knowledge. Amount of {$6400.00} XXXX XXXX XXXX Account Number XXXX open XX/XX/XXXX Amount {$750.00} XXXX CARD OPEN XXXX XX/XX/XXXX BAL $ XXXX BAL {$2300.00} XXXX XXXX # XXXX open dated XX/XX/XXXX {$2400.00} XXXX XXXX XXXX   OPEN DATE XX/XX/XXXX BAL {$15000.00} I submitted my FTC report and a written letter stating I was a victim of Identity theft.
Product: Debt collection

On XX/XX/XXXX. We bought airline thickets for my wife and myself for XX/XX/XXXX. 
For {$420.00} and {$430.00} from XXXX XXXX. 
The flight was at XXXX XXXX 
We arrived at XXXX We had the tickets on my wife 's phone. 
We prepare to get online for boarding like the rest of the people. But then we noticed that our thickets were block. It wo n't open. So coud n't board. 
I call the boarding desk and were told that they wo n't allow us in that flight. That another flight was available the next day for additional {$500.00}. 
To us did n't sound it fair. 
They overbooked! 
Then a week later they open our phone telling us to go boarding in XXXX XXXX Nevada airport! 
Of course we were in XXXX Texas in our home! 
I told our bank Bank Of America not to pay. 
We explain everything that happened. 
But ignoring our wishes. 
On XX/XX/XXXX they pay XXXX XXXX. 
I have called Federal Trade Commission Governor XXXX XXXX of Texas XXXX XXXX XXXX this frivolous charges Thank you.
Product: Credit reporting

I rented a residence from XXXX XXXX in XXXX MN. the rental payment was {$1100.00} per month. The property was located at XXXX XXXX XXXX XXXX MN XXXX. I rented the property from XX/XX/XXXX through XX/XX/XXXX with no late payments or other issues. XXXX XXXX informed me that that have an agreement with Experian Rent Bureau to report all rent payments on your credit report. However, the information is not showing up on my credit report. I called XXXX XXXX and asked if they could report the information and they told me to file a dispute with Experian Rent Bureau and they would verify the information and it would be reported on my credit report. I filed the dispute and Experian Rent Bureau told me they do n't do that they only monitor credit. They also said maybe when renters warehouse set up my account they did not click the button to submit my information. I reached out to XXXX XXXX again and they gave me the same information. Both companies are telling me its the other companies responsibility to report. I just want the positive credit information reported. If they are unable to report then they should remove any negative items, that seem to find a way on to the credit report very easily. This would significantly improve my overall credit score. I attached the emails back and forth between myself and renters warehouse. I have been trying to resolve this issue since XX/XX/XXXX. The contact information for XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX. I attached all the supporting emails.
Product: Payday loan, title loan, or personal loan

XXXX violated the fair debt collection practices by daily calling several times daily 2 of my family members. They also disclosed to them whom they were.
Product: Debt collection

Portfolio Recovery is reporting a debt on my credit reports that does not belong to me. The debt shows assigned XX/XX/XXXX, the debt has been refreshed on my credit report to XX/XX/XXXX. Portfolio Recovery has been sued by the Federal Trade Commission for unfair debt reporting on consumer credit. Per the Fair Credit Reporting Act protecting the information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services.
Product: Debt collection

Refused to inform me of where I could retrieve my personal property from my car they illegally repossessed for a past due unsecured personal loan XXXX. 
Continued to call me, refused to say who they were, after I repeatedly told them not to call this number I did not give them, three times in 30 minutes stating simply " I know you told me not to call this number '' instead of answering my question of " who is this? ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my account with XXXX XXXX XXXX and would like for this information to be removed from my Equifax and XXXX Credit Report.
Product: Credit reporting or other personal consumer reports

i have never paid my account late my mortgage payment is on auto pay. on XX/XX/XXXX i received a notice my account was reporting 30 days late on my XXXX credit report. I contact PHH mortgage and they responded that there was an increase in my mortgage by XXXX dollars due to escrow increasing. there was no reason for the increase and i recently changed my home owner insurance to decrease my escrow. As i understand it correctly they have been charging late payments and placing my account in an escrow account forcing me to pay interest on money they received due to the increase i spoke with the escalation department was informed they would investigate and to call on XX/XX/XXXX to have a resolution. i call the number provided XXXX and spoke with the escalation department. left two messages with XXXX ext XXXX as instructed and have not received a response or a correction on my mortgage statement or credit reporting. i demand this error be corrected immediately and credit me back any interest that was charged on my mortgage. i demand a breakdown on the reason my escrow has increase and my credit report updated to reflect never late. spoke this morning to escalation department and was denied a correction. I was given a email to resolve this issue and feel they are wasting my time. my next step will be legal actions. they are forcing me to pay money that is not due and increasing my obligation on analysts they claim is correct, without any type of breakdown or proof or consideration i paid every month on time
Product: Payday loan, title loan, personal loan, or advance loan

ECP has been saying I haven't been making payments and they know they double take my payments and pull out the pay/funds when XXXX money or little money in the XXXX account. 
I have a proven history of always making payments of not early on time. XXXX says ecp has a tendency to tell customers " did not receive payments " even they did to extract more money
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX is listing my date of birth wrong on my TransUnion credit report. 
It is listed as : XX/XX/1961. This is NOT my correct date of birth.
Product: Credit card or prepaid card

I have a XXXX XXXX. Some time ago I did a balance transfer to that card of about {$7000.00} at XXXX percent interest until XX/XX/XXXX. I also had some purchase balance on the card. I started paying extra in XXXX to pay off the higher interest purchase balance. When I looked on my statement this month I noticed that the transfer balance had been reduced instead of the purchase balance, which is at a higher interest rate. I called the company today ( XX/XX/XXXX ) and asked them what wash going. They told me that they always apply payments to the higher interest rate first. I told them that it was my understanding that the law required them to apply extra payments to the higher interest rate. The representative told me that she had never heard of anything like that. I did some research and found that under the Credit CARD XXXX of XXXX they should have applied the extra payments to the higher rate first.
Product: Debt collection

Debt was originally held with XXXX. 

XXXX transferred debt to : UHG I, LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX on XX/XX/2019. 

On XX/XX/2019 I recieved a message from XXXX and XXXX XXXX, a debt collector with website https : //XXXX/ and phone number ( XXXX ) XXXX. 

The voice message transcript recorded at XXXX XXXX from them to my voicemail was as follows : Hi yes I'm looking for XXXX XXXX, XXXX my name is XXXX XXXX Private Career so I'm trying to make contact with you in regards to some documentation they actually are legal documents I'm scheduled to issue out to you I a.m. scheduled out in the jurisdiction on Monday afternoon. Now because these are legal documentation that you will need to have a valid form of ID your signature will be required at the time of service. The office that has required the service they also do require that contact be made with you at your place of employment. Your employer will need to be notified of my attempts to make contact with you at work tomorrow. Questions, concerns or if you're not gon na be available or if you do need to reschedule contact the filing office as soon as possible at XXXX case number sir is XXXX On XX/XX/XXXX I contacted my attorney 's office this message left on my phone was a " scare tactic '' and that the lady who left the message was not a process server, nor was any legal documentation on file in my county or any other. Further more, their scare tactic to notify my employer was far outside of the scope of fair debt collection. 

I then, also on XX/XX/2019 contacted XXXX XXXX and XXXX to inquire about the message left. The lady who answered the phone refused to give her name, however after verifying my identity said that due to the outstanding XXXX debt, they are " serving me '' for fraudulent taking a loan and for " bad checks ''. Yet another scare tactic. 

I kindly asked them to not call me, but rather to contact my bankruptcy attorney XXXX XXXX at ( XXXX ) XXXX. I was told thank you, and that was the end of the conversation. 

XXXX and XXXX I believe to be an illegitimate attorney office, who threatens to notify employers, as seen in the transcript. They also pretend to be official process servers, and even threaten legal action. Very intimidating. 

I am in the middle of a Chapter XXXX, with XXXX being included as a debt to be discharged under bankruptcy, and the communications I recieved were very wrong.
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. 
XXXX account # XXXXXXXX XXXX XXXX XXXX Account # XXXX Has Violated my rights XXXX XXXX XXXX  Account # XXXX Has Violated my rights XXXX  Account # XXXX Has Violated my rights XXXX XXXX XXXX Account # XXXX Has Violated my rights Account Status, Date open last reported date, payment status, date last active date of last payment here are just a few ways I was taken advantage of but id you will read the list below are even more violations that effect Me the Consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S.C 1681 section 602 A. States I have the Rights to privacy.

15 U.S.C 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any 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 years 15 U.S.C. 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has reasonable cause to believe that the information is inaccurate Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

All of which has been Violated
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

A fraudulent card was opened in my name that I never applied for. Card balance is at {$10000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a certified letter to Bridgecrest Credit Company requesting copies of the authorized legal notices and proof of the commercially reasonable manner of the resale regarding a XXXX  vehicle that is being reported on my consumer report. The certified letter was delivered to the company on XX/XX/year>. According to North Carolina 's UCC G.S. 25-9-615 and G.S. 25-9-616, as well as State RISA and MVISA regulations, asserting a deficiency depends on providing all mandatory notifications on time and strictly adhering to permissible redemption and cure periods. The company has 14 days to provide me with the requested documents, which they did not. In my letter, I provided them with XXXX ( XXXX ) unique points of data with which to verify my account and provide the documents, those being my full name, account #, and VIN # for the vehicle in question. I am filing this complaint as I have not been provided with these documents.
Product: Credit card

This card was apparently opened back in XXXX I have been reporting this as fraud since XXXX They will not send the original debt nor will they provide accurate or supporting information saying that I opened this account. I have been a victim of identity theft before.
Product: Credit reporting or other personal consumer reports

The Following inquiries were made on my account without my knowledge. I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX and noticed some things are not accurate. The List of Hard Inquiries below has hurt & violates my credit score & According to XXXX XXXX XXXX, Consumer reporting agencies are suppose to assure maximum possible accuracy according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

XXXX  Inquiries Reported XXXX XXXX, XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by XXXX XXXX XXXX XXXX Reported XX/XX/XXXX by XXXX XXXX Reported XX/XX/XXXX by XXXX XXXX Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by XXXX XXXX
Product: Debt collection

Disputed this account Several times over 2 years but always come back verified even if the account is not 100 percent accurate when XXXX  say the account is under collection & TransUnion say the account is Open, which is inaccurate and a violation under the FCRA & FDCPA Account Name : XXXX  XXXX  XXXX XXXX XXXX