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

I am disputing the XXXX XXXX XXXX entry on my credit report for violation of the FCRA and California State Law. This information has not been reported correctly nor has it be updated correctly. It states the date of last activity is XX/XX/XXXX on Experian and on XXXX it states the date is XX/XX/XXXX. Experian shows the account as Open and XXXX shows it as Derogatory, these are inaccurate entries. Experian also shows the last payment was XX/XX/XXXX and XXXX shows the last payment as XX/XX/XXXX again these are both inaccurate entries and in violation of the FCRA and California State Law. The vehicle was in a non-driving accident hit by a Truck while parked and covered by Insurance once deemed it was a total loss. 
This item must be removed from my credit report immediately due to their clear violations of the FCRA and California State Law, this is Fraud!! I am sending a copy of the credit reports for both Experian and XXXX to verify the fraudulent entries on my credit report. I request immediate removal of this item off my credit report.
Product: Credit card or prepaid card

I was notified in XXXX by Synchrony that a charged was placed on the XXXX/XXXX  Live/name-of-the-moment card I had with them. I did NOT place any orders and did not receive any items. 

Filed a fraud claim with them, which they rejected multiple times, claiming product was delivered. I disputed this, stating I neither ordered nor received anything. As requested by them I filed a police report and signed an Affidavit of Fraud ( and got it notarized ) saying I did not order nor receive anything.

Despite multiple rounds of appeals, company is still claiming I received goods and is refusing to honor the fraud claim. I have complied with all of their steps ( 4 separate rounds! ) to get this fraud processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XXXX of this year, I noticed that my credit scores plummeted after I requested an old account be removed from my Equifax credit report. Instead of following the requests of my dispute, the credit bureau took it upon themselves to file a false dispute. In which they claimed that I filed a dispute requesting that they update my old car payments because they were reported incorrectly. This is false information. I initially filed a dispute with Equifax, simply insisting the account was too old to be on my credit report, requesting that it be removed, because it was still showing it as being opened, which its been closed since XXXX. The company XXXX XXXX XXXX has been on my report since XX/XX/XXXX ( almost 10 years ), and according to law, consumers can request items be removed from their report that are over 7 years old. Instead of following my dispute, they requested all old late payments from XXXX XXXX XXXX be updated on my credit report, which is what caused my scores to drop on all three of my credit reports, also causing the lifespan of the account to start over. I went into a branch to verify why XXXX reported these old payments, and was told that Equifax requested this information after receiving a dispute from me. The representative I spoke with also informed me that this starts the reporting process over.
Product: Mortgage

I surrendered the property at XXXX, XXXX VA XXXX in XX/XX/XXXX during a modified bankruptcy plan. Bank of America never transferred ownership after my bankruptcy was dismissed. This is hindering me from purchasing a home and is holding me accountable for anything associated with the property ( grass, trees, etc. In XX/XX/XXXX they sold my loan to XXXX Mortgage who is currently trying to collect payment.
Product: Debt collection

I see a credit collection account from Credit Collection Services ( XXXX ) on my credit report saying i owe {$61.00} from XXXX. Now this is the first im hearing of this so i asked them for paperwork which they refused to send me. This doesnt make any sense because i used to pay the car insurance on a bi-monthly basis so why would the amount be {$61.00} it doesnt make sense. i let my insurance expire and i switched companies. This collection account caused a XXXX point drop in my credit score and is really hurting me.
Product: Debt collection

For a few years I have been disputing the same collections account from several different collection agencies for debt XXXX says that I owe, but is not accurate. I won the dispute the first few times from all three credit bureaus, but the debt keeps getting updated by different collection agencies, now, two different collection agencies appear on my credit report. The collection agency on XXXX is Enhanced Recovery Company and says the account was opened on XXXX, but I didn't receive any notice until XX/XX/2023 when my credit scores changed, before this account updated the collection agency was XXXX XXXX and I disputed it last year, finally in XX/XX/2023 it was taken off only to be replaced by Enhanced Recovery Company in XX/XX/2023. XXXX XXXX is reported on XXXX, so I have two different collection agencies reporting the same debt that has been disputed several times, but still keeps on coming back and shouldn't. XXXX so far has not reported this debt since the last time I won the dispute. This account from XXXX was closed almost 4 years ago and because of how my account was treated the customer service rep at the time said I do not owe a balance, I had spoken with other reps that said otherwise, but this company is only going to share favorable info, but they do have a recorded conversation between me and the customer service rep that closed the account at the time. I have good credit and pay my bills, if I owed this debt and the XXXX was fair in their judgement I would've paid this debt back then, at this point it is just wasting time. How can I resolve this so the debt does not keep on coming back on my credit report? I need your help to the resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 
CONVERGENT OUTSOURCI Reported : XX/XX/2019 {$140.00} There is no contract, no valid claims ... account was settled with original creditor ( XXXX ) and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting or other personal consumer reports

I asked Equfax to renew my seven year faud alert on my credit report which I have had on said report for almost 30 years. They told me they have new " policis '' and I would have to incude a copy of my driver 's license and social security card via mail in order to do this. They also said I would need to submit ( again, as I have done this both 7 and 14 years ago wehn I did other renewals ) the police report from back in the early XXXX that I filed on the fraud that happened to me. The small, local police force to whom I reported this fraud in XXXX or XXXX no longer has the report. They don't keep small items like this for over 30 years. They don't have their own server ; they don't use " the cloud '' ; they aren't a wll funded large urban police department. I explained this to Equfax ; they said that was not their concern. If I couldn't give them a police report ; they couldn't renew the fraud alert. They already have the fraud report from 7 years ago and 14 years ago! Can't they use them?! They are discriminating against me becuase I reported the fraud to my small local police agency! Apparently they only will pprotect identity fraud victims who reported to well heeled police agencies wo can afford to keep every small report in perpituity?! That reeks of discrimination ; espeically since they have the report already!! Just go look it up! I know that when the seven year fraud alert runs out, I'll be the victim of identity fraud again becuase the thief or thieves were never caught. Equfax has much too much leeway and authoirty ; the federal government needs to prohibit them from this type of blanket refusal. Why do I have to suffer again from identity fraud because I live in a rural area with a local police force that doesn't have lots of funding to keep records forever? Please make them renew my seven year identity fraud alert on my credit history. 

You should also know that both XXXX and XXXX gave me copies of my credit rerot and renewed my fraud alert seven years without requiring me to have either a police report or having to give them my social security card and driver 's license. What is the problem with Equfax?!
Product: Debt collection

Upon careful examination of my recent credit report, I identified several accounts that I suspect are inaccurate and were included without my awareness.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$200.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$200.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$200.00} XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

On XXXX/XXXX/XXXX, I noticed that one of my checks ( # XXXX ) had been debited from my account for the second time on XXXX/XXXX/XXXX. I called SunTrust fraud department to let them know and explain that the check was dated XXXX/XXXX/XXXX and was already paid on XXXX/XXXX/XXXX. They opened XXXX # XXXX. 

On XXXX/XXXX/XXXX, I noticed that another check ( # XXXX XXXX on a different account had been debited from my account for a second time on XXXX/XXXX/XXXX also. This check was dated XXXX/XXXX/XXXX and was already paid on XXXX/XXXX/XXXX. I called back to SunTrust and explained all the details above and that I needed for these checks to be returned either as duplicates or stale-dated items and my funds returned to my account immediately. They started a fraud claim XXXX. They informed me that I should have the funds back in my account with 2 business days. If more information was needed, they would contact me within 15 calendar days. 

Additionally, I went to the XXXX XXXX office on XXXX/XXXX/XXXX and was unable to resolve or get funds credited back to my account. Again, I requested the funds to be returned to my account and the request was denied. 

After being given wrong information from the various customer service personnel - being told that it does n't matter how old the checks are and that the funds had not previously cleared my account, I am not sure that they are aware of how to return checks or fix their error. 

I do not know what else I need to do to correct this problem. I feel that I should have the funds back in my account as I have proved to them that they were previously paid and can not understand why there is such a delay in correcting the bank 's error on my account. I am concerned that this may happen again in the future while they are taking their time in crediting my account back. I am trying to close these two accounts, but do not want to close them until my funds are returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Oportun ( formerly known as Progreso ) at both addresses listed on my credit reports ( one in XXXX XXXX, CA and the other in XXXX, Tx XXXX. I wrote several letters requesting validation that I still owed {$230.00} XXXX according to my XX/XX/credit reports which showed a charge off and recently that amount increased to {$250.00} - as of XX/XX/XXXX ). 
The company did not respond in a timely manner. First letter sent certified mail on XX/XX/XXXX, second XX/XX/XXXX, third XX/XX/XXXX. I received a response with no validation on the balance owing, a request I made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act. 

I sent a request to both XXXX  and XXXX  on XX/XX/XXXX and never received a response. 

Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$470.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$6500.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting 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 XXXX XXXX Reported on XXXX XXXX XXXX  Account number XXXX Amount XXXX collections collections XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$4000.00} collections XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$690.00} collection XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$680.00} collection XXXX XXXX Date opened XX/XX/XXXX Balance {$680.00} collection
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 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 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 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 a 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 records of convictions of crimes which antedates the report by more than seven years.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a sale on the Mercari site for the amount of XXXX. After selling fees. On XX/XX/XXXX I tried to transfer the funds instant pay to a XXXX XXXX account but the transaction was declined. XXXX XXXX would not accept the transfer. Mercari depleted my account and never returned the money due to me. I contacted them multiple times and even the XXXX XXXX XXXX. I confirmed with cash app they didnt get the transfer but Mercari still kept telling me they dont have the money. They sent me messages saying thanks for your time but we dont have it. The stole my money after I sold my items in their site.
Product: Credit reporting or other personal consumer reports

XXXX XXXX WAS DEDUCTED FROM MY XXXX SCORE FOR ABSOLUTELY NO REASON. AND THAT IS UNFAIR UNDER THE FCRA. RECEIVED AN ALERT FROM EXPERIAN THAT THERE WAS A NEW INQUIRY THAT RECENTLY TOOK PLACE ON MY CREDIT REPORT. BUT THAT MESSAGE IS ERRONEOUS. FOR, EVERY REPRESENTATIVES THAT I SPOKE TO FOUND EVERY OTHER ALERTS THAT WAS SENT TO ME FROM THEIR SYSTEM. BUT NOTHING REGARDING THE MESSAGE IN QUESTION. SO, I KNOW IT IS AN ERRONEOUS MESSAGE THAT MUST BE RECTIFIED. UNDER THE FCRA YOU CAN NOT TAKE AWAY POINTS FROM ANYONE 'S SCORE WITHOUT PROOF OF THE INQUIRY. INQUIRIES SHOW UP ALMOST INSTANTLY. IT IS GOING ON XXXX WEEKS AND I'M STILL WAITING ON THAT INQUIRY TO SHOW UP ON MY CREDIT REPORT -- -- -- -- -- -- IT HAS YET TO APPEAR. THAT IS WRONG. THERE ARE LAWS THAT PROTECT CONSUMERS AGAINST THOSE TYPES OF UNNECESSARY DEDUCTIONS OF ONE 'S CREDIT SCORES. PLEASE! RECTIFY THIS SITUATION, AND I WOULD LIKE TO HAVE THIS MATTER RESOLVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XX/XX/2022 {$420.00} # XXXX XX/XX/2022 {$200.00} # XXXX XX/XX/2022 {$5300.00} # XXXX XX/XX/2022 {$490.00} # XXXX XX/XX/2022 {$1200.00} # XXXX XX/XX/2022 {$300.00} # XXXX XX/XX/2022 {$5000.00} # XXXX XX/XX/2022 {$1600.00} # XXXX XX/XX/2022 {$170.00} # XXXX XX/XX/2022 {$96.00} has violated my rights. 

15 U.S.C. 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 reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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

XXXX XXXX  XXXX XXXX {$3700.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized credit checks that have been reported on my account without my knowledge or consent of running an inquiry, I believe I have been a victim of identity theft. 

Capital one with finance ( XXXX ) Capital one Bank ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) I did not authorize or give permission for this credit pull for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 loans from XX/XX/XXXX-XX/XX/XXXX have been paid and still show up on my credit report. I have late payments on current loans in XX/XX/XXXX and XX/XX/XXXX in which was deferred as I was a full time student
Product: Mortgage

I am in the process of building a home with Envoy mortgage company in NC, and it has become a nightmare. When the time came to get the finishing apprasial, Envoy instead of having the same appraisal company go out when construction was about to be complete, they sent a whole new appraisal company out to do the second appraisal. The difference from the first appraisal and second is {$28000.00}. They said they use a third party and have no control over if they send out the original appraiser or not. 
I can not come up with that kind of difference and so the builder has to stop construction on the house to control their loss litigation. The Envoy mortgage basically has thrown their hands up and not taken any responsibility to finish the process they started with me. SO they got me into a high interest only loan to purchase my land and build a house and now they will not finish the job and complete my final mortgage. I 'm in jeopardy to lose my land, the new house that I have already invested thousands to build in the first place, my credit, oh yes and my family will have no place to live. I would never have put myself in this position if I had know that something like this could even happen and Envoy mortgage company basically just quits when they created the situation by using XXXX different appraisal companies. Now the mortgage lady XXXX wo n't even return the builders calls and we struggle to get resolution.