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

The Fair and Accurate Credit Transactions Act Section 1681g ( e ), which requires that if a business has provided credit to or entered into a commercial transaction with a person who has allegedly committed identity theft, then the business must provide a copy of certain records upon request to ( a ) the victim of the alleged identity theft or ( b ) any law enforcement agency or office authorized by the victim to receive the records. 

I requested over six times for XXXX XXXX to provide records for accounts ending in XXXX and XXXX under Section 1681g ( e ), and they have willfully failed to do so. Therefore, I am authorizing this Office to receive the records, and provide the records to me. I have conveyed to XXXX  XXXX that I suspect to be a victim of identity theft and that they are allowing the reporting of inaccuracies on my credit file through a third party junk debt buyer collector XXXX XXXX and LVNV Funding. XXXX XXXX misrepresented the truth by stating that they removed the debt from my credit file. However, credit reporting agencies have recently verified the debt.
Product: Payday loan

I went to this loan company and i took out a {$600.00} dollar loan the man took my app and i gave him my info i am on social security i told him to please keep the payments low he said he will so when i went into pay my 1st payment it was {$110.00} dollars i asked the lady why was it that much she said that i was not suppost to be on a installment loan that it was moved to a payday loan i asked her when the man was that i needed to talk to him she told me that he was not working with them anymore so i asked her to keep the payments low she agreed but on my 2nd payment it was not bad at all it was {$70.00} so when it was time to pay my 3rd payment i was really upset they wanted me to pay {$90.00} and i did offer them the {$80.00} dollars but they refused to take my payment and not they say i owe each day a late fee of {$35.00} dollars. I am on a small income i told them and they sad that it was my problem, They call me many times a day and on the weekend non stop back to back calling they even call me from their own cell phones they said that i have no legal rights but what gives them the right to change my personal installment loan over to a payday loan this is so wrong. when i talk to them on the phone they are so hate full talking to me. What Rights do I have, Thank You.
Product: Debt collection

I'm just trying to get this account validated from LVNV funding, if I owe them that's fine just sent me some validation I've sent a total of 7 letters to both XXXX  and LVNV and I have yet to seem to get this account validated. the dates are as follows XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have all of them saved for my records.
Product: Debt collection

I have a XXXX bill that says {$84.00}. I have no idea. I have never been contacted about this debt. I would 've paid it. I do n't know the reason for this debt. I am not interested in paying someone else 's bills. The service being asked to paid for was n't being used by me.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt reflecting on the account Number : 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. I have attached verification that this debt has been XXXX and Experian has failed to properly delete these ( 4 ) accounts from my consumer profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to all three credit bureaus requesting that they investigate errors that appeared on my credit report. I had no problem receiving a timely response from XXXX and XXXX XXXX, but Equifax still has not responded. They are supposed to respond within 30 days, but we are now going on 3 months without any response from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian reports are incorrectly showing a collection from XXXX   acct # XXXX.
Product: Money transfer, virtual currency, or money service

An internet scammer broke into a XXXX XXXX XXXX 's e-mail account and started sending requests to clients for money 'because the lead guide is very sick and needs help with medications. ' The info the scammer provided for the transfers is with the Bank of China in XXXX. I checked through another channel and determined what happened and sent no money, but someone else did - and lost {$2500.00} about a month ago. I called the Bank of China branch in XXXX XXXX and reported it today, asking them to shut down the account, which is based in mainland XXXX. The agent said no can do. You see, BOC is a big company and they could n't possibly figure out who to contact about that. She said it was better to just file a police report. I ask the obvious : Wo n't the cops just call you and ask for the same? She replied 'maybe, but we ca n't help them either. ' Here 's what the scammer sent to me on XX/XX/XXXX after I heard my XXXX guide and his family were sick and asked about their welfare via the compromised email account : " Dear XXXX, Thank you for your kind message and we are happy to hear that XXXX got out of XXXX successfully. And yes i receive the money XXXX sent to my XXXX bank. And am not very OK as i have been very sick since the past month and some of my family members because are very sick and we do n't have enough money to receive medication and i just came back from village yesterday. Things are a very difficult for us now and with a little help from you we can get through it my friend. We really are grateful to every help you have given to us we owe you are lives and me and my family are thanking you. <P/>Any amount you can send to us will go a long way to solving our issues here. <P/>This is my agent XXXX bank account below with XXXX XXXX  details also and i suggest XXXX XXXX will be faster and more easier, but whichever one is easy for you we accept in good fate. see account below. <P/>Beneficiary Address : No XXXX XXXX XXXX XXXX XXXX Account No. : XXXX Beneficiary Bank Name : BANK OF CHINA XXXX XXXX SUB-BRANCH Beneficiary Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Swift Code : XXXX I also suggest you use XXXX XXXX as it is more faster and we can receive on time. see our agent XXXX XXXX
details also. First name : XXXX LAST NAME : XXXX. CITY : XXXX. COUNTRY : XXXX ADDRESS : No XXXX XXXX XXXX XXXX XXXX Awaiting your kind response. my prayers for XXXX to get well and strong XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX : XXXX, XXXX, XXXX Tel : +XXXX XXXX XXXX Fax : +XXXX XXXX XXXX Cell : +XXXX XXXX XXXX Mail : XXXX???????? XXXX Web : XXXX '' The bank information is the scammers. The other company information is genuine.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXXXXXX XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX  | XX/XX/XXXX : Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX | XX/XX/XXXX : Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX | XX/XX/XXXX : Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the inaccurate reporting of several accounts on my credit reports across the three major credit bureaus ( XXXX, XXXX, and Equifax ). These discrepancies violate multiple sections of the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation and correction of these issues. 

XXXX XXXX : There was no notice of dispute provided, in violation of FCRA Section 623 ( a ) ( 3 ). 
XXXX ( The Bank XXXX Missouri ) : The account was deleted off Equifax but remains on XXXX and XXXX, without proper dispute notice, violating FCRA Section 623 ( a ) ( 3 ). 
XXXX XXXX Bank : There is an account on XXXX with a balance of {$1200.00} and an open date of XX/XX/XXXX that was not deleted. Additionally, there was no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ). 
Another XXXX XXXX Bank account is listed on all three bureaus with a balance of {$1600.00}, no notice of dispute, an open date of XX/XX/XXXX, and inconsistent payment history. This account has also been re-aged, violating FCRA Section 605 ( c ) and FCRA Section 607 ( b ). 
XXXX XXXX : No notice of dispute was provided, in violation of FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged by over a year and is still listed on XXXX and XXXX, violating FCRA Section 605 ( c ).

Equifax is showing a late payment on a collection account, which is improper. 
XXXX XXXX XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged by two years, violating FCRA Section 605 ( c ). 
XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged and there is inconsistent payment history across the three credit bureaus, violating FCRA Section 607 ( b ) and FCRA Section 605 ( c ). 
XXXX : Only listed on XXXX with no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ). 
XXXX XXXX Bank : Another account is listed on all three bureaus with a balance of {$1600.00}, an open date of XX/XX/XXXX, no notice of dispute, and inconsistent payment history. The account has also been re-aged, violating FCRA Section 605 ( c ) and FCRA Section 607 ( b ). 
XXXX XXXX XXXX No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The payment history is inconsistent, and the account has been re-aged, violating FCRA Section 607 ( b ) and FCRA Section 605 ( c ). 

Please find attached copies of my credit reports from XXXX, XXXX, and Equifax, highlighting the discrepancies, as well as any correspondence related to disputes Ive filed directly with the credit bureaus and creditors.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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: Prepaid card

I was gifted a {$100.00} American Express prepaid gift card a few years ago, but it was temporarily misplaced. When I found it and tried to use it, it would not work. I contacted American Express and they said it was sent in as unclaimed property and I would have to submit an escheatment claim. The date printed on the card indicated funds are good through XXXXXXXX XXXX XXXX so I do not understand. They further said that I needed to send in a copy of my drivers license to an email address. I explained that I am not comfortable with that lack of security and just want the funds unlocked. They just keep repeating that I need to send personal information in via an email address. 

I can not find anything on American Express 's website or any FAQ page stating that this happens so I don't even trust that it is a legit person replying to my issue there.
Product: Money transfer, virtual currency, or money service

I messaged cash app after my stocks were illegally sold without my permission. I assumed I had been hacked and found out my account was closed for a violation of Tos.

I had not been logged into cash app for over a year now and can prove I have not. I had tried multiple times thourgh out the day to get the steps of an appeal process. However have been meet with we can not help you further on this issue. I called today as directed by the chat specialist and got the same answer. I am unsure how someone whose never logged in or used the funds or have been paid by anything that violated there tos or fair use procedures. I should not be in trouble or have my things illegally sold when I am not logging in every day.I should also be able to easily find the appeal process for something like this.
Product: Debt collection

I don't understand why this debt exists and need to know more details in order to determine if the debt is valid. It's a medical debt from XXXX XXXX in XXXX, Fl. The collection was opened on XX/XX/2020 in the amount XXXX This stay was due to an involuntary 72 Hour hold through the Backer Act. I'm considered indigent for the purposes of the 72-hour hold and The State Should have been billed for this hold. 

I'm also a Medicare recipient and would have had a Medicare XXXX XXXX and depending on the date may have had medically needy Medicaid. It's extremely unusual that I receive hospital bills outside of my co-payment. 

So I'm requesting the creditor provide the following information. 
1. The Date of the Hospital stay. 
2. The names of the Providers if applicable 2. what insurances were billed Billed including State or Local programs. 
3. a copy of the claims that were submitted to the Medicare plan that clearly shows the Diagnosis codes and CPT codes a copy that shows what the insurer paid. 
4. I also need to know who the insurer found Liable for the claim or the remainder of the claim as described in the Medicare billing processing Guide XXXX plans need to follow. The provider should have received this from the insurer. 
or 5. The insurer 's own policy must provide at minimum the same protections granted by Medicare, these policies if they had one in place would have had stricter procedures in Billing patients directly. 


I wish I could Provide the name of the insurer, But I usually change XXXX Plans every year and need the admitting to date to identify the Plan in question. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$960.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account # : XXXXAccount Status : COLLECTION Date Opened : XX/XX/XXXX Balance : {$200.00} According to Cushman v Equifax 1997 , Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX  Equifax Account # : XXXX Account Status : COLLECTION Date Opened:XXXX Balance : {$580.00} According to Cushman v Equifax 1997, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!
Product: Credit card

Between XXXX of XXXXXXXX & Now ( XX/XX/ ), tried to secure a payoff amount to consolidate debt. Synchrony has refused to provide this amount to me or my lending institution. This delayed my attempt to close on the loan, so in order to continue with the process. Official letters were sent by an attorney, mailed certified 1st class XXXX, to Synchrony bank & they were instructed to pay them off & close both accounts. Now the accounts are still open ( with a balance of course ). They are harassing me daily, via email, phone calls & text messages. In an attempt to extort more money from me and to continue to charge me late fees in the process.
Product: Mortgage

As briefly as possible : 1. I am the personal representative for an estate.

2. A property in the estate had its mortgage transferred to Select Portfolio Servicing ( hereafter referred to as SPS ) 3. They sent me all the documentation on taking over on servicing the loan and originally were sending every statement to the estate c/o me at my home address 4. They stopped sending statements 5. When I called them they said I was not authorized on the account and couldn't speak to anyone.

7. I was given an email address ( XXXX ) which I was to correspond with. 
8. I asked via this email address and by phone if there was a secure method to get the lender documentation of my involvement with the account and proof that I should be authorized to deal with them on it.

9. My mother in law who is an heir of the estate started receiving my notices 10. After months of stonewalling and un-cooperative behavior from SPS, we refinanced to get out of dealing with them. The loan was closed in XXXXXXXX XXXX XXXX. 
11. I had to provide extensive documentation to both secure another loan as well as get title insurance.

12. In the end, SPS decided to send the escrow balance to the property address instead of my address.This address is a log cabin with no mailbox and the mail would have been returned almost as soon as it was sent as undeliverable. 
13. I called and requested that they reissue the check to the same address they were previously sending statements to, and I even convinced one representative to.go back and look and they were able to verify that my name and address appeared on the statements until XXXX XXXX XXXX. 
14. I have called repeatedly. I have provided all known documentation including my certified papers of personal representative, a certified copy of the will, certified copies of death certificates. 
15. I have never received any follow up communication from SPS. 

I have never had this much difficulty dealing with a mortgage lender in my life and I have had dealings with at least eight other lenders in my lifetime.
Product: Credit reporting, credit repair services, or other personal consumer reports

are results of identity theft. These items are not related to any transaction completed by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was approved for my Capital One Secured Card on XX/XX/2017 after speaking to several representatives on ways to increase credit score and what is the best card as well as options credit limits and so on. I recently inquired about my Secured Card in an attempt to get a credit limit increase and upon process was informed that it is impossible. I was also informed that I had 80 days from approval of card to put through a credit limit increase. I also inquired about the deposit ( {$49.00} ) that i had put down for the limit of ( {$200.00} ) and was told that they would look into me getting my initial deposit back due to great behavior. I have never missed a payment on this Secured Card and have had another credit card with Capital One for over 6 years. I am contemplating closing this card down and would hate to and would want to find a solution. Thank you.