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

My information was leaked in the Equifax data breach, I have multiple unauthorized inquiries on my Equifax report that I have been requesting to get removed. These inquiries are fraudulent. I have followed all the necessary steps according to the Equifax website and the identity theft.gov. Made a police/identity theft report, sent in proof of identity by mail, etc. Equifax refuses to comply with the law and initiate a thorough investigation on my credit profile. I have sent in multiple letters with supporting documents and proof. I spoke to an Equifax rep over the phone and he says that they haven't received any letters since XXXX of XXXX. My letter ( s ) regarding this matter, was sent in XXXX and in XX/XX/XXXX. It is the end of XXXX and I still have not received no update or notification of an investigation. This is unacceptable, and it is effecting my credit worthiness in the middle of a pandemic. I demand that you delete these inquiries at once!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

issue with my medical privacy now!!! violation!!! 
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report on XX/XX/22 via XXXX and I have noticed that there are inquiries listed on my credit report that I am unaware of and did not authorize. 

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
Product: Debt collection

On XX/XX/year> I received a small claims notice for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have reviewed my credit report and do not have any collection accounts for the amount stated on the claim and do not have a credit card for the account on the claim either. My name has been changed to XXXX XXXX for XXXX years, and have no clue what this is and why I am being sued.
Product: Debt collection

XXXX XXXX XXXX XXXX regularly employs dishonest, unethical and illegal practices to run their business. They obtained a judgment on a {$2500.00} debt and inflated it to XXXX, falsely " served '' me at what they claim was my place of employment which was a county office address 75 miles away from me that I have never visited nor worked for. Completely falsified service!!! They continued to inflate the amount due over a 10 year period before I became aware of it through a letter from my bank. 

When I learned about this from a bank levy in XX/XX/2016, I contacted them about it and they threatened me with more legal action, would not negotiate, and even bullied an attorney I asked to call them as a favor to me to find out the particulars on the issue. 

Every attorney I spoke with is familiar with this company which has a very bad reputation for doing exactly what they did to me - using illegal means to obtain judgments. The owner XXXX is described by one attorney to be " the scum of the scum of collection agencies. '' NOTHING can be done legally to give me justice, the attorneys told me. According to the law, the judgment should be set aside since they employed illegal means to obtain it, yet I was told I would receive no justice from the courts and would be forced to file bankruptcy which I did not wish to do. 

I am not interested in you contacting them about my debt as there is nothing that will help at this point, but I would like you to pursue shutting them down and putting them out of business. A company that operates through illegal means shouldn't be allowed to continue to victimize people and destroy them financially.
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. 

XXXXXXXX XXXX Account Number XXXX and XXXX XXXX Account Number XXXX has violated my consumer 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

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

I was reviewing my credit report and notice XXXX pulled XXXX credit reports back-to-back without my knowledge and consent in XX/XX/XXXX & XX/XX/XXXX and this error is affecting overall credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint against XXXX XXXX They have repeatedly violated my rights and the Fair Credit Reporting Act. I submitted a formal request for information, which was perfectly within my rights to do, and yet, you have failed to send that information. They send follow up questions about what account I am referring about. Since their letter states that they've actually received my dispute from the credit bureaus regarding this account, then they must already have my social security number, my full name, as well as the full account number and any other pertinent details for this item in which they allege I owe or else they wouldnt be reporting it. 

They have only provided some of the information requested which leaves a lot of gaps and holes in what I need to know. The little bit of information you sent has only led to more questions for me.
Product: Checking or savings account

For over five months I have been trying to closed my account with TDbank, I called customer service several times asking them to close my account but they advised me they can not close it over the phone and I will need to visit the bank for me to close my account. I have since visited three different branches and was told that all account was closed with a XXXX balance, I requested written verification showing the accounts are closed but they advised me they are unable to give me such a letter and instead they continued to send me harassing letters requesting maintenance fees and recorded messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are horrible. Everyone is at their mercy and the fail to meet demands for the industry. 
They continue to not update information. 
They continue to NOT review supporting documentation. 
They websites continue to NOT work and one can not upload any data. 
They are NEVER available on the phone. 
They are ALL only interested in the consumer subscribing to their services. 
They charged 2x for the same service in a single billing cycle and not reimburse. 
There has to be a better way, especially during this pandemic and beyond. 
IT is absolutely ridiculous that we are all at the mercy of credit bureaus that have never ending data breaches and continue to hold outdated and false data. 
I believe the banks and creditors must be giving them a kick back. 

HORRIBLE HORRIBLE HORRIBLE.
Product: Debt collection

I don't know this company. I have ask to properly verify debt according to texas laws. If this is a collection agency I am requesting thr name and address of the original creditor, the original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, The original balance, signatures showing I am liable and responsible for this debt The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101
Product: Credit reporting or other personal consumer reports

I am writing to request specific information regarding my account, [ XXXX ] I am particularly interested in the hollowing details I may be a victim of identity theft and trying to make sure this account is mine and accurate
Product: Credit reporting or other personal consumer reports

There are several inquires that are on my credit report that were done without my consent.
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened an XXXX  XXXXSynchrony Bank store credit account to purchase {$3900.00} in merchandise from the XXXX XXXX XXXX Store, I made the purchase on a XXXX   month interest deferred plan, to expire XX/XX/XXXX. I setup my account to pay automatic equal payments, no interest. 
On XX/XX/XXXX, I made an additional {$2300.00} purchase from the XXXX XXXX store on a XXXX month interest deferred plan, to expire XX/XX/XXXX. 
The entire monthly payments made were applied to the XXXX purchase until it was paid off leaving the XXXX purchase subject to interest. This is an unfair practice. I did not receive the promotional terms I agreed to. 
I am requesting CFPB to investigate XXXX XXXX/Synchrony Bank practices. Also, I am requesting a refund in the amount of {$910.00} for interest paid on this account due to their unfair practice. Thank you
Product: Checking or savings account

I sent three XXXX  payments to a company and bank member XXXX XXXX on XX/XX/year> ( amount of {$4000.00} ), and then again in XX/XX/year> in the amount of {$3500.00} and then in XXXX or XXXX of 2023 for {$1000.00}. I reported to my bank at the time ( Bank of America ) that I did not receive services for my money and that I need my payments refunded. Bank of America told me that there was nothing they could do on their end. All funds were sent from my business bank account. I have since closed this business account with Bank of America. I reached out to both XXXX and Bank of America for a refund and that was to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Late XXXX  Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Status Late XXXX  Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Status Chargeoff Past due amount {$420.00} Fraudulent Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  Status Chargeoff Past due amount {$1700.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Status Chargeoff Past due amount {$870.00}
Product: Debt collection

This is my 3rd time disputing this debt. XXXX continue to send to different collection agencies. This is not my debt. I do not and have never had an account with XXXX. Now Southwest Collection Systems is on my credit report for the exact same debt that isnt mine. My next step is to file legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account which XXXX said I owed XXXX dollars, I did not. I lost money on the account and they had owed me. Then, after the initial XXXX dollars was disputed XXXX made a hard inquiry on my account without my knowledge, which is illegal. Next they said they sold the account to Jefferson Systems LLC who can not be reached. XXXX would not offer details when asked when the account was sold as I have dates on my report which I could use to determine who did the hard inquiry. I dont even know if Jefferson Systems LLC is a real legitimate company as they can not be reached. 

The hard inquiry needs to be removed. I have already contacted both mentioned companies and contacted my credit check agency as well. XXXX needs to be held accountable for the money they steal from clients and small and large businesses alike. 

XXXX even erased my transaction history, to hide their tracks.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017, I submitted a transfer for {$200.00} to be picked up at a Western Union location. In XXXX, Michigan. I called Western Union to complain about the scam and receive a fraud case number and refund and they would not return the refund because The money was no longer in their possession
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Elevate Recoveries LLC XXXX XXXX XXXX XXXX. 
XXXX TX. XXXX Placed a fraudulent medical collection debt on my XXXX Credit Report. I have never been notified by the accuser that I am obligated to render service to any debt as is required by Federal Law. If I had been, I would have promptly disputed the debt as is my legal right and demanded full " Validation '' of the debt in question. Attention not to confuse legal " Validation '' with mere " Verification '' under the law as the demand of the former outweighs the latter. This alleged debt was never bought to my attention because it is invalid.
Product: Debt collection

This was for XXXX billing I vacated the house by XX/XX/XXXX and they have billed me for XX/XX/XXXX I closed the account before I moved out I called them and gave explanation and asked them why I was charged. I filled a dispute online but without any explanation on why I was charged they sent collection notice and added to my credit report. Till now I do n't know why I should pay this amount
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting outdated accounts and I have tried on several occasions to close them with no luck. The following accounts should be removed : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX Additionally, there are unauthorized inquiries on my report. Please remove them. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX
Product: Mortgage

Forthright Funding continues to practice predatory lending against vulnerable veterans in order to lure them into a VA loan that doesn't serve the customer but the business itself. Despite of requesting a removal from their mailing list, I continue to receive " URGENT VETERANS AFFAIR INFORMATION '' mails which contents do not back up their claim nor endorsed by Department of Veterans Affairs.
Product: Credit card or prepaid card

I am unable to access my account to make payments. The website gives me an error message : " Due to a problem with your account, you may not log in at this time. '' Previously the website would not allow me to make a payment or view statements. Now it isn't even allowing me to log in. Screenshot attached.

I believe this is retaliation from the company for reporting the previous problem to the CFPB.

This is after I already reported this issue to the CFBP in a separate complaint that was not resolved : The website for my account has not allowed me to view statements or make payments for the last several months. The company 's customer service is non-existent, inaccessible and non-responsive. The attached screenshot proves this. This has caused me to be late on several payments.
Product: Student loan

Spoke with MOHELA representative XXXX on XX/XX/XXXX to have my payments made under the administrative forbearance for the months of XXXX and XX/XX/XXXX applied to XXXX and XX/XX/XXXX per MOHELA email received on XX/XX/XXXX. I was transferred to XXXX in billing. XXXX put in my request and advised it could take up to XXXX business days to apply. My payment was due on XX/XX/XXXX. 

Called MOHELA and spoke with representative XXXX on XX/XX/XXXX as my payment was still not applied. She looked into the situation and told me it was still processing and if the payment shows as past due to not worry as it would be retroactive back to XX/XX/XXXX when I made the request. 

I logged into MOHELA on XX/XX/XXXX and noticed my account was placed in a forbearance. Called MOHELA and spoke with representative XXXX and XXXX XXXX. I was told I was placed in a processing forbearance until XX/XX/XXXX without my consent. I requested this to be removed immediately as the month would not count towards XXXX otherwise. I was told they could not guarantee it would count and that a request would take XXXX  days to remove the forbearance. I was then told it should be updated when the XXXX does the XXXX adjustment. I asked for a letter detailing this and I was told they could not provide one as this information was on the XXXX  website. 

I read the information to the supervisor and representative directly from students.gov regarding months in forbearance only counting for XXXX or more consecutive months and that would render this forbearance timeframe ineligible. I was told sorry, we can not do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern I want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX Opened XX/XX/XXXX ( {$710.00} ), XXXX XXXX XXXX Opened XX/XX/XXXX ( {$700.00} ), XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX ( XXXX ) BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

Hello my name is XXXX XXXX. Portfolio Recovery Associates , LLC has placed an account on my credit report that i'm not familiar with. I've filed a an identity theft police report, the case number is XXXX. The account number is XXXX the supposed balance is XXXX. The original creditor is XXXXXXXX XXXX XXXX & the Current Creditor is Portfolio Recovery Associates , LLC. 
I want this account deleted off my credit reports.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I mailed out some disputes disputing inaccurate use of my credit report to Equifax and I have not heard back from these companies nor received any mail updates regarding my consumer report. 

SEE ATTACHED DOCUMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with Discover Financial Services. There was an incorrect charge on my Discover card and since I do not use the card I rarely go in there to check. The charge led to multiple late payment fees and I finally got a notice in the mail. I checked the notice and immediately contacted Discover. It took a few months for them to settle the dispute and acknowledge that was a fraudulent charge. Discover did go ahead and reimburse the fees, brought the account status back to normal however they did not go back and fix my credit. Due to this incident, my credit was impacted and brought my FICO score down and after repeated calls, they have not fixed this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loancare # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that I should not have. I had paid this online and it showed that it went through when I did so, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.