23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate late payment reporting on my XXXX XXXX account with Equifax, and Equifax has failed to provide proper verification or a valid Method of Verification ( MOV ), violating FCRA 611 ( a ) ( 7 ). 

The account was paid in full and closed in XX/XX/XXXX, with a Date of Status reflecting this final positive update. However, late payments from XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX are still being reported despite XXXX XXXX guidelines requiring that the most recent status supersede prior derogatory marks. 

What Happened : Equifax has responded to my disputes with generic, non-substantive responses and has failed to provide detailed MOV as required by law. 
Despite multiple requests for clear verification of how the XXXX & XX/XX/XXXX late payments were verified, Equifax has not provided supporting documentation or valid justification for the continued reporting of these derogatory marks. 
Equifax continues to misapply the Date of Status, allowing outdated late payments to affect my credit score, despite my account being paid in full and closed in XX/XX/XXXX. 
Why This is a Violation : 1 Failure to Provide MOV ( FCRA 611 ( a ) ( 7 ) ) Equifax is legally required to provide detailed verification but has repeatedly responded without documentation or proper verification. 

XXXX XXXX XXXX Compliance Violation Date of Status Conflict Since the Date of Status is XX/XX/XXXX, Equifax is inaccurately reporting the account, allowing old derogatory marks to unfairly impact my credit standing. 

3 Failure to Properly Code Dispute as " In Dispute '' ( XXXX XXXX ) Equifax is required to mark the account as " In Dispute '' during reinvestigation, yet I have no confirmation this was done. 

4 Failure to Conduct a Meaningful Investigation ( FCRA 611 ( b ) ) Because Equifax has failed to verify the disputed information, the late payments must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

These are the accounts and their account numbers : 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 Account number- XXXX Please remove it from my credit report. 

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. Account name- 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 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.

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
Product: Credit card

I bought the XXXX XXXX and it didn't work on my tv. I asked for a refund and I'm having a hard time getting a refund. Please help. There's 3 people involved in this complaint : 1. 
XXXX the company that sold me the device XXXX, 2. The United States Postal Service that could supply a tracking number for my return to XXXX XXXX and 3. Discover credit card that i used to purchase the device XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
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 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Hi. I'm filing a complaint against ABRA, a crypto exchange company. $ XXXX of my digital assets were stolen from the ABRA exchange. ABRA is not taking responsibility for the gross negligence on their part. My account was initially hacked in XX/XX/2021 and I immediately informed them about it. They failed to protect my account and did not respond to my concerns until nothing was left in my portfolio... zero, zilch, nada! I could not even access my account to withdraw the remaining funds. ABRA kept reiterating that transactions on the blockchain are irreversible. But I informed them of the initial incident when I still had around 90 % of my funds left. If transactions are irreversible, they should have protected or froze my account after I first found out it was hacked. I asked ABRA to secure my account before the hacker took out the remaining funds in my account. They did not protect my account. They ignored my emails. When they finally responded, I was left with ZERO balance in my account. This was an inside job. No 'hacker ' has access to my account - phone, SIM card, Recovery Phrase. I did not have it written online or on my phone. There was no way anyone could have accessed the Recovery Phrase... I am 100 % sure! Also, my phone number hasn't changed. I've had the same number for the last 20 years or so. I've sent them so many emails because ABRA doesn't have in-person/phone customer support and this is such a significant monetary loss. Not only are they non-responsive, but they also blocked access to my own account. To this day, I can't log in to view my portfolio. Last I checked, it had {$0.00} balance - all funds were totally wiped out. That is outrageously horrendous customer service. When they do respond, ABRA is copying and pasting their previous boiler plate response without offering any resolution. Why is ABRA giving me the runaround? I've seen the same highly critical ABRA complaints in the XXXX XXXX XXXX ( XXXX  ) reviews/complaints, App store reviews, etc. I'm available XXXX to answer any question via phoneXXXXemail. Please assist me in retrieving my money back. Thanks. 
P.S. I have written a very detailed timeline, screen shots, and email communication with ABRA ( attached below )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not provide adequate notice to me. For that reason, I made an uninformed decision. There was no evidence of indebtedness, the only evidence of a debt would be an agreement. Due to my uninformed decision, that agreement is null and void. Equifax and XXXX should not be reporting this account as a charge off, nor any late fees. XXXX knows better and is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report a hard inquiry of XXXX XXXX for months ago and I would like to dispute it since its a closed account, paid off, and not in use anymore please and thank you
Product: Debt collection

I have a 2 collections with Transworld Systems for the amount of XXXX, That i have paid, this payment was made XX/XX/2021, I spoke with Transworld and ask if payment was made in full, if they could removed from my credit report, they stated they could not, i would like this removed from my credit report, and to show that this has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters for the last 4 months regarding the late payments on my credit report and how they are inaccurate and not reporting correctly. I have asked that these late payments be DELETED if not verified. I have got no responds from either credit bureau regarding my dispute letters. FCRA states the credit bureaus and creditors has 30 days to respond to all disputes, If they do not respond or can not verify then the item needs to be DELETED asap. 

Items are listed below : XXXX : Account number : XXXX, Deletethe late payment dated ( XXXX XXXX XXXX XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated ( XXXX XXXX XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days. Account number : XXXX, Deletethe late payment dated ( XX/XX/XXXX, XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated XXXX, XXXXdoes not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days.XXXX : Account number : XXXX, I was never late. Repair this account within 30 daysXXXX XXXX. : Account number : XXXX, I was never late. 

XXXX Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated XXXX XXXXdoes not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate Payment ( XX/XX/XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
US DEPT. OF EDUCATIO XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This complaint is a follow on of previous complaints regarding illegitimate collection efforts by collection agencies that American Express has used in an attempt to collect a debt. The debt in question is the unpaid balance on a credit card that was issued to XXXX XXXX XXXX XXXX XXXX. I was an owner of this business which financially failed in XX/XX/2017and has subsequently been dissolve. This business was a corporation which serves to provide a barrier between actions and obligations of the corporation and the owners. I personally have never been issued a credit card by American Express. I have contacted them multiple times to inform them that I was not responsible for this debt and have demanded that they provide documentation proving that I have responsibility for this debt. Despite multiple requests to AMEX, and the collection agencies that they have used to collect this debt, no documentation has ever been provided. In addition, AMEX has filed a charge off on my personal credit with all of the credit reporting agencies in the amount of this debt which does not belong to me. As a consequence my personal credit rating has been negatively impacted which has created problems for me in obtaining credit and caused me financial harm.
Product: Debt collection

This company has reported on my credit an amount of {$480.00} without notification again. This is the 4 time a company has attempted to report on my credit WITHOUT any prior written notification, even after several request none of the below mention agencies have been able to provide proof that this account belongs to me! I am required by law for debt validation along with proof that they are allowed to collect on this supposed debt. 
Diversified Consultants XXXX XXXX XXXX All this companies have reported this supposed charge from XXXX XXXX ( a service I have never had ) with out proof of debt.
Product: Debt collection

This company agreed with the cfpb to give me until XXXX XXXX, 2015 before they would pursue court action but yet aggressively does so. this is after i have paid XXXX of dollars to them and now they want to garnish me. I have offered to settle ( attached ).
Product: Consumer Loan

I have a DO NOT CALL on my file with Ally Financial. I received a Call from a representative who is assigned to my account. He must have realized afterwards of his mistake their was no message left. I called back spoke to a very pleasant representative named XXXX XXXX I immediately told her I received a call. She advised me it clearly is marked on my account DO NOT CALL. She did n't try to sugar coat it or make any excuses. She apologized for that being done. As she knows this was a clear violation of FAIR DEBT COLLECTION PRACTICE ACT. She asked me if I would like to speak to the representative handling my account. I said yes, he was unfortunately was n't available. So I opted to speak to his supervisor so he would speak to his rep as a coaching opportunity. The call was transferred to his supervisor XXXX. XXXX came on the phone his tone came across as if I was interrupting him from something more important. I began to explain that I was called when I should n't have been. Supervisor XXXX stated very un-professional and not never apologized for this mishap. He stated he would speak to his rep. Wow! Then he went on to discuss my account which there was n't any need to do so since I was just given a 2 month deferral. I told XXXX my XXXX payment is set to come out on XXXX/XXXX/16. XX/XX/XXXX and XX/XX/XXXX payment was deferred. He starred he sees that. There was n't ANY REASON to go over it because I was calling in about your EMPLOYEE! XXXX tried to tell me with the deferral was approved but this will still effect my credit. I told him I know I got a XXXX day for XXXX, And I will have a XXXX for XX/XX/XXXX since my payments are due XX/XX/XXXX. I told him once the payment post my account will be current. XXXX tried to tell me my deferral wo n't be processed until XXXX/XXXX/16 even though my payment is set up to come out on XXXX/XXXX/16. I will get hit with ANOTHER XXXX credit marker on XXXX/XXXX/16 when my deferral will be processed???!?! How is that possible when I just got THIS MONTH XXXX day credit marker TODAY. He told me if I do n't care about my credit then that 's on me. First if all I had a PERFECT account for 20 months..I 'm sorry but my mother almost XXXX XXXX I had to fly back to XXXX. So things/life do happen. Everyone at Ally had been wonderful EXECPT XXXX. It scares me that he is giving out INCORRECT INFORMATION. Especially since Ally just paid out on their class action lawsuit. I believe XXXX was in violation on XXXX XXXX XXXX XXXX! I 'm by LYING about getting hit with another credit marker. How can you get hit with XXXX credit markers in the SAME MONTH.
Product: Debt collection

I had a credit card with XXXX  XXXX with a {$300.00} limit. It was not maxed out. I became a XXXX   unexpectedly and could not afford any expenses beyond rent and childcare while I work at the time so credit card payments were out of the question. XXXX XXXX  would not work with me whatsoever. They supposedly sent my debt to LVNV LLC for the amount of {$780.00} which is almost double what the limit even was and the card was not maxed out. I have tried to resolve the debt numerous times but they can not locate my account yet they are reporting me in collections for the amount of {$780.00}. I have disputed this MANY MANY times but they will not rectify the account. XXXX  XXXX and LVNV are both reporting me delinquent which is destroying my credit.
Product: Debt collection

I have been trying to get this judgment taken care of with Nelson & Kennard for 30 days. I have made ten phone calls, sent one fax to Nelson & Kennard, and have only received two return phone calls. This is unacceptable. 

My first call was on XXXX XXXX, 2016 and I spoke with XXXX XXXX. She and I agreed that I have never received an written correspondence from Nelson & Kennard, not even a letter via Certified Mail which she mentioned. Nothing. During the past 30 days, I have received nothing from Nelson & Kennard supporting any debt : no copy of the alleged signed application for credit in which they are attempting to collect. 

I have provided a Satisfaction of Judgment for the XXXX debt to which I believe is the debt they are attempting to collect. 

I have good cause to believe I was sued in error. I was never served to provide me plenty of time to file a response. Therefore, this improper service provides me cause to have the judgment vacated! 

Today, XXXX XXXX, I faxed Nelson & Kennard a request to vacate, release, dismiss, satisfy the judgment immediately! 

Still, no response.
Product: Debt collection

I mailed a VALIDATION letter to Citizens Bank on XX/XX/XXXX. I got a copy of my credit report and do not recall this store card. I NEVER got a reply from the company and it's way past the 30 day grace period. As per the FCRA 30 days response is typical and VALIDATION is a contract and or lease signed. I'm asking the company delete this credit card from my credit as its causing me distress. I DO NOT owe the balance of as reported or any other updated balance that Citizens Bank currently alleges I owe for Account Number : due to the following : Citizens Bank has NOT PROVIDED a SIGNED contract that has been requested several times on the several phone calls listed in XXXX. Citizens Bank only provides a card agreement which is NOT a signed contract. Account was paid in settlement, closed, and agreed by creditor to be paid for deletion. Creditor has not held up agreement to delete from credit report per terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX