23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error
Product: Credit reporting, credit repair services, or other personal consumer reports

I am repeatedly receiving phone calls at XXXX XXXX and after XXXX XXXX from XXXX XXXX XXXX representatives for a collection account and debt from XXXX XXXX, XX/XX/2020 for {$2400.00} thats not my account or debt. The collection account is listed on my XXXX XXXX, Equifax and XXXX  credit report. XXXX XXXX XXXX representatives is steady calling me annoying and harassing me, using profane language against me, making threats of death and XXXX against me, threatening me with arrest, jail and prison time, all for an account and debt, thats not my account or debt. I am scared and in fear of my life. XXXX XXXX XXXX  business practices is dishonest, unethical, illegal and unlawful. XXXX  XXXX  XXXX  is in complete violation of The Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I created my Marcus by Goldman Sachs online savings account XX/XX/year>, and deposited my money to the account over the past year. When I tried to transfer money out XXXX XXXX XXXX XXXX XXXX earlier this month ( around XX/XX/XXXX ), the transfer didn't go through and was reversed on XX/XX/XXXX. 

They called me XX/XX/XXXX and I missed the call. When I called them back at customer service, they said they couldn't verify my phone number. They said based on their database, my phone number is not under my name, and they asked me to verify with XXXX XXXX XXXX. Then I said it was them who made the call first, and they said they didn't know what happened. I've never had any problem with my phone number because this is my number, and all my IDs, banks, work, insurance, address are using this phone number with no issue. I verified with XXXX XXXX XXXX that I am the owner of the phone number. I called Marcus back XX/XX/XXXX, they said they still couldn't verify my number. On the same day, I received a data privacy alert from XXXX XXXX XXXX, saying that " we learned some of your data was illegally downloaded. We have no current indication your data has been publicly posted/misused. The data includes the phone numbers of your calls and texts but not the content of your calls/texts. '' I am extremely concerned of my privacy and my money ( almost all my life savings ) at Marcus. 

On XX/XX/XXXX my account was locked. Now I couldn't access my online savings account at all and have zero knowledge into what is going on. They said that I need to wait for XXXX business days for them to call me for next steps of verification, and need to wait for more time to unlock my account. No clear instructions and timeline were provided. I called XX/XX/XXXX, and no updates were provided. This is the worse experience I've ever had with any banks, and I don't know what to do. 

Thank you so much for looking into my case. I feel helpless, and also discriminated when they keep asking if I have a sister or brother or parent who can verify me or otherwise I couldn't be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we were alerted to a change in our credit report via XXXX XXXX. This change was from our current mortgage lender Select Portfolio Services. This change was a remark added to the report that said " Loan mod non government ''. SPS bought our mortgage from XXXX XXXX XXXX in XXXX of XXXX. In XXXX we did a loan modification through XXXX XXXX XXXX, which XXXX XXXX XXXX had already reported to the credit bureaus. I contacted SPS on XX/XX/XXXX at XXXX XXXX MDT and spoke with XXXX XXXX. XXXX stated that after an audit of our account they found the modification from XXXX XXXX XXXX and that they are '' required to report any and all changes to the credit bureau even if the modification was not done with us. '' I have filed disputes with XXXX, XXXX, and XXXX to have the incorrect remark removed. This remark makes it look as though we have a new modification with SPS which is not the case, and an old modification with a different lender is now being reported again by the new lender as a new modification. There has been no modification with SPS and we need to have this remark removed from not only my credit report but also from my husband 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recived an email from XXXX XXXX regarding Hard Credit Inquiry and closed account for something labeled as " Khols/CapOne ''. I did not apply for any credit recently and I am confident that this is fraudulent activity. I attempted to dispute the Hard Inquiry online with but they did not have an option to dispute a hard inquire. I need to do what I can to dispute the Inquire, it is negatively affecting my credit and I'm concerned over further fraudulent activity. I would like an investigation so I can take proper measures to insure my credits safety and security. Thank You
Product: Credit card or prepaid card

XXXX XXXX - related to 3 of my accounts with them, XXXX XXXX, XXXX, walmart On XX/XX/2018 I had a hard inquiry done on my Credit score and everything came back fine. Nothing All but one credit card I had was paid to XXXX on XX/XX/XXXX. 
Suddenly in the mail I got a letter dated XX/XX/XXXX from XXXX XXXX stating my XXXX card - they ( OUT OF THE BLUE ) did a recent inquiry on my credit and they found. 1 ) Serious Delinquency 2 ) A Number of accounts with Delinquency's.. So they were lowering my avail balance from {$700.00} down to {$100.00} ... I thought wait I just had an inquiry on my account done, how was this possible. 
But I get an alert stating my Credit has changed and I should check it. So I did When I look into it and find out Synchrony was the one who put put the delinquency on my Credit Score ( over a 38 day late balance of {$42.00} dollars ) Now mind you on XX/XX/XXXX my report was clean - nothing for PAST OR DELINQUENT in a couple of years. and all but 1 CC was paid to XXXX by the XXXX So on the XXXX. Synchrony put a 30 day past due on my score. 
So now I get this letter stating after a review - Serious Delinquencies, Number of Accounts with Serious Delinquencies, Lack of recent loan installment information. BLAH BLAH BLAH 2 pages. 
So now my Score tanks by a significant number. 
So I send them a scathing letter back - SO YOU CAN ONLY GUESS WHAT IS ABOUT TO HAPPEN NEXT ... ... ... .. 
I get couple of notices saying my credit is improving again - I think Great .... yeak ok. 
Synchrony in turn does not tell me but they close another ( XXXX ) account ( which had a XXXX  balance for over a year mind you ) Then on XX/XX/XXXX they send me a letter stating they closed a third account ( walmart ) on me stating same exact wording as XXXX letter. ( Walmart also has had a XXXX Balance for over a year ) After all of this is said and done end of XXXX I get noted that my XXXX account is now " improved '' on my credit score ... .. Here I am now with 2 accounts closed, another one with dropped avail amount. 
So you want to know the domino effect of these smucks has had on my credit with their added on XXXX. By them having to close my accounts due to a XXXX lines about number accounts Delinquent, Serious Delinquency. I had 1 delinquency and it was put there by them. So today I get a note saying my credit is changed again - I look to see that Because Synchrony dropped one credit line and closed my 2 other accounts - my available amount of credit has dropped so that also effects my score which again dropped .... Synchrony is a bunch of clowns, who played with me and jacked my credit rating into the tank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has 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
Product: Debt collection

Around XX/XX/2019, I went to the hospital. 
I have, since XX/XX/XXXX ( it is now XX/XX/XXXX ), received two to three calls a day from a debt collection agency, demanding the money for a bill I was never given. When I said that I had not received the bill ( I received a bill from the hospital, but this bill was for the physician - I never received a bill from the physician ), the debt collector on XX/XX/XXXX said, " I can confirm the last four digits of your social security number are xxxx, and this debt will seriously negatively affect your credit if you do not pay us back by XX/XX/XXXX. '' I have felt threatened, harassed, intimidated, judged, and, because of my age and lack of knowledge, discriminated against. I have been bullied, and refused information. I have been told " should haves '' when I ask questions. I " should have '' been given a bill. I " should have '' been informed about the physician policy. 
I can't afford the should haves, and, most importantly, I can't handle the stress of another phone call with these horrible, disgusting people.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX05B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I XX/XX/XXXX
Product: Student loan

This morning I called Firstmark Services to request information on requesting a discharge of my loans. I told them I am a full class member of XXXX XXXX XXXXXXXX and my XXXX loans were recently XXXX due to school misconduct. I asked for any information available on requesting a XXXX  of my private loans. I was told that this is not something that exists for these loans. While I am fully aware that the XXXX  I received is exclusively for XXXX  loans, I disagree that there is no process that exists for requesting a XXXX of my XXXX loans for the same school.
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd Complaint - ID FOR COMPLAINT SENT TO EQUIFAX XXXX I requested my free annual credit report from Equifax and the company has refused to provide it online, referring me to a written request. Subsequently my written request was not honored, since XXXX sent absurd, abusive, and inappropriate " identity verification '' demands to me in a refusal letter. 
Equifax is demanding proofs that are likely not to be obtainable by many reasonable persons, including demands that information given be from the last two months only. Other abusive and illogical demands Equifax is making are for very recent pay stubs when I have not worked for an employer who provides pay stubs for six months, a demand for an address from a state insurance card when California XXXX cards do not contain addresses, and a demand that utility bills be in one 's  name to establish identity proof ( Like millions of people. utilities at my residence are not in my name and I have only a pay-as-you-go telephone with no monthly statement. Further, bank statements do not include social security numbers, and I sublet from another person so there is no lease in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has XXXXiolated my rights . 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX Credit Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

On Wednesday XX/XX/XXXX midland called someone who is not in my immediate family. Said they had them listed as a contact number for me. No where have I ever put this person on any form or correspondence of any kind. They then proceeded to ask if he was my husband, which he is not. And then talked to them about being debt collectors. Because this person was not an immediate family member of mine, I now have a very negative relationship with them because of this. In no way should that person have been contacted, especially when I have received ZERO phone calls myself on a number Ive had for over 17 years. And especially that person should not have said they were calling from a debt collector. That is personal information that is now public. The person that was contacted looking for me, has been frustrated enough that our relationship that was once very good, is now bordering on non existent. And this is a person that is very close to my family and I have no choice but to keep them in my life for the sake of my family. Shame on them!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CLOSED ACCOUNTS SHOWING OPEN! EQUIFAX IS NOT DOING THEIR JOBS OVER THERE! THERE ARE TWO ACCOUNTS CURRENTLY SHOWING OPEN ON MY CREDIT FILE, THAT ARE IN FACT CLOSED!!! I SPOKE TO THE CREDITOR, THEY HAVE CONFIRMED IN WRITING THAT THEY REPORTED MY ACCOUNTS TO EQUIFAX AS CLOSED! BUT EQUIFAX HAS NOT PUT IT IN CLOSED STATUS GOOD STANDING. THE FEDERAL GOVERNMENT NEEDS TO AUDIT EQUIFAX FOR NOT FOLLOW THE FCRA!
Product: Credit reporting

I took my husband 's last name & moved to his hometown when I got married XXXX yrs ago. There was already someone there by the same name. I ca n't get my credit report from the XXXX bureaus online because all security questions pertain to her life. I have written to them about this for yrs and gotten no resolution. I filed a compliant with them recently. Their response was to mail me my report. This does n't address the issue at all. I want my security questions to pertain to MY life, not hers, and to be able to get my reports online like everyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report an alleged debt of {$410.00} on my credit report under account number XXXX that the credit bureaus have removed three times now. This collection agency, nor the original creditor, have stated they have no records of me ever having an account with this company, XXXX XXXX, listed as the original creditor. It is also passed the Statute of Limitations, nor has it ever been properly validated. Yet this collection agency XXXX XXXX   and continues to re-report this debt after each time it is removed by the credit bureaus. This shows willful noncompliance and it is in violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act.
Product: Credit card or prepaid card

XXXX   XXXX ,  XXXX   XXXX , SOuth Dakota  XXXX  XXXX  XXXX   XXXX  :  XXXX   Citi VP   XXXX   XXXX  unethically CLOSED my credit  XXXX  card account when I explicitly advise d Citi to  close a different card  XXXX .      Cit VP   XXXX  has threatened to deny  me two merch ant credits towards annual fee payment. I was TOLD vi a Citi Chat I had 3 7 days after  XXXX   XXXX ,   XXXX  , to cancel with NO penalties.  XXXX   XXXX  denies and is a habitual lair on all topics.     I have a been told  by FOUR c hat focal the same comment and will attach another chat session b y CIti employee   XXXX .  XXXX   XXXX  LIED to me about listening to chat when CHAT is text.  XXXX   XXXX  is INCOMPETENT not knowing CITI.com web site problems repeatedly asking me what web is this?     Since the  XXXX  account was UNPROFESSIONALLY and ILLEGALLY closed I am about forced to use my Ultimate Reward points immediately and not via planned time frame for best deal, closure of account  XXXX . NEVER did I authorize closure of  XXXX  ... only inquired about 37 day option which I will show in chat  XXXX   XXXX  is SO DESPICABLE an employee she has BLOCKED me from CHAT but I have captured a chat session to prove  XXXX   XXXX  is a LIAR and I deserve until  XXXX   XXXX ,   XXXX  , to make a decision on account  XXXX .      XXXX   XXXX  is unethical, dishonest and unprofessional and  XXXX  costs be LOSSES of Airport Admiral Loung, Reward points 60 day window , Emergency road  service, fourth-night hotel payment, GOLF fees.      XXXX   XXXX  is a disgusting employee with NO PROFESSIONALISM.      XXXX   XXXX  closing BOTH accounts  XXXX  and  XXXX  ( NOT requested ) and caused me significant financial damage.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Payday loan, title loan, or personal loan

My account with ace went into collections when my wife lost her job and we were struggling to pay bills and we are back on our feet and currently waiting on back pay from the military for being on the XXXX XXXX XXXX. On XX/XX/XXXX ( which isnt a payday ) my account was withdrawn by ace for {$410.00}. I called in panic and I was told there was nothing they could do by a manager and that he will ensure it doesnt happen again and he will stop the overdraft and that we can do that according to my contract. But I e signed a paper that says I dont want auto draft and he agreed and said he will fix it. Because of that payment I wasnt able to pay rent and eventually had to break my lease and move on XX/XX/XXXX because I couldnt afford all the late fees and double rent and was threatened for eviction. After being told he would fix it I didnt worry about it and would pay the loan in full in XX/XX/XXXX. On XX/XX/XXXX {$690.00} was drafted from my account which is another non payday causing overdraft and my first rent here in our new place I cant even pay rent again, my car note cant be paid again. I have a XXXX year old and a XXXX month old. I looked for my contract and couldnt find it anywhere, I also went to other loan sites from previous borrowers and found my contract but I cant with ace and theres no proof of it so I need to see it. Why on earth would you take money from an account that goes into collections when collections means I clearly am having trouble paying it back, like why?? And the payment amounts are large and inconsistent which is also unfair. The guy told me he would handle it and he didnt and I need that money back into my account