23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX with NCR phone number XXXX has called several times to family members which is in violation of the Fair Debt Collections Practice Act. I have never received voicemails from him or the company directly, they keep contacting my family and I have to hear about it second hand. 

I have called them several times advising I do not recall owing any sort of debt to XXXX XXXX, I advised them they were in violation of the act and to ceases and desist to no avail. They continue to contact family members, use profane language and are so rude. 

My last encounter with XXXX was XX/XX/20 at XXXX XXXX EST, the call lasted 2 mins to which I was screamed at, he refused to accept the fact that he is violating the act. I advised to send the collection to my credit report to be handled there OR send me information. He refused. 

I am sick of wasting my time trying to get them to stop all communication and advised this would be the final outcome.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my XXXX AND XXXX consumer credit report and I noticed that I had a fraudulent account on my profiles. I am referring to the account from CCS Collections with account number XXXX. Please remove this account from my reports IMMEDIATELY because I did not authorize them and I do not recognize them therefore I am not liable for this debt. I have never entered into an agreement or a contract with CCS Collections which makes this a fraudulent account, inaccurate reporting to my consumer credit reports and a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit and is damaging my financial reputation. I demand for all forms of communication from CCS Collections to IMMEDIATELY cease and for this account to be deleted from my consumer reports. 

15 USC 1681 section 602 A States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer
Product: Debt collection

Experian is in major violation. I have attached a copy of the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXXXXX Balance : {$47.00} ; XXXX XXXX XXXXXXXX Balance : {$230.00} ; XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXXXXXX Balance : {$110000.00} ; XXXX XXXXXXXX Balance : {$35000.00} ; XXXX XXXXXXXX Balance : {$2200.00}.
Product: Debt collection

I called Midland Funding LLC on XX/XX/XXXX, I told them I could pay one amount and have the charge done. I offered to pay {$350.00} of XXXX. I was told the offer only stood for today. They kept telling me the account was in a " pre legal '' status. On XX/XX/XXXX, I told them that " pre legal '' meant nothing. They offered me a different amount of a settlement of {$500.00}. Then came back with {$470.00}. I asked for it to be sent in a letter, and I was told it was " only good for today. '' They refused to mail the letter. I said, that's against the law, you have to provide it in a letter if I ask for it. They wanted a date for the letter to expire. I said no. They refused to answer my questions. In addition, I asked for the recording of the call, and they said it couldn't be provided. This company is awful, and a scam.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and fraudulent information on my credit report. The credit score reported on my XXXX credit report from Experian states a score of XXXX ( poor ), while the Experian website displays my credit score as XXXX ( fair ). This discrepancy is both incorrect and misleading, and it is negatively impacting my ability to secure financing for an automobile purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not authorized the companies listed below to view my credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL - DATES DIFFER FROM XXXX XXXX EXPERIAN XXXX XXXX XXXX OPENED-DATES DIFFER FROM XXXX, EXPERIAN XXXX XXXX BALANCE- AMOUNT SHOWN AFTER CHARGEOFF HIGH CREDIT-AMOUNT DIFFER FROM XXXX, EXPERIAN & XXXX PAST DUE- AMOUNT SHOWN AFTER CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, EXPERIAN & XXXX DATE LAST ACTIVE- DATES DIFFER FROM XXXX XXXX EXPERIAN & XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX complied with this requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CB/VICSCRT - XXXX CB/VICSCRT - XXXX both of these accounts are on my credit which it shouldnt be according to the reporting act. This account was sold to another lender and the original creditor should not report this information on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX LATE PAYMENTS Account number : XXXX comments : Never been Late XXXX XXXX Original creditor : XXXX XXXX account number : XXXX balance : {$3800.00} comments : this is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple fraudulent accounts have appeared on my XXXX XXXX and Equifax account. 

XXXX  XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX account opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have been contacted by Capital Accounts daily since the end of XX/XX/2019 in regard to some medical debt from XXXX XXXX. They immediately asked me my intentions to correct this debt. I never received a physical account summary, so I had them email me said document. On XX/XX/XXXX and XX/XX/XXXX, they emailed me this document. I inquired in one of the daily calls, how I can pay this account online. They directed me to their website, which was on the account summary. There are 2 options ; One is an immediate one time payment option, which I told them I am not comfortable with because I want to track what I pay them for my records, but that will pull up my account correctly. The other option is a link to " other payment options '' which I input my information into and it says it can't find my account and to contact a rep via phone. I have told them multiple times I am attempting to verify my account on their online system with some type of portal login so that I can track what I pay them and have records. They say their system doesn't work that way. Every time I ask them why or tell them I need documentation of what I pay them, they abruptly bid me a good day and end the call.
Product: Credit reporting or other personal consumer reports

The car loan was closed due to the car being a total loss all bills were finalized and the checks were sent. They are still report on my credit report that I am 30 days and then 60 days delinquent when the house has been closed out! How can I possibly owe on a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an incorrect status on my account. I fell back behind on payments a few years ago. Since then I have been making my payments on time with no problems. However, the way that they are reporting on my credit is causing me problems. I have not had any issues and ask that you please update my account to show " current, or paid as agreed '' and remove the repo code on it. It is not a repo and I have been making payments on time for the past couple of years.
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. 

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: Student loan

XXXX   XXXX  sold my school loans to different companies who now created duplicate loans on my credit report.   And I feel that the school loan amount does n't match what 's on my report as well.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial Protection Buearu ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided informations to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates Federal Law and my rights as a consumer.
Product: Checking or savings account

Dear CFPB, Im writing about a serious issue with my robinhood account, on XXXX I opened a robinhood account and deposited money to buy crypto which I was willing to transfer to my coinbase account, I deposited XXXX dollars on XX/XX/year>. Shortly after that my account was restricted meaning that I wouldnt be able to transfer or withdraw my funds, at first they didnt give me a date to which they will contact me, but then they said that they will contact my on XX/XX/year> and on that day the moved the date to XX/XX/year> and on XX/XX/year> the said that they will contact me on the XXXX so I sent them a message on the app regarding this problem and how frustrated I was. They responded by restricting my account and asking for my ID, pictures, and a bank statement and all that should be submitted within 14 days. I opened the app and I couldnt find where to submit those documents, I also couldnt request a call because there wasnt an option for that. I have some money in that account and as a college student I need every bit of it, and they closed my account and theres no way for me to open it or do something about it. Sincerely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer and Natural person have been violated by Experian. I have disputed inquiries on my consumer report and it has been more than 30 days with no response. Experian has used and furnished my consumer report without my written consent or verbal authorization. I have been denied credit due to their wilfull non compliance to accurately verify information before furnishing a report on my behalf. I have inquiries showing on my report that are not tied to any open accounts and/or any extensions of credit. These inquiries are damaging my consumer reputation. Before furnishing a report a Credit reporting agency shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the consumer the report relates to pursuant to 15 USC 1681e ( b ). Experian has failed to do this. According to section 604A ( 3 ) ( a ) there must be an extension of credit as well as the inquiry allowing for Permissible Purpose to keep and validate and report any inquiry on a consumer report. The following inquiries listed and dated attached to this complaint are not inquiries resulting from an extension of credit, nor any experiences or transactions I have authorized. I ask that XXXX carefully review this information including my consumer report and delete these inquiries.
Product: Credit reporting or other personal consumer reports

I am a victim if identity theft. I have already reported this information to the credit bureaus, as well as the FTC. However, the credit bureaus have been ignoring me, and have failed to respond to me at all. It has been nearly 60 days and I know that this is illegal. Please assist me in this matter. The accounts listed in the reports that are attached to this complaint are the result of fraud and were not opened by me, the consumer.
Product: Debt collection

I took a loan from XXXX XXXX, a XXXX XXXX XXXX XXXX subsidiary. I owe the company the debt. The debt negotiation was made on my behalf by another credit relief company called XXXX XXXX. the negotiation was completed, and I made the complete payment for the debt. Then XXXX XXXX XXXX XXXX gave me a release letter for the account, which shows I have completed my payment. But t XXXX XXXX XXXX XXXX refuses to authorize the release of my withheld account. These accounts are Cash App and XXXX XXXX. 
Today, XXXX, the cash app sent me an email that XXXX XXXX has not sent them a release letter. my account with cash app and XXXX XXXX is still held because XXXX XXXX  refused to send the release letter to the cash app and XXXX XXXX for my accounts release please help me to tell XXXX XXXX XXXX XXXX to release my accounts. 

Thanks
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquires were not and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

15 U.S.C 1681s-2 ( A ) ( a ) 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, credit repair services, or other personal consumer reports

. XXXX XXXX XXXX XXXX XXXX - showing a balance of {$14000.00} yet original balance is {$12000.00} this account is no interest bearing and has been paid in full as of XX/XX/2019. 

1. The balance being reported is incorrect and not showing full payment of account. No balance is owed on this account. Please remove this account and no longer ( cease ) to report this inaccurate account information again. 
2. Vendor verified this accounts balance and per their records this report is not aligning with their accounting, verify the balance or remove immediately. 
3. Account showing on time XX/XX/2019 & XX/XX/2019 but is reporting past due 90 days on XX/XX/2019, this is incorrect and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record stating : ''I dont recognize this public record. Please provide proof from the court of this public record. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and verification of this record from the court, or delete this public record. 

Inquiry from XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I previously disputed this inquiry stating : XXXX'There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : XXXXThere are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Checking or savings account

I travel a great deal and am frequently locked out of my account because JP Morgan 's online service ( via Chase ) does not " recognize '' my computer. By this, it appears it means that if I sign in through different IP addresses, it will not let me into my accounts. This is a really problem. I do not have an email address or cell phone number that I want it to have or use, in part because it abuses each with unwanted ads and selling this information for profit to other marketers. Neither of these is particularly secure either, especially if written text is generated.
Yet when I call in a toll free number that comes up on the screen after I am locked out of my online accounts, I get automated machines, long wait periods and inaccurate information in so-called security questions that I am suppose to confirm if I want to get back into my accounts online. This process alone, of being forced to confirm inaccurate information that it is clear the automatons at the other end of the phone line have, distorts credit reporting, banking security, and access to my accounts, while degrading my credit score, and increasing the chances of identity theft.
The antiquated technology of online banking inconveniences anyone who travels frequently, increases the chance of identity theft ( by promulgating inaccurate information that I have to claim is true if I want into my accounts ) and wastes enormous amounts of my time, while routinely denying me access to my own money and accounts at JP Morgan. There is no one to call to take care of such idiotic and systemic failures other than mindless machines and customer service people who themselves are programmed to enforce inaccurate information as a condition of correcting the abuse of the company that routinely denies me ready access to my money and accounts.