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

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been a paying member of Experian since XXXX, paying more than {$20.00} per month for that period, for a total of approximately {$1000.00}. This was a result of signing up for the " free '' credit report, and failing to monitor the ongoing fees. This is my oversight. On XXXX XXXX XXXX I discovered this issue and acted to cancel my account. I called Experian to cancel, and was told that I would have access to my account for the duration of XXXX XXXX. The representative refunded me the amount of 1 month 's fee. Ten minutes later I logged in to my account to download my credit report. Since I paid {$1000.00} dollars to Experian, and I was told that I would have access to the account through XXXX XXXX, I chose to obtain a copy of my current credit report. Once I logged in I discovered that my account was locked. I called Experian and was told that the account was locked because I closed the account and received a month 's refund, and they refused to send me a copy of my credit report. The phone representative and her supervisor XXXX acknowledged that I had paid {$1000.00} to Experian, the call timing ( the call being approximately 15 minutes after the previous call to close the account ), and the fact that the first phone representative told me the account would be open for the entire month. Yet I am denied a copy of the report because of company policy - once the account is closed, no access. This is capricious and rigid. I have been a paying customer for 5 years. I was provided guidance by the company representative that is wrong, yet I am punished for the incorrect information. The representative and the supervisor were both unwilling to make remediation : send me a credit report. This is highly disappointing and unreasonable. 
Lesson learned : do not, under any circumstance, contract with Experian.
Product: Debt collection

This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested.

I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine.

I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter?

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state?

5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature?

6. Please provide a complete account history, including any charges added to this collection agency or any account?

7. List of all names and contact information of all employees that was spoke to regarding this account or collection?

You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I received a past due notice on my property taxes by XXXX XXXX XXXX. These taxes have not been paid by Freedom Mortgage since we purchased the property in XXXX. I called Freedom Mortgage and they advised me to submit an email to their Customer Service center and they would research the issue and have it paid within ( XXXX ) business days. Since then I received an email from them stating that they would have to research the issue and would have me a answer by XX/XX/XXXX. To date XX/XX/XXXX they keep telling me that they are trying to get in contact with the XXXX XXXX XXXX office but the County said they have heard nothing from Freedom Mortgage. I have emailed them the phone number, statements and follow up on a weekly basis and was told they will have to research the problem again. My property goes on a `` County for sell List '' on XX/XX/XXXX if this is not paid in full. I make all of my payments to Freedom Mortgage on time and have never been delinquent on a payment. There is an escrow account set up for this property through Freedom Mortgage and they have failed to make the appropriate payments for taxes.
Product: Credit reporting or other personal consumer reports

I was advised by TransUnion and XXXX rep to fill out this report because unauthorized, fraudulent inquiries showed on my report. Please remove all the unauthorized inquiries from my report. TransUnion-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On approx XX/XX/XXXX, I logged into my account to do my weekly transfer of ETH which I had previously purchased to my personal hardware wallet. However, this week I was prevented from doing so. The message said that there was some 'strange ' activity on my account and so my transfer was prevented. When I reached out to the support center for help I received an automated message saying that I should undertake several security measures, which I did, including changing my password. When I informed support that I had done this, they said that they would look into the issue and get back to me. However, they never did get back to me. Several days later I submitted a second support ticket, wherein they also said that they would get back with me, but never did. It has now been about XXXX weeks since I tried to withdraw my crypto and I am still unable to, with no explanation as to why. FYI, currently, the amount of crypto that I am unable to withdraw is about {$1600.00}.
Product: Debt collection

This company is repeatedly calling my work, asking for me by my former last name, so I know this debt is OLD as I have been re-married now for 8 years. 

But, I have let them know on every single phone call they make to my work, that they are calling me at work, however they continue to contact me at work repeatedly throughout the day ( sometimes 4 times per day ) and almost daily. 

The company 's name is Avante USA and the number they are calling me constantly from is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did NOT give Equifax my direct consent or written instruction to furnish or report personal identification information on my behalf. This is infringement upon my right to privacy and no consent is identity theft! Equifax continues to violate my federally protected consumer rights.
Product: Credit reporting, credit repair services, 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. 

Account name / Account number ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 XXXX 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX customer service would not help and take care of the negative inquiries on credit report. Wrong information reported or error. 



1- Inquiry : XXXX/XXXX. Date of Inquiry : XX/XX/XXXX 2- Inquiry : XXXX . Date of Inquiry : XX/XX/XXXX
Product: Credit card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my a
Product: Debt collection

Resurgent Capital Services, Collector, under the name of Lvnv Funding, is reporting on XXXX Credit Reporting an account # XXXX due in the amount of {$680.00} which is paid, with the original creditor XXXX/XXXX under account # # XXXX which is reported by the original creditor as paid XXXX balanced.I need this account closed, It's false and need to be reported closed.Lvnv Funding need to do this now.
Product: Credit card

I ended my agreement with First Progress at the end of XX/XX/XXXX with the assistance of supervisor XXXX. I made the decision to end this business agreement with this financial institution because every month they would allow fraudulent charges from XXXX. One would assume if I had reported fraud from this vendor then it should always be declined. That was not the case. Every month there would be fraudulent charges from this same merchant on my account. I could not close the account until all disputes were finalized and there were zero pending disputes. XXXX verified that all deputes went in my favor because I have never had a history with that merchant. Firstly, Im not a chick and if I can I dont shop on budget. Therefore I was due my security deposit minus the {$41.00} currently owed within 10 days of requesting. $ XXXX {$41.00} is {$150.00}. That was XX/XX/XXXX. XXXX, a supervisor confirmed for me that the full security deposit of {$200.00} was going to be in hand within 10 days in XX/XX/XXXX. I spoke with XXXX on XX/XX/XXXX who said my security deposit would be received within 15 days. It is XX/XX/XXXX and I still do not have the {$200.00} promised since XX/XX/XXXX by three supervisors. Most recently XXXX on XX/XX/XXXX stated that I would be receiving the full security deposit of {$200.00} but I have no prior history that proves they follow through. Please help. I have transcripts of the last two supervisor calls.
Product: Money transfer, virtual currency, or money service

You guys have broken so many laws and used so many fraudulent and fake information. I have tried calling the XXXX XXXX numbers and nobody answers I get left on open nobody helps. Ive had money taken out of my account. Ive had to make new accounts. Ive had people hack into my accounts and take my information and log me out of. Its where Ive lost a lot of stuff And you guys by law are supposed to have an online agent a real person working and you guys havent been in this AI stuff that yall are doing is ridiculous and its scamming people and its hurting families. You guys have taken money and my information for me which hurts me and my family and my kids and my home and Im not gon na continue to keep losing or giving into a company. who is it following the law and is out here scamming people. I want my money thats owed to me from all of my accounts that you guys have taken from me and a lot of people steal and Im going to keep writing complaints and if I have to sue every person who works for Cash App, I will.
Product: Credit reporting or other personal consumer reports

Ive tried contacting the company several times through mail and CFPB AND NOTHING GETS RECTIFIED THEY SAY THEYVE DONE A FULL INVESTIGATION AND PUT THE SAME INCORRECT NUMBERS BACK ON MY CREDIT REPORT
Product: Debt or credit management

They gave me the wrong information pertaining to my payment date and or information about payment date which caused a major issue with my XXXX XXXX!!
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have submitted several remit coupons to Target and they have either denied or mail returned my accounting 's. I have resent several times certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

As ofXX/XX/XXXX-XX/XX/XXXX, I noticed several fraudulent inquires on my credit report. I have called all 3 credit bureaus to dispute these inquires. Company names are as follow ; Capital One auto finance, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have not authorized these companies to run my credit. I was approved through XXXX on XX/XX/2021 for an auto and I made my first payment on XX/XX/2021. I would like for these inquires to be removed immediately, thanks in advance.
Product: Debt collection

Account info Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$7900.00} XXXX updated XX/XX/XXXX this is a collection that shows past due i try to dispute this keeps coming back to me please get this removed not mine I can't get rid of this ... .....
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the person responsible for the charges made on the accounts. XXXX and Transunion put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please correct this account : XXXX XXXX XXXX XXXX : {$34000.00}.
Product: Student loan

My student loans were forgiven as of a letter dated XX/XX/2023, indicating this forgiveness would be effective as of XX/XX/2023. My balance on all three credit reporting agencies still indicates a full balance. I am requesting that the balance reflect a XXXX balance.
Product: Credit reporting

the information that appear on my credit report was an identity theft. I also sent to you the police report that clarify what was happened. your investigation is not complete, according to the law. it should be remove and corrected immediately.
Product: Bank account or service

I was charged a {$35.00} overdraft charge when I had expressly asked my bank to never overdraft my account for any reason. Not only that, but I also had made a deposit the night before that would more than cover the small charge that my bank ( Apple bank ) was claiming merited the {$35.00} overdraft charge. 
This overdraft charge seemed unfair, unreasonable, and avaricious. I talked to the phone customer service, who was unhelpful and told me to talk to my local branch, and I then talked to my local branch, who told me they did not have the authority to overturn this charge, when they have in the past. They then asked me to fill out a form to request this charge be overturned. But they seem unhelpful and unwilling to listen to what I have to say and they seem to be more concerned with profiting off of my bank account then in offering legitimate and professional service. 
I 'm contacting your office because I believe you exist for this type of low-level crime that banks get away with consistently and wind up profiting off of these kinds of seemingly innocuous situations to the tune of XXXX of dollars every year. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first dispute letter was sent XX/XX/2018. My second dispute letter was sent XX/XX/2018. My third dispute letter was sent XX/XX/2018. My fourth dispute letter was sent XX/XX/2018. 

XXXX continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or contract bearing my signature. 

XXXX has not provided this consumer with the information of Who verified these accounts and HOW these accounts were verified by virtue of documentation containing my signature binding me to these negative accounts. 

XXXX is now in violation of the FCRA and continues to be in noncompliance.
Product: Credit reporting or other personal consumer reports

I check my credit report and saw inaccurate information on there. it hurting me from getting a house for me and my family. please remove this information immediately. XXXX XXXX  account number XXXX opened XX/XX/2024 past due {$460.00} but reporting on XXXX balance update XX/XX/2024. how is this possible if the account was opening XXXX. please fix
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting a duplicate collection on the XXXX partial account number XXXX. ( Please see page 28 of the attached credit report. ) I have contacted the bureaus to correct this, however I have been unsuccessful. This incorrect reporting of a duplicate collection is harming my credit score and  these line items need to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to resolve this account with the collection agency. Professional debt mediation. 
i request verification of debt of this account the belongs to XXXX XXXX XXXX. 
on or about XXXX of 2019. I never received any response. 
I never owed this company any money and further more the original creditor sold the complex to another company and is no longer the original owner of this complex
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed i XXXXXXXX XXXX XXXX balanced {$480.00} XXXX XXXXXXXX balanced {$3800.00} XXXX XXXXXXXX balanced {$1700.00} XXXX XXXXXXXX balanced {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached and FTC report with inquiries I did not authorize and also attached accounts that are all reporting errors to my credit report please delete and update my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

There are derogatory remarks on my three credit reports as reported by XXXX from XX/XX/XXXX to XX/XX/XXXX. This property was taken by the state of new jersey, court order attached in XXXX and i have a contract signed with XXXX so those months being late is INCORRECT. Yet another mistake that this terrible company refuses to fix. Class action lawsuit
Product: Debt collection

I bought a car from a buy here pay here place in XXXX Ky. The dealership sold the loan to Mid Atlantic Finance in XXXX Florida. I was contacted and told the agent at the time, that the payment is due on the XXXX of each month, but not past due until the XXXX. I told them not to contact me unless the payment is past due and they agreed. 

They contacted me as a " Courtesy Call, '' on the XXXX to let me know the bill was going to be due on the XXXX. I told them not to do that again. 

They contacted me the next time on the XXXX, and told me the bill was late, and if I didn't pay I would be charged extra fees and my credit would be affected. I bought the vehicle at a buy-here because I am going through bankruptcy at the moment and needed a vehicle to replace one I lost from voluntary repossession. I again told them to not contact me at all. 

So the next month, they called my WIFE and demanded that she tell me to make my payment, on the XXXX. Then they contacted her on the XXXX. Again, I called and told them to no longer call me, at all, period. I followed this with an email. 

They just contacted me again, on the due date, not the late date, to demand I pay. Against my wishes. 

Since I have had this nightmare of a company, they have harassed me, and my family, each month with no cause, no reason, and in direct violation of my wishes.