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

Security freezes are supposed to enable me to improve the security of my accounts. Instead of processing it online, Experian is requiring me to MAIL Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. This is NOT secured. Setting up credit freezes with XXXX or XXXX  works fine but Experian is not making more secure or accessible and it would be expected. It also does not list anyway to verify or confirm that the letters are processed or that the freeze of completed as expected. 

The only option provided is this, not even a phone number : We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 

Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 

Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently. 

Experian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate ad correct these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXXXXXX XXXX Balance : {$610.00}
Product: Debt collection

I was contacted repeatedly by Collection Bureau of America regarding an alleged balance owed to XXXX XXXX. I was a customer for 12 years. When I sold my house, I terminated service and was advised I had a XXXX balance. The equipment was picked up ( water machine ), empty bottles and full bottles. 

I have not received a statement, call or anything from XXXX since terminating the service in XX/XX/XXXX. Collection Bureau of America contacted me regarding this debt. I requested an itemized statement ; what I received was not itemized and had services included on it that I never had with XXXX XXXX ( I.e., water filtration and coffee maker ). There was no break down and did not appear to even be a statement from XXXX XXXX but something created by Collection Bureau of America and placed on their own letterhead. I responded by email to Collection Bureau of America on XX/XX/XXXX and they did not respond ; I reached out to Collection Bureau of America by phone after 5 days and they said someone named XXXX would call me. She finally did call me on XX/XX/XXXX. I informed her that I did not receive a proper itemized statement within 5 days as required and that her company did not respond back to my email. She blamed that on another department at Collection Bureau of America who sends the emails and acknowledged that they didn't send an itemized statement to me from XXXX XXXX. She said that the person I talked to at XXXX must have given me bad information that I had no balance. Fine, but why didn't I receive an itemized statement from them between XXXX and XXXX? She also stated that they went through the itemized statement with me twice - this is an outright lie. I had to chase them down after receiving no response to my email pointing out that what they sent is not an itemized statement, nor was it even from XXXX XXXX. 

At this time, I have still not received the itemized list of charges. I tried to contact XXXX XXXX to get an itemized statement and they would not speak to me because I'm not a current customer. I did inform them of the situation and they just refer me back to Collection Bureau of America. I acted in good faith but neither Collection Bureau of America XXXX XXXX XXXX have done so. After being a loyal customer of XXXX for XXXX years, I'm astounded and am unable to validate the debt owed. I question that Collection Bureau of America attempted to create a statement on their own letterhead. The lack of communication and rudeness of the people I've spoken to are inappropriate, unprofessional and uncalled for. 

Attached is the " statement '' I received. The only service that I did have was for the water cooler, which shows XXXX. I did not have coffee or filtration services. This is not an itemized bill from XXXX and reflects dollare figures slapped on the Collection Bureau of America 's letterhead. It is highly questionable whether they are really representing XXXX XXXX. I implore the CFPB to intervene as appropriate and hold this collection agency accountable.
Product: Credit reporting or other personal consumer reports

I need to resubmit this complaint to NR/SMS/XXXX. I have communicated with them about the inaccuracies on my credit report, including discrepancies in the dates of the last movement, dates opened, dates detailed, and installment status. Despite their assurance of conducting a thorough investigation, more than 30 days have passed, and upon checking my credit report, I see no changes and no corrective actions have been taken. My rights have been overlooked on multiple occasions. 
According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Part 2 stipulates that a consumer reporting agency can not furnish a report without my written instruction. To formally address this issue, I filed an FTC report with the report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called XXXX numerous times about inquires that I didn't authorize. The Credit bureau continues to state I need to contact the consumer ( s ) and speak to them I have recently spoken to XXXX ( XXXX ) which stated the exact same thing. XXXX   stated my dispute results will remain online for 30 days but I'm unable to see them. 
My XXXX credit report dispute confirmation number is XXXX. 

I have submitted various documents to them stating these Inquires aren't mine, yet they remain on my report. I have provided them with police reports stating fraud. Still, no changes have been made. I'm requesting they remove all inquiries off my report immediately which is hindering me from acquiring a few life goals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT WITH A POLICE REPORT SUBMITTED TO THE 3 CREDIT REPORTING AGENCIES XXXX XXXX AND TRANSUNION WITH FRAUDULENT ITEMS, LATENESSES, AND INQUIRIES THAT ARE NOT MINE THAT I CIRCLED AND SUBMITTED MY ID, FCRA SECTION 605B, CREDIT REPORT WITH CIRCLED FRAUDULENT ITEMS PLUS THE LATENESSES CAUSED FROM THESE FRAUDULENT ITEMS, NUMEROUS TIMES IN THE PAST SIX MONTHS MORE THEN ENOUGH TIME TO HAVE THOSE CIRCLED ITEMS REMOVED AND THE BUREAUS LISTED ABOVE REFUSE TO REMOVE THEM AS THEY ARE DIRECTED BY LAW. FUTHERMORE XXXX ADDED ITEMS RECENTLY AS THIS MONTH OF ITEMS THAT WAS BLOCKED FROM MY ACCOUNT ITEMS LIKE XXXX, AND XXXX XXXX XXXX XXXX, AND IGNORED THE LAW AND PUT THEM BACK ON MY CREDIT REPORT AFTER THOSE ITEMS WERE BLOCKED BECAUSE OF FRAUDULENT ITEMS IN THERE LETTER TO ME LAST XX/XX/XXXX. THEY RE-INSERTED IT ON MY FILE THIS MONTH.THESE COMPANIES REFUSE TO FOLLOW THE LAW PUT FORTH BY THE FCRA AND I WANT THEM HELD LIABLE AS TO WIT I HAVE BEEN NOT ABLE TO AQUIRE NEW CREDIT OR LOANS ON MY OWN BY THE NEGLIGENCE BY THE BUREAUS, I WILL BE FILING A LAWSUIT IF ALL THESE ITEMS CIRCLED IN MY CREDIT REPORT ARE NOT REMOVED IMMEDIATELY. I WILL FILE A FTC REPORT EVERYDAY UNTIL THEY ARE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a identity theft report a full years ago which got approved by the FTC. I have my paperwork. So I begin to fix my credit starting with the accounts that was from identity theft. I mailed in all the paper work that was needed to dispute the accounts and at first the company removed the account and a couple months later XXXX XXXX put the account back on my credit report saying that the account was verified. I wrote them asking to show me how they verified the account and what they had to show that they verify the account with. And sent them another copy of the idenity theft report and asking them to show me what they had to to go against the approved report and I never got a response. They just keep adding it back to all the credit bureaus. I heard about company 's doing this to people even after all the trouble a person goes through when they have there idenity stolen. XXXX XXXX don't care what happens to people they want money even if you are not the one who needs to pay it. I going through this with 3 other company who doesn't care about identity theft or what the federal trade commission approved. They just keep saying verified and putting it back on your report because there is really nothing like a no body like me can do against these big company 's. If I had money to pay a big lawyer I bet they would leave it alone but since I can't they just keep on stepping on the little people and getting away with it. It's just not rite. It's hard enough dealing with the identity theft let alone a big company doing what they want to try to get money
Product: Debt collection

Dear XXXX XXXX, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX, and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  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 accounts that are reporting on my Credit Reports : XXXXXXXX XXXX  XXXX Balance : {$17000.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$810.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$470.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX, MO XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, Experian and XXXX  consumer as an unpaid " collection '' when the original XXXX XXXX XXXX  account was removed due to fraud. Moreover, the account has been reported twice to each of the agencies - some with delinquencies reporting as late as XXXX, 2020. Complaints to XXXX XXXX and the credit reporting agencies have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

im filing this complaint because Experian and XXXX are not holding up their end when investigating the inaccuracies on MY CREDIT REPORT. the account that I am needing removal or adjustment to is XXXX XXXX from XX/XX/XXXX. I have verification that XXXX XXXX was paid In full on XX/XX/XXXX so that means that XXXX AND EXPERIAN have not done their proper procedures to make sure this account is reporting CORRECTLY!!! they are definitely willfully and noncompliant and I need this account removed immediately or adjusted to a positive TRADELINE as it is showing NEGATIVE!! I have submitted the CFPB COMPLAINT FROM XXXX XXXX VERIFYING that EXPERIAN AND XXXX are not doing proper investigations
Product: Student loan

I submitted an employer certification form for the PSLF program back in XXXX and I still haven't heard whether or not the employer I have worked for since XXXX is qualified. They are in the system as approved and this is unacceptable that this is taking so long.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I notice fraudulent accounts that I didn't authorize. These fraudulent inquiries were not authorized by me and they are in violation of my FCRA rights. 

These are the following inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This communication is in reference to the lack of response after the Affidavit of Truth Ive sent in order to address the violations of my rights MIDLAND CREDIT MANAGEMENT in violation of FDCPA and FCRA for the following : Failure to respond within 30 days of receiving of dispute letter ( 15 use 1692g ) ; Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies. 

MIDLAND CREDIT MANAGEMENT also doesn't have the right to furnish any information on my consumer credit report ( 15 usc 1681b ( 2 ) ) There are XXXX account being reported on my consumer credit report for this alleged debt. 

Attached are the documents that were sent out on XX/XX/2021 via certified mail
Product: Vehicle loan or lease

I called the company to make a large payment and they would not accept it so they closed the loan now they are calling and harassing my family members and just people with my same last name for the payment for the car. They call all day everyday
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, consumer and natural person who is a victim of identity theft. Transunion, XXXX, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their responsibility with fairness and respect to the consumer right to privacy Under the Gramm Leach Bliley Act of 1999. I enclosed all documentation social ID and statement.
Product: Debt collection

I have received 13 calls in the past two days from Comenity Bank regarding a credit card that is past due.
Product: Credit card

I believe the account is invalid. BARCLAYS BANK DELAWARE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. BARCLAYS BANK DELAWARE XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly stated that this is not my debt. I have a fraudulent account statement. I have sent it in. Ive gotten no response back not only that but from their own response, there is only XXXX {$320.00} balance yet. The credit report shows that theres a {$600.00} balance with a high balance of {$320.00} that doesnt even make sense thats invalid there Constantly changing their reports to Suit my proof and this is absolutely a violation on my rights and needs to be taken off of my report and I want to be paid my legal right of XXXX per violation for at least the XXXX violations that are clear as day the balance due and the dates opened as well as if the card is closed or not On my credit report, it states that it is closed under opportune then under the creditor that they sold it to it states unknown. But even under their own reporting, it says balance due zero how is that possible if XXXX being reported for nonpayment
Product: Debt collection

Company sent out a 50 % settlement offer for the full debt XXXX XXXX. I sent a check back with the amount, {$560.00}, and the company accepted it only as a partial payment, claiming they had no record of any debt negotiation. I thought I had made a mistake in the process, so I did nothing. Company again sent a 50 % offer for the remaining balance, so I was more diligent in sending the acceptance quickly and sent them a check in the amount of {$280.00} with the enclosed offer. Company again accepted it as only a partial payment, not an acceptance. When I called to inquire, Company told me that sending in a check did not constitute acceptance, and that I had to actually confirm the acceptance over the phone. My issue : sending in the checks unequivocally constituted an acceptance of the offer and were conditional on the settlement of the debt. Company is negotiating in bad faith and making up their own rules of acceptance. Offers never said anything about being conditional on further negotiation or acceptance over the phone, only that the checks would have to be received by a certain time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is infringing on the rights of The Consumer by reporting erroneous bankruptcy status on The Consumers XXXX consumer report and erroneously multiple late payments and charge offs on The Consumers XXXX consumer report simultaneously. The Consumer states that he has not received a correspondence from The Company granting The Consumer the option to opt-out, as explained in 15 U.S.C. 6802b. Therefore The Company is knowingly reporting inaccurate information and not properly verifying the information provided by the furnisher, which is a violation of 15 U.S Code 1681s2 - Duty of furnisher to provide accurate information. This action is ultimately causing harm and a defaming the character of The Consumer. Ive provided screen capture of Irs 2021 Publication stating the definition of canceled debt, as well as the inaccurate consumer reporting to be update or deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS REPORTING INACCURATE BALANCE OF XXXX. THE BALANCE WAS VERIFIED CORRECT ON XX/XX/23 THE CORECT BALANCE FOR ACCT XXXX IS XXXX. THIS IS A VIOLATION OF FCRA LAWS.
Product: Mortgage

On XXXX XXXX, 2021, I refinanced my home mortgage from SunTrust/ Truist XXXX XX/XX/XXXXXXXX XXXX XXXX As a result, I had an Escrow balance of {$13000.00} with SunTrust that should be refunded to me. I contacted SunTrust on 3 occasions when I did not receive the refund via a check in The US Mail. Per SunTrust Mortgage the checked was mailed on XX/XX/XXXX. However, as of XX/XX/XXXX the check has not been received. I requested that SunTrust reissue a new check but send either overnight with signature delivery or transfer electronically via my SunTrust checking account. I was advised by SunTrust that no additional action would be taken until after XX/XX/XXXX. This unacceptable, this my money and want it right away. I am asking that my Escrow refund be sent to me immediately.