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

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Right now, I'm not certain that you followed all of the Fair Credit Reporting Act 's criteria when conducting your investigation. This was already included in my prior COMPLAINT Numbers : XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$89.00}
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I bought a {$260.00} gift card From American Express and when I went to make an online purchase it said the card issuer was declining my purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

When my bankruptcy was discharged in 2013 I reaffirmed my house with XXXX XXXX XXXX loan # XXXX. They sold it to Greentree loan # XXXX who sold it to Ditech loan # XXXX. Neither Greentree or Ditech have ever reported my on time payment history for the past 4 years, which would make my credit scores 100 points higher than they are now. I can not sell this house and buy another one until they report accurately my on time payments to all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax the XXXX XXXX Credit bureau needs to refund cost of our freeze or cost to lift it and it has failed to explain how to obtain reimbursement.
Product: Debt collection

SEQUIUM ASSET SOLUTIONS : illegally placed debt on my credit report without properly verify the debt actually belongs to me. I never received any notification on this debt, from the above company, nor did I get a chance to respond to this incorrect debt. The debt collector never allowed me a request for VALIDATION pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay this debt, and that they are legally allowed to collect any debts in my state they are in non-compliance with this request to allow me to validate this incorrect debt.to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
Product: Debt collection

I have been getting multiple calls from multiple different numbers even after blocking some. 
On XX/XX/22 while I was at work I got another call and decided to answer it thinking it was a rental property from one of the properties I wanted to view. Instead it was someone from midland credit management I was planning on telling them to stop calling and hanging up, but they mentioned that I would be facing a lawsuit if I had not paid my debt to a XXXX XXXX credit card I had awhile ago. I told the guy I would start paying my credit cards as soon as I get back on my feet but told me they needed some sort of payment agreement so I can get the lawsuit off of me for. So I had agreed to pay {$50.00} every two weeks he sent me an email stating it had me consent to it while he was on the phone and set up my account. I mentioned I would make the payment when I got home cause I was at work but he insisted that I needed to make a payment so the creditors can see I will be making payments and not file a lawsuit on me. So I made a payment of {$50.00} while he was still on the phone so I can get them to back off from me for a bit. Since I didn't choose recurring payments he said the agreement would not be proceeded since and I'll still be hearing from soemone. To change that I had to allow him by consenting through a voice operation touch pad so he can make the change to recurring payments, pretty much meaning I had to do a electronic signature over the phone by pressing any key on my dial pad. Finally after all that he was done I believed I was actully facing a lawsuit come to find out from my fianc that they aren't allowed to threaten someone with something like that especially him being so insistent on getting the account and payment done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my recent credit report, and found accounts and inquiries that I did not recognize. These accounts are fraudulent and I have never given authorization for these accounts. There were multiple inquiries reported on XX/XX/XXXX of XXXX and more on XX/XX/XXXX of XXXX, that I have never applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry is on my credit report from XXXX XXXX. Ive contacted all 3 major credit bureaus on XX/XX/2021 and told them that it wasnt mines and that I had no knowledge of it and they refuse to move the hard inquiry or even considered that Im a victim of identity theft.
Product: Debt collection

Controlled Credit Corporation XXXX XXXX. XXXX XXXX XXXX OH XXXX This company has already contacted me for debt payment regarding XXXX XXXX XXXX. The payment has already been made to some person calling from their office. No receipt or acknowledgement sent. 

They keep asking about the same debt that was being paid. It appears they dont keep records and continue harassing customers. 

As indicated by University of XXXX XXXX Billing supervisor, it is against the hospital policy to continue harassing about reporting to credit bureau, in addition to their mismanagement of customer records. 

1. Information regarding the debt : a ) The debt has already been settled. 
b ) They owe me a refund on the debt, since XXXX hospital was using this fraudulent charge ( outrageously charged my insurance ) for non specific services performed without the knowledge of the patient. 
c ) XXXX hospital has been proved a big fake trying to make money with deliberate and misleading diagnosis. For example, using a patient who is perfectly healthy as a disabled fellow and trying to get money out of him. 

2. And, XXXX hospitals employ a bunch of collection agencies to make sure they get the left over scraps from the patient, after their insurances are duly attested.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report, which I obtained from your agency. Under the Fair Credit Reporting Act ( FCRA ) 1681o, I am asserting my rights regarding the negligent reporting of inaccurate information.

The following item ( s ) on my credit report are incorrect : XXXX. XXXX XXXX ( XXXX ) XXXX : paid amount off, This account was closed XXXX XXXX XXXX. XXXX XXXX  XXXX ( XXXX ) XXXX : This account was closed XXXX XXXX XXXX. XXXX XXXX ( XXXX ) XXXX : paid amount off, account was closed XXXX XXXX XXXX. XXXX  XXXX ( XXXX ) XXXX : paid amount off, account was closed XXXX XXXX I have attached copies of supporting documents, including identity to substantiate my dispute. 

Under the FCRA, you are required to investigate this matter and correct any inaccuracies within XXXX  days. If the disputed information is not corrected or removed, I will be forced to escalate my claim, which may include seeking damages for negligent noncompliance under 1681o. 

Please provide me with a written response confirming the results of your investigation and any corrections made. If you find the information to be accurate, kindly provide documentation proving its legitimacy. 

I appreciate your prompt attention to this matter and look forward to your response. You may reach me at ( XXXX ) XXXX or XXXX if you need any further information. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX  XXXX XXXX Experian XXXX XXXX XXXX  XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Debt collection

On Monday, XX/XX/2021, I received incessant phone calls and multiple voice messages from " XXXX '' asking if I wanted to " dispute the charge. '' Below are listed the dates and times ( PST ) of voice messages received from " XXXX. '' The message was always cut off, and I only heard the following from an automated-type of voice : " ... to dispute the charge, press one to connect with our XXXX customer care representative XXXX Thank you. '' XX/XX/XXXX : XXXX am, from XXXX, CA, phone number ( XXXX ) XXXX XXXX am, from XXXX, CA, phone number ( XXXX ) XXXX XXXX am, from XXXX, CA, phone number ( XXXX ) XXXX XX/XX/XXXX : XXXX am, from XXXX, CA, phone number ( XXXX ) XXXX XXXX I usually ignore these calls, but when I received the same voice message on the XXXX, I had enough. I searched for XXXX Customer Care number online and spoke to XXXX who informed me the messages were definitely not coming from XXXX and that I didn't owe any money. He strongly advised I file a report to the Federal Trade Commission and follow the guidelines for fraudulent activity in XXXX 's Help page. While I haven't yet, I plan to file a report to the Federal Trade Commission next. 

Thank you! 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed the following accounts with the credit bureaus, they are the product of identity theft, I have already provided an FTC report to the bureaus, I have called the creditors directly but they have not provided me any documents proving that I applied with them. The items in question, account number, balance and date they were open are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information that transunion is reporting ( Bankruptcy ). First they replied saying they're receiving information from the courts public documents and from XXXX I have already reached out to the courts and XXXX about this bankruptcy and XXXX was not able to validate this bankruptcy and has since deleted it from they records. I have submitted XXXX letter of deletion to transunion and they have not submitted proof of their verification. Due to section code 1681i if they can not show proper validation ( original contract, signature, ID etc it must be removed. The courts have also verified they do not report to the bureaus! I am in the process of buying my first home and this is greatly affecting me!
Product: Checking or savings account

On the night of XX/XX/XXXX in the streets of XXXX, my friend and I we're walking on the way to a Volunteer after party at XXXX after volunteering in the XXXX convention for approximately 4 days. While on the way, 2 random gentlemen that I have no clue snatched my phone while walking to the venue, started threatening my friend and I by pointing at their pants, indicating they must've carried a weapon, and kept threatening us, while using my phone at the same time. In that timeframe, the person used XXXX to transfer themselves XXXX XXXX to their account as well as accessing my Chime account to transfer themselves another XXXX XXXX Never having dealt with such a situation, I immediately called the Chime dispute team to try and dispute the charge as the trying to remedy the situation. The person on the phone assured me that their investigated team would solve the situation in the timeframe of 10 days, and that in the meantime, I would be granted a temporary credit of XXXX dollars given that I've never had an issue with this banking system prior. No later than 24 hours, my dispute is closed and denied. I called back the dispute team immediately, only for them to reassure me that the investigation could not have concluded in that immediate matter of 24 hours, and that there errors, and the case would reopen. Since, my case has yet to reopen, and my avenues to try and contact the dispute team has only been met with automated messages, and I've yet to receive the " investigation '' documents that I was promised regarding my case. If chime just checked the other person 's account as shown in my supporting documents, as see their suspicious activities, it would be obvious that they obviously stole the indicated money as stated. Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

I've asked for verification of procedures which they have failed to explain ... each of my credit reports show different inaccurate after their verification process, I believe XXXX XXXX Transunion has violated my consumer right and is damaging my credit report! 
I have attached proof of these in inaccuracies with highlighted dates to cross reference
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX Dates letters sent XXXX XXXX, XX/XX/2023 XXXX Credit Amount : {$500.00} Sent letters stating this account is not mine, does not belong to me. No response
Product: Credit reporting or other personal consumer reports

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead it is you who are the actual furnisher and this account is reporting inaccurately. 
Bankruptcy XXXX XXXX-discharged Reference # XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Sales credit card is reporting a late payment but I informed them I filed bankruptcy chat XXXX not sure why this was not updated I filed XX/XX/year> and it was XXXX XX/XX/year>
Product: Credit card or prepaid card

A relative purchased a gift card for my birthday. Unfortunately, I lost this gift card. I was able to obtain the gift card receipt ( Proof of Purchase ). The gift card was purchased at XXXX grocery store in XXXX, VA. I contacted American Express and faxed over the documents in XX/XX/2018. I received a letter from American Express stating that they could not process the gift card and/or issue a new gift card. American Express has made the entire process arduous. I filed numerous complaints with the Better Business Bureau. Please reference Complaint ID : XXXX. I am requesting the assistance from the Consumer Financial Protection Bureau in efforts to obtain replacement card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I believe that this account ( s ) is invalid or contains incorrect information. Please validate this account ( s ) in its entirety or remove this entry from my credit report immediately. Thank you. 

XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I sent money on Zelle to someone multiple times. And it was the correct person, but that person filed a complaint and the money was taken out of my account almost XXXX  months later too, and I
Product: Credit card

XX/XX/2016, I used my XXXX card to purchase a dress for {$29.00}. At that time my card had a XXXX balance and my available credit was {$300.00}. About a week later, I returned the merchandise to the store. Knowing that I was back to XXXX balance again I saved my card and I did not use it. XX/XX/2016 I get a bill for late fees that have accumulated since then. I have called the credit card company 6 times and I am not satisfied with their answer. They want me to pay a balance of {$200.00} dollars just late fees. I have been unable to use the card since XX/XX/2016 and I requested them to close the account. The amount was " closed '' but the late fees continue to accumulate. I have made one payment to solve this debt last week and finally they offered to open a dispute today and they tell me that it is going to take 60 days for them to respond to the dispute. Meanwhile, the late fees are going to continue to accumulate. I have asked to speak with a supervisor and a supervisor is apparently never available. The credit card also claims that the balance is due to the assure fees of XXXX cents a month which are creating a fake balance and therefore causing late fees to accumulate. My credit is being affected and I have to pay XXXX dollars that I did not use or benefit from
Product: Debt collection

I received a phone call from a debt collection agency about a property that I owed money on in XXXX XXXXXXXX XXXX I live in XXXXXXXX XXXX XXXX, and have never even been to XXXX XXXX XXXX. The Collection Agency is called COLUMBIA DEBT RECOVERY LLC DBA GENESIS. I suspect that this is Identity Theft as I have never been to this property nor authorized a purchase of any kind.
Product: Money transfer, virtual currency, or money service

Someone had to send me money and the only platform they had was venmo. So I created an account. I received the money and it showed a balance. Upon trying to get the money off of venmo I was told I couldn't unless I confirmed some info. This was never told to me up front. well i confirmed my info and submitted my license and social security photos of these highly sensitive documents. My documenation was then approved to transfer and do what i wanted with my funds. So I decided I would try and buy some crypto. Purchased the crypto again without issue. Now I try to send the crypto XXXX to a personal wallet of mine. all i get is the error " '' things don't appear to be working right now '' l 've tried sending to multiple wallets and get the same error and it has been occuring since yesterday. At the moment I have the funds in the account. no holds, all of my identity stuff is up to date and approved, and they are not allowing me to send my funds! My username is XXXX  This morning they finally reached out to me telling me my account was frozen but wouldnt supply a reason. they asked me to upload a form of identification. I did that yesterday and it was approved, but I went ahead and uploaded a photo of my license again, AND even included my passport as well. I've heard nothing since. They are just looking for ways to get private information and steal money. how can they allow so many people to use their service to purchase crypto then after buying, freeze their accounts and ask for the same ID over and over again. They are FRAUDING us
Product: Credit card

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous inquiries on my credit report that were not open by me. This has been hurting me as I am in process of buying a home for my family. Please remove the fraudulent inquiries from my credit report as soon as possible. 

XXXX inquiry date XX/XX/23 XXXX XXXX inquiry date XX/XX/23 XXXX inquiry date XX/XX/23
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting of late payments by KIA FIN AM to the credit bureaus. Their records indicate that several payments have been marked as late, despite the fact that all payments were made on time. This false information is severely damaging my credit score and misrepresenting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market tn buy a home, so i checked my credit report and notice some items that i do not recognize and did not approve. These items were not authorized by me and i need these items removed from my credit report asap. I have reached out to the city poilce and the FTC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bankruptcy chapter XXXX-discharged, Bankruptcy : Discharged XXXX, Chapter XXXX bankruptcy discharged.