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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just reviewed my credit file I have included the following inquiries showing up on my XXXX XXXX have been XXXX during this time I did not authorized these inquiries. These companies did not have permissible purpose or my written permission to run my credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent signed requests to XXXX, Experian, and XXXX to inquire about the sources used to verify the bankruptcies listed on my credit report. These requests were aimed to validate the accuracy of the information reported in compliance with the Fair Credit Reporting Act. However, only XXXX responded and removed the bankruptcies from my credit report. 

Both XXXX and Experian failed to respond to my inquiry. So I sent signed follow-up letters to both on XX/XX/. Again, no information or updates on the status of my requests have been provided by either agency. The lack of response has left me unable to address and dispute the potential inaccuracies on my credit report, which are significantly impacting my credit standing and financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the TransUnion credit bureau, File # XXXX and disputed items from US Dept of Education and and XXXX XXXX XXXX XXXX on XX/XX/2020. The credit bureau did not remove the items. Also, XXXX and XXXX credit bureau is reporting same incorrect information.
Product: Credit card or prepaid card

On XX/XX/2022 a fraudulent plumbing contractor in XXXX, Texas, obtained over {$8000.00} from GreenSky by setting up an account in my name. When I discovered that I had been defrauded, I informed GreenSky in writing, on XX/XX/2022 not to release any money to the fraudulent plumber. However, in XX/XX/2022, GreenSky paid the fraudulent plumber and began trying to collect the money from me. Although I attempted to communicate with them, they have refused to cooperate despite their so-called client 's bill of rights. They are now demanding that I make monthly payments on the debt they created against my will.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate and misleading reporting of the XXXX XXXX XXXX account # XXXX on my credit report. The account is reported with discrepancies across the three major credit bureaus : XXXX : Last active date is XXXX, listed as collection or charge off. 
Equifax : Last active date is XXXX, listed as collection or charge off. 
XXXX : Last active date is XXXX, listed as collection or charge off. 

I also wish to highlight that this account was sold without my consent, which is a violation of my right to privacy. Additionally, if the account was indeed sold, I should have been provided with proper documentation, including a 1099 form, which I did not receive. These actions are in direct violation of my consumer rights under federal law.

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and fair reporting of consumer information ( 15 U.S.C. 1681e ( b ) ). The discrepancies in the dates last active and the incorrect reporting of the account as a collection or charge off, despite my lack of consent, constitute a violation of this requirement. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) mandates accurate reporting of collection accounts, which has not been followed in this case. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The unauthorized sale of my account without proper documentation or my consent is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. Moreover, the failure to provide a 1099 form or any other relevant documentation if the account was sold violates 15 U.S.C. 1692g, which requires debt collectors to validate and verify debt information accurately.

Request for Immediate Action : In light of these violations, I am requesting the immediate removal of the XXXX XXXX XXXX account # XXXX from my credit report with all three credit bureaus. Additionally, I request that you provide me with an updated copy of my credit report reflecting this correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXXXXXX XXXX as a driver to deliver food. XXXX XXXX run a credit report and it came up with wrong information. It said I was in a fraud investigation., and I'm on public assistance, not true I'm unemployed, someone used my identity for unemployment. I was involved in identity theft. All wrong information is given on my credit report.
Product: Debt collection

I received numerous voicemails and am typing verbatim the message left. 

" This message is intended for XXXX XXXX ( spelled wrong ) my name is XXXX XXXX ( False name ) with XXXX XXXX   Customer Service. I'm calling regarding some paperwork that I received in my office yesterday under your name and social security number. You do need to be advised that I have request to place on my schedule a certified notice of intent regarding civil pending claim being filed against you. So before I saw your residence or even your place of employment I'm giving you a courtesy call to inform you you will be placed on my schedule to serve. All questions concerning this matter you need to contact XXXX. Refer your claim number XXXX.

The number referenced is different than the number called from which is XXXX I called back spoke with a person who identified herself as XXXX. I asked for documentation as I was unclear what she was talking about. Her response was I would get the info in court. Out of fear I paid this woman {$100.00} which I will never get back.She also stated there would be a {$120.00} processing fee. She stated she would email a credit card authorization form to me which she did not. I had to change bank accounts and am just trying to warn others. This company is not legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've looked at my accounts across three different major bureaus and non of them have my current address and the previous ones are incorrect. I've contacted and submitted supporting documents to all of them as far as XXXX, TransUnion, and XXXX with non of them properly updating the info
Product: Checking or savings account

I reported Fraud to One West Bank on XX/XX/XXXX. One West is always closed, computers down for days, hanging up on customers, etc. One West keeps LYING putting off CREDIT to my account. I went in and signed a Fraud Affidavit dated XX/XX/XXXX WHICH IS ATTACHED AND CALLED Fraud into Customer Service. Everyone said I would receive credit in 10 days. Then One West lied and CHANGED IT TO 10 BUSINESS DAYS. On XX/XX/XXXX XXXX XXXX, Supervisor PROMISED my account would be credited on XX/XX/XXXX. I HAVE NOT RECEIVED MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX XXXX Accounts # XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

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

I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called Synchrony via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have, after received the response to XXXX complaint, # XXXX, exclaims appropriate by Wells Fargo XXXX XXXX XXXX XXXX XXXX, the letter dated XX/XX/2024, contained malfunctions, phone address, be relevant reach agents, exclaimed by the letter 's composition indications, should be correct available, in order further discuss remedy my complaint, attempt to contact both XXXX XXXX XXXX XXXX of XXXX XXXX branch, at ( XXXX ) XXXX, and XXXX XXXX XXXX, author, of the response letter, office, Escalations Representative, attending XXXX XXXX XXXX, his phone address be exclaim, ( XXXX ) XXXX ; Theirs phone 's malfunction. 
I was again become very upset with regards the continue malfunctions at concerns there Wells Fargo relevant, at other primary juris. banking errors. 
I have been very much caused upset mine VA diagnosedXXXX XXXX XXXX XXXX, again by this incident, concerns Wells Fargo 's phone address malfunction, and I am compel by here incident, caused additional injury, upset to illness, ask Wells Fargo bank 's management for an by law should be available me, now " claim form to injury '' jurisdiction, that occurs by fault Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disappointed that this company, continues to operate in bad faith per Federal Trade Commission ( see 15 USC 41, et seq. ), They say they have verified the bankruptcies with the third party company XXXX. I have provided documents from XXXX that there is no bankruptcies in my file. Also I have a security freeze on my XXXX account that can not be accessed by no one but me. So how did they verify and why wo n't they validate who they spoke to or provide documentation bearing my signature??? They 've repeatedly failed to provide me with a copy of any viable evidence submitted by US Federal Bk CT XXXX GA or XXXX I 've asked for " Validation '' and Experian has not provide me any. I provide proof ... ... THEY HAVE NOT!!!!! For the last three months they have said they 've verified but provided no validation. No one for the last 6 months had any inquiry into my XXXX account. NO ONE! Experian, is not being truthful and operating in bad faith, simply for profit. Someone needs to hold them accountable. There is no way they verified or more importantly validated any bankruptcies with my social from XXXX! I ask that you reopen this dispute and get to the bottom of there deceitful actions!!!!! They are saying they did an investigation, when in fact they have not! They have no access to my file, cause if they did, they would be deleting the incorrect data on my credit report!!!!! I have the proof, they do n't ... ... HOLD THEM ACCOUNTABLE!!!!!!! I am asking for " VALIDATION ''!!!!!!!!!!!!!! Here are the statutes in which this company is in current violation : 1. Falsely representing the amount of alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) ( A ). 2. Failing to report an account as disputed within 30 days on my credit reports after receiving my requests for debt validation, thereby violating the FCRA 15 U.S.C. 1681i ( c ) Notification of consumer dispute in subsequent consumer reports. 3. Failing to accurately report information on my credit report, thereby violating the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. This is a demand for a response, on point, in writing, hand signed, and in a timely manner, agreeing to remove this listing from my credit reports and any other entity that reported this information to. Any other action or in-action on your part and this will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against this company for violation of the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and Defamation.
Product: Money transfer, virtual currency, or money service

Was not able recoup money sent to wrong party back at the beginning of Zelle in XXXX was unable to get money back. 
I lost {$500.00} to a {$1000.00} and a was unable to get the funds back and I was not made aware that I could not get refunded my finances. This led to suffering food insecurity.
Product: Credit card or prepaid card

I had three business credit cards accounts and I was always in good standing never late. I paid them off in full then they closed all three of my cards for what reason I dont know why I feel its an act of discrimination
Product: Mortgage

Ran into financial difficult after a lengthy battle with XXXX XXXX. Lender said they would modify and never did. They filed for foreclosure and wont talk to me. Ive sent in completed loan modification applications without any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payoff/settlement agreed via letter dated XX/XX/19 - amount agreed {$14000.00} by XX/XX/19 to satisfy loan in full. Amount sent overnight and signed for received in accordance to offer - check cashed. Title never released. Eight months later after repeated requests for communication and explanation, still no title and loan balance on recent statement shows loan is still open. 
Loan has not been reported as satisfied to all credit reporting agencies as of this date even though the loan was paid in full in accordance to payoff agreement XX/XX/19. 
Still no communication or explanation from Flagship Credit Acceptance in XXXX XXXX PA after repeated written and verbal requests. 
My rights under FCRA have been violated and I believe fraud is involved. I need this resolved ASAP.
Product: Credit card or prepaid card

Barclays decreased my credit limit from XXXX to XXXX for being late one time this year.My credit sore lowered by 44 points, my balance with Barclays was {$660.00} and since my credit limit is XXXX my credit report showed high balance usage. The late payment was due to a mail man mistake and as soon I found out I contacted Barclays and they responded by lowering my credit limit.
Product: Credit reporting or other personal consumer reports

The unverified ACCOUNTS indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these ACCOUNTS to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following ACCOUNTS to be corrected from my file right away XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX/XXXX XXXX, account number XXXX ; 2. ) XXXX/XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) Bankruptcy, case number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Credit reporting or other personal consumer reports

PLEASE INVESTIGATE AND DELETE THESE ENCLOSED ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly statos that I have the right to privacy. U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. U.S.C 1666B : A creditor may not treat a payment on a credit card account under ar open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immadiately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit card

I successfully disputed over {$4000.00} in charges for products that were not never fulfilled. Amex accepted my disputes over XXXX months ago and my account was credited. I requested the funds back and Amex has not sent the funds. They were supposed to submit those funds back to me within XXXX days of my request. And now they have held those funds for more than XXXX months, which is against their own terms of service. Attached are XXXX months of statements showing the credit balance. I simply want returned money Amex has already credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This debt is becoming and more convoluted. I have been contacted by FOUR companies regarding this debt ( see attached ). I have never spoken to anyone regarding this debit until XX/XX/XXXX ( first time ever ). I did receive ONE email in XX/XX/XXXX, which went into SPAM and I didnt realize it until recently when I went to check after getting all these harassing calls. This debt is supposedly with XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX- this is RIDICULOUS! I shouldnt be contacted by all these companies at one time for a debt ( an almost 5 year-old debt from my understanding ). On my Equifax, it's listed that it opened in XXXX. Yet, XXXX said it was XXXX, which is it?????? Today is XXXX XXXX XXXX and even today do I get calls ON A HOLIDAY!!!! The attached says this debt came from XXXX XXXX  - Ive never even heard of XXXX XXXX OR ANY OF THESE people until XXXX XXXX! The abuse I get ( and my mother who is XXXX XXXX XXXX in the XXXX ) is OUTRAGEOUS!! I asked your representative to please stop calling me and I was literally told : " THIS IS THE UNITED STATES - WE CAN DO WHAT WE WANT '' - I am not sure which company it was because different companies are calling regarding for this ONE debt. I am reporting this to as many entities as I can because the attachment ( sent XX/XX/XXXX ) CLEARLY STATES IT WOULD NOT GO ON MY CREDIT REPORT DUE TO THE AGE AND YOU DID IT ANYWAY!! YOU ARE LIARS!!! If you lie about this you will lie about anything including this debit ( I am not even given the right date as to when it was opened and defaulted )! I want the calls to me and my family TO STOP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Debt collection

My name is XXXX XXXX XXXX. In XXXX of XXXX I was a victim of Identity theft. When I applied for my unemployment benefits for the month of XXXX an unknown person had taken my identity, changed my email address and stole my benefits for the month of XXXX. I was unaware of the identity theft until I went to Career Link to apply for employment, and they noticed I had a second email address and a resume with false information that I did not recognize. I notified the PA Unemployment Office immediately. I was told that an investigation will be performed. In XXXX of XXXX, I received a letter from XXXX XXXX stating that I owed {$1100.00} to Midland Credit Management Inc, a collection agency. When I contacted Midland, they told me that they were attempting to collect a debt that was owed to XXXX XXXX Bank. I let them know that I have never owned a credit card from XXXX XXXX Bank. Midland gave me the phone number to call XXXX XXXX Bank. I also received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX  of Pennsylvania stating I have to appear in court on XX/XX/XXXX, at XXXX. in reference to this debt that I never acquired. I was then told to report this to the Federal Trade Commission online and it has led me to this website.