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

IC Systems put a collection on my account dating back to XXXX. Originally it said XXXX XXXX and it now says XXXX. I was not aware of this until XXXX when I checked my credit. I sent a request to the credit bureau XXXX  to verify the validity. On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/XXXX XXXX  sent a letter stating that they had completed the investigation and the items were not deleted, as requested. On XX/XX/XXXX I sent a 2nd request for method of verification to send me all documentation provided by agency with my signature verifying this account is mine. On XX/XX/XXXX they sent a letter saying I needed to verify with the collection agency myself. I contacted IC SYSTEMS, XX/XX/XXXX and asked for validation of debt. IC SYTEMS, sent in response a collection notice. I followed up on XX/XX/XXXX with a Certified letter with proof of receipt asking for debt validation. In the letter I gave them 15 days to send this verification. As of this date I have received nothing from them. This is unacceptable!
Product: Credit reporting 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.

List of Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 seven 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 card or prepaid card

I purchased a Vanilla {$500.00} gift card for my girlfriend 's birthday on XX/XX/22. It was purchased at a supermarket about a mile from my home. I held on to the card until XX/XX/22 the actual birthday. When she tried to use the card, it had only XXXX cents left on the available balance. 
After checking online and calling customer service it seems that while I was in possession of the card someone was able to make a purchase in another supermarket XXXX miles from my home. For the entire amount of the gift card except for about XXXX cents. 
I filed a report with Vanilla the issuer of the card and they just keep telling me that it is under review. Its been 90 days so far.
Product: Debt collection

Capio Partners , LLC is a collection agency who bought an account from XXXX XXXX XXXX in XXXX XXXX for medical care that was rendered on XXXX/XXXX/XXXX. Capio Partner, LLC is reporting the date in XXXX XXXX as the date this account was opened opposed to the original date of XXXX/XXXX/XXXX. Also they are showing this account delinquent in XXXX XXXX opposed to XXXX/XXXX/XXXX. They have re-aged this account which is a violation of federal law.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX XXXX left a message that i was past due and today was the last day to get a payment in before there was a {$10.00} late fee tacked on to my acct. 
XX/XX/XXXX XXXX left a message that i was 19 days past due and they sent out a legal letter XX/XX/XXXX XXXX left a message saying they were going to keep calling me up to 5 times a day if if i didnt get back with them soon to situate everything out. 
XX/XX/XXXX XXXX left a message saying they got last months payment late and that that I said I was good for this month payment but they haven't heard from me. 
On XX/XX/XXXX they deducted XXXX dollars and then on XX/XX/XXXX they deducted XXXX dollars and when I tried to call them to let them know XXXX said that it didn't show that way on her side and then I asked her to refund the XXXX since that was the second amount taken and that I didnt authorize XXXX to be taken out of my account only XXXX. I also told her I wasnt sure my payment dates or the amount due and she said in a rude like manner that I should know all that because they went over that at the beginning of the loan IN XXXX!!!!
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with unknown addresses that I never lived at keep reappearing on my credit file XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX OH XXXX, I believe it is a error and possibly another XXXX XXXX and Our files have been confused somehow to my file TRANS UNION # XXXX, XXXX Report number XXXX, XXXX XXXX. I have attached at copy of my OHIO STATE ID for proof and verification.
Product: Credit reporting or other personal consumer reports

I have two inquires on my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This collection called Monterey Collection was on my credit report for an amount of XXXX and when I called them I spoke to a XXXX XXXX she told me that they was a debt collector from a company called XXXX XXXX and that I opened an account at a vacation resort in XXXX, Florida, XX/XX/2019 I didnt proceeded on to ask her. Can I get a copy of this contract she said yes, we waited for XXXX XXXX to produce a contract and in which they never done so I told her in the beginning I never been to XXXX, Florida, and I never opened up an account with XXXX XXXX in person she then put in a dispute on my behalf with the fraud department on their end, so that it can be investigated.
Product: Credit reporting or other personal consumer reports

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I've had reached out several time to the Genesis credit management DBA Columbia credit recovery to send over an original signed agreement contract showing that I am obligated to pay Columbia credit recovery a debt of {$310.00} which that I do not owe them and they fail to comply to my request on sending over the original agreement showing that I owe Genesis credit management DBA Columbia credit recovery. They sent over a copied doc of a signed paper of a break down bill from a different company besides themselves which the signature on the paper does not match my signature. This is most definitely violating my rights under 48 USC 2106 Failure to regulate business practices by law. 

If the furnisher can not provide evidence to verify the accuracy of the information after a dispute, they are required to remove or correct the information in the credit report. 

Also, there are two different balances being reported on my credit report and mailed out by Columbia credit recovery {$300.00} and {$310.00}. This falls under 15 U.S. code 1681s- inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 a dispute was filed with XXXX XXXX and Transunion regarding an account that was open fraudulently. I have contacted the creditor, creditor closed the account due to fraudulent issues. As I reach out to the XXXX XXXX and transunion, they are refusing stating it meets FCRA guidelines. Such statement is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX XXXX and XXXX are reporting misleading information. It's been over 30days and they still have not acknowledged my identity theft report. Please help me resolve this issue.
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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am a resident of Texas traveling abroad. In XX/XX/XXXX, before I left town with my wife for a 6-month stay in XXXX, I filled out a form to add her to my Charles Schwab account so that she could have a debit card in her name. A few weeks later, Schwab froze the account because they said they could not verify that my wife was a US resident. My wife has a US passport and has resided in the United States continuously since she was XXXX years old. Over the phone, they asked my wife if she was living in XXXX and when she told them yes, meaning that XXXX is currently where she is staying. When she later attempted to clarify that she is not a resident of XXXX and is only in XXXX temporarily, they claimed that was not what she said over the phone and refused to unfreeze the account. They have also frozen an attached brokerage account. The total value of the two accounts is more than {$80000.00}. I offered to furnish Schwab with numerous pieces of proof that my wife is a US resident, including utility bills with her name on them, but they refused to accept any form of proof, claiming that her statement to them was evidence that she is not a US resident. They also will not remove her name from the account and will not transfer the account funds to any other account unless it has both of our names on it. I now face the task of having to open a new account with a different brokerage company while I am overseas if I want access to my equities. That has caused me considerable hardship.
Product: Credit card or prepaid card

On XX/XX/2600 was taken out my usbankrelibal card I didnt find out until XX/XX/XXXX I was told to contact the state cause who ever took it out was called Covid change pre paid so I then contact the state and was told I did no own any money and they never heard of that name and to file a police report and contact all 3 credit report watch I have then I contact the bank back then was told the bank took it out my accident its now over a month and no updates on my account and no one Im not helping me at all
Product: Debt collection

After retrieving copies of My credit report. I sent a request for validation on XX/XX/18 to Lanier collection agency regarding 3 different accounts listed by CRAs. Lanier Collection Agency have failed to respond within 30 days as allotted by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an XXXX who has used credit in the past, I was more than likely part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, Experian, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally, and through a central service that applies the freeze throughout the ecosystem rather than requiring consumers to waste time contacting each individual agency. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Debt collection

VALIDATION AND CEASE AND Desist To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX SERVICES : # XXXX, XXXX CARD : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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: Debt collection

I am writing to formally submit a complaint against Absolute Resolution Inv for the following reasons : 1. Inaccurate reporting the bank has reported inaccurate information regarding my account to credit reporting agencies this misinformation has adversely affected my credit score and financial standing.

2. Misuse of Federal Reserve loans, I am concerned that Absolute Resolution Inv may be abusing loans obtained from the federal Reserve it appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relations to accounts.

3.Abuse of Insurance Policy, The bank charged me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be and abuse of the insurance coverage and has resulted in additional financial burden on my part.

4. Absolute Resolution Inv is in violation of the Fair Credit Reporting Act and Privacy Act of 1974 as they continue to furnish information to my consumer Report without providing me a Privacy Notice 12 CFR 1016.4
Product: Credit reporting 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 : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 seven 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

I've called Equifax 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. Equifax stated my dispute results will remain online for 30 days but I'm unable to see them. 
My Equifax 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: Vehicle loan or lease

I PURCHASED A NEW HARLEY DAVIDSON SEVERAL YEARS BACK. I MADE THE PAYMENTS ON TIME. IN MORE RECENT YEARS I HAD A FEW ISSUES FINANCIALLY THAT CAUSED ME TO GO OFF MY PAYMENT TRACK. I LOST MY JOB TWICE AND TRIED TO CATCH UP AS QUICKLY AS I COULD. BUT MY HOLE WAS DUG TOO DEEP. I FELL BEHIND WITH XXXX XXXX XXXX BY 90 DAYS. I CONTACTED THEM VERY FREQUENTLY AS I TOLD THEM I WAS MAKING EVERY EFFORT TO PAY THEM OR I PAID WHAT I COULD BUT IT WOULD NOT TAKE ME OUT OF 90 DAYS. THEN I RECIEVED MY TAX RETURN AND PAID THE BALANCE IN FULL AND ASKED IF THEY COULD REMOVE THE NEGATIVE MARKS OFF OF MY REPORT SINCE I WAS PAYING IN FULL. I WAS TOLD NO THEY WERE WELL WITHIN THEIR RIGHT TO REPORT ON ME. IT IS FOR THIS REASON I WILL NEVER BUY ONE OF THEIR VEHICLES AGAIN. I WENT THROUGH A HARDSHIP AND FOUND A WAY TO PAY IN FULL WHAT I OWED, THEN I ASK FOR HELP AND THEY SPIT IN MY FACE. I JUST WANT MY PAID IN FULL ACCOUNT REMOVED OFF OF MY CREDIT REPORT. MYSELF AND LEGAL TEAM HAS NOT HAD ANY RESULTS. I WILL ATTACH A COPY OF THE CREDIT REPORT SHOWING THE ACCOUNT AND A LETTER I RECENTLY RECIEVED BACK FROM THEM ABOUT MY DISPUTE. WHEN I AND THE LEGAL TEAM DISPUTED THE ISSUE I SENT A CERTIFIED MAIL LETTER CONTAINING MY REQUEST AS WELL AS A COPY OF THE CREDIT AGENCIES REPORTING THE NEGATIVE INFORMATION. ON THE LETTER HAD ALL MY PERSONAL INFORMATION. HOWEVER THEY SEND A LETTER BACK STATING THAT THEY DID NOT HAVE ENOUGH INFORMATION FOR A CLAIM. THIS IS HOW THEY KEEP AVIODING US. I AM JUST ASKING FOR FAIR TREATMENT FROM A PAID OFF CREDITOR. IT SHOULD NO LONGER BE AN ISSUE FOR THEM TO REPORT ON ME THEY HAVE BEEN PAID. I HOPE YOUR ORGANIZATION CAN PLEASE HELP ME.
Product: Credit reporting

I was the victim of ID Theft on XXXX XXXX, XXXX. The FTC Complaint form, police report and all ID Documents were sent to the loan company, and they agreed to remove the Hard Inquiry from my Equifax report. This has NOT been done. I have made countless calls to the XXXX XXXX XXXX, and Equifax with no results. XXXX XXXX has insisted they have done the electronic update twice, per Equifax instructions. Equifax has insisted they have not done this. The other loan companies and credit reporting agencies have cooperated fully, and quickly. The hard inquiries were removed by late XXXX of XXXX. This is the lone problem on any of my reports, and it needs to be resolved. I have decided the only way to expedite this action is to file a complaint with both parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the Experian credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute the unauthorized account that reporting on my credit report. Since this is a strict violation of FCRA laws I need the account removed from my file as soon as possible XXXX XXXX XXXX XXXX XXXXXXXX Balance : - Date Opened : XX/XX/20XXXX XXXX
Product: Bank account or service

In XXXX/XXXX/XXXX, I have open a new checking account and deposit {$15000.00} with city bank. I can get {$400.00} Cash bonus if I keep the minimum balance of {$15000.00} for the next 30 days that city bank said. But after 30 days they have't gave me the bonus. I went to city bank 3 times to ask my bonus back but they said that I have to wait the city bank main office send the bonus to my account. Today is XXXX/XXXX/XXXX, I am still waiting ...