23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I checked my credit report and seen Debt Recovery Soultions is reporting  XXXX  accounts stating that I owe them. I sent the agency a  XXXX  validation letter asking to provide proof and my signature stating I gave them permission and access to my personality information. Debt Soultions sent a letter NOT  VALIDATING  my information but verifying information. I see a lot of things on the verification letter that 's incorrect. The phone number that they have on the letter  XXXX  NEVER had that number. The service date that they provide does not match the service date that 's on my credit report. Debt Soultions stay the service date on the account is from  XX/XX/XXXX ,   XXXX  and the  Service date on my   account says  XX/XX/XXXXX    Debt Recovery Soultions will not send me validation of this debt they only sent me verification that 's very incorrect. Debt Soultions failed to verify information. I 'm sending a second letter asking for validation .Debt Soultions also wrote in the letter that " the amount in hbd due from patient column on the enclosed is   XXXX    because the account has been charged off as delinquent ". There is information that 's on their letter that does not match my information
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several hard inquiries that I DID not authorize. I've also contacted the companies and the bureaus. I sent letters and did online disputes with NO RESOLUTION. 

Here are the one inquiries that I did NOT authorize : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX XXXX XXXXXXXX ) XXXX Institution Information XXXX XXXX  XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank Institution Information XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX XXXX ) XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Bank ( XXXX XXXX XXXX Institution Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

These inquiries are not related to me, and I have no connection with the listed creditors. Please remove them from my credit report immediately.
Product: Mortgage

Applied to refinance a conventional loan to va loan. When locking in the rate I had to pay an appraisal fee of {$490.00} and a credit report fee of {$21.00}. A few days later the loan was cancelled due to a 6 months seasoning requirement on the current loan to refinance to a va loan. I even asked the loan officer multiple times to make sure it could be done as other banks had told me similar. Loan officer could see all this information from the initial credit report but still told me loandepot would be able to do it. After a few weeks I finally got an email stating that only the {$490.00} appraisal would be refunded. Loan officer said credit report fee would not be refunded even though the cancellation of the loan was due to their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX     account that was opened  XXXX  was charged off in  XXXX . Item was paid in full  XXXX   XXXX .   XXXX   and Transunion are both still reporting this account as late for a payment status instead of paid. Also,   XXXX   is incorrectly reporting as " failed to pay '' for  XXXX ,  XXXX  when there is nothing left to pay. This account was paid off 3 months ago for the full balance due.
Product: Checking or savings account

On XX/XX/19, BBVA called and told me checking account XXXX was overdrawn. I told them that this was some mistake. The account had not been used since XX/XX/19. 

On the afternoon XX/XX/19, the account was frozen, debit card ending XXXX was reported stolen and dispute ticket XXXX was opened. On XX/XX/19, I received a letter dated XX/XX/19 stating my dispute had been closed and denied. 

The BBVA Card Fraud Group opened and closed this dispute the same day. The bank 's fraud department never contacted me about signing a fraud affidavit, copies of the police report or the identity theft report. Again BBVA has violated Regulation E. 

The bank also shows this dispute ticket is still in progress even though they closed the dispute investigation within a few hours the same day it was open.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report Please delete all other addresses except my current address, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Service for XXXX in the amount of {$74.00}. XXXX XXXX XXXX 2022. 

In accordance with the Fair Credit Reporting Act XXXX account XXXX has violated my rights. The HIPPA Law.

15USC 1681 section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

these accounts are not mine please remove or attorney general will be contacted
Product: Checking or savings account

On XX/XX/XXXX I opened a new checking account with Citibank after finding an ad for a bonus promotion ( # XXXX ) for depositing a minimum dollar amount in the new account. The promotion in my case was {$700.00} for depositing at least {$50000.00}. On XX/XX/XXXX, I transferred {$51000.00} into the newly opened account. As per the terms of the promotion, I transferred {$47000.00} out of the account XX/XX/XXXX, months after I had kept {$50000.00} in the account for the obligatory period. I left {$4000.00} thereafter to the present day. 

I have met the qualifications for the bonus, but Citibank has not applied it to my account. I called three times to confirm that my account qualified for the promotion, and was told each time that it did. The Citibank support agent told me this today by phone : You have met all the requirements for the promotion. The agent filed a complaint on my behalf. The account is in good standing, exactly six months after I funded it. 

It is notable that Citibank sends no confirmation of the bonus sign-up with new account information. All information I've obtained has been from company support agents.
Product: Debt collection

XXXX XXXX continued to take automatic payments from my bank account but reported 4 payments as late incorrectly.This is false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my Equifax credit report there is one fraudulent account reported by XXXX. I filed a police report and submitted it to all three credit reporting agencies and two of them XXXX and Equifax   immediately block the fraudulent account from my credit report. Equifax refuses block the fraudulent account from my credit report and keeps stating that they have different policy. I have been speaking with Equifax customer representatives months now from fraud department, from regular department which is located by the way outside THE UNITED STATES in XXXX, XXXX. ( My personal information was exported to foreign country without my knowledge or permission ). 
Please, help me to resolve this issue. I am a victim of a fraud and the account that I was disputing with Equifax is a result of fraud and Equifax denies to block that fraudulent account from my credit report in order to show the true worthiness of my credit file.As a result of that I was recently denied for credit and for a job. In last 6 months I was contacting with Equifax representatives twice a month and they always were asking me to send Identity Theft Police Report, FTC Victim Fraud Affidavit form, my state ID card, my Social Security card and after providing all of this informations I lost my hope today that Equifax is going to block the only fraudulent account from my credit report. 
Please help me. I do not have anywhere else to go or to complain. Why the other two credit reporting agencies XXXX, XXXX XXXX have verified with creditor XXXX that it is a fraudulent account and deleted that account from my credit file but Equifax still playing a game with me. There is suppose to be one federal law for all credit reporting agencies regarding how to handle cases with fraud on behalf of consumers. Why Equifax is different in processing this kind a disputes. Please help me to get this fraudulent account removed from my Equifax credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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

I asked Equifax to explain why my account comes up as a fraud alert to car dealer. My credit file is not reporting accurately. I was told to provide proof of Identity. I have given them my information and it has not update or change the status of my credit reporting.
Product: Debt collection

I have disputed an XXXX account with Enhanced Collections. I have never had an account with XXXX. I contacted Enhanced directly and asked them to provide proof of this account. They have not done that. 
I then disputed it with the bureaus and it remains. This is a violation of my rights under the Fair Credit Reporting Act.
Product: Debt collection

A credit card debt with XXXX I was making payments on till XX/XX/2019 and could not make any more due to slow work and co-signer, my mother, hasn't been well and not working anymore for long time now. I was offered by XXXX a {$4000.00} payoff last year but could not come up with it in time as i was given short deadline. Now to come up with over {$11000.00} with interest is too overwhelming. 

I am a XXXX XXXX XXXX and not been able to work much end of last year and. 
Due to the corona virus pandemic concern, all my students stop taking lessons from the last week of XX/XX/XXXX.  Soon after, most all business closed and they are not spending money and I do not therefore get paid in order to pay any debt. I could not even go to the studio where I teach and could get new students but its been closed too. 

You can verify that i have not been to the studio to work since XX/XX/XXXX by calling, assuming anyone even answers : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I am by myself living with a roommate and together running out of money to even pay the basic utility minimums. Were trying to get help from my landlord to not pay rent for a while and local help for food donations etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is reported as late from a few years back.
Product: Debt collection

From the moment my credit monitoring service alerted me that this debt was coming in to my account, I tried non stop to contact Designed Receivable Solutions , Inc . This company has been purposely ignoring all of my written requests to obtain legal proof that the debt belongs to me. They have failed to proof such thing because the debt does not belong to me. However, unlawfully still sent my account to collections damaging my perfect credit score. I am very stressed out and they are now causing me to have health problems because they fail to answer my letters and they debt keeps popping up every month as a collection on my credit report. This is very unprofessional and wrong, someone needs to check on this company.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

I was on a payment plan with TrueAccord. Making monthly payments on time from XX/XX/2020 to XX/XX/2020, My final payment was to be in XX/XX/XXXX. 
On XX/XX/XXXX I received an email stating Please be aware that there was an error in processing payments that resulted in a payment being charged multiple times. they charged me the {$66.00} four times on top of the XXXX owed. 
XX/XX/XXXX they sent an email We had a system glitch that resulted in the payment plan for your XXXX XXXX XXXX account being mistakenly cancelled. Due to the error, you will need to set up a new payment plan for the remainder of your {$210.00} balance. 
By the time I contacted them they had passed the debt onto another collections agency. ( XXXX XXXX XXXX XXXX ) And said there was nothing they could do.
Product: Credit card or prepaid card

I opened a Kohls XXXX XXXX on XXXX XXXX XX/XX/2021 in XXXX XXXX, XXXX  to make a purchase to get the additional 35 % off my purchase. I received a credit line of {$600.00} that day. I also paid my amount in full of {$290.00} right there in store. Fastforward to today XX/XX/2021, as I tried calling Kohls XXXX XXXX XXXX XXXX at XXXX to retrieve my account information as my card nor my statement/account number has not yet been received. I am needing the account information to submit to my lender XXXX Mortgage in order to close on the purchase of my home. I was told by Kohls XXXX XXXX ( and the XXXX ) that they can not give my account number over the phone to protect the customer. I also had XXXX ( XXXX XXXX XXXX  ) on the other line ( XXXX way call ) to verify that I need this time sensitive information. I was and am still willing to give Kohls any security information that they need in order to give me my account number. The XXXX emphasized they have no way of getting or giving me my own credit account number. That there is not a number or store I can go to in order to retrieve that information. That I simply have to wait for my card to come in the mail ( which can take up to XXXX weeks from mailing date, which was XX/XX/2021 ). XXXX and I both amplified multiple different scenarios to the XXXX as her consistent answer was to wait for it in the mail as they don't have access to my account number, that it's simply stated on the statement I will retrieve in the mail. I have NEVER held a credit account that I can't get access to my own personal credit account. This information needed for the purchase of my home is VERY time sensitive. And per Kohls XXXX XXXX XXXX Department they simply can not give it to me as they don't have it nor does any person ( s ) or establishments will have that information either.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX, ACCOUNT # 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

XXXX ; Experian and XXXX  are reporting incorrectly lates on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account has been paid. There is no outstanding balance. Please keep in mind it is impossible to be late on an account with no balance due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

On XXXX i noticed XXXX hard inquiries that i didn't authorize. XXXX was on my XXXX  report and XXXX wer on XXXX XXXX. XXXX from capital one and XXXX from something called XXXX  or something like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

There many inaccuracies on my account report. I reached out to the credit bureaus and also had XXXX XXXX reach out but inaccuracies remain. Attached are two different credit reports from two different companies that show inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted EXPERIAN, XXXX, AND XXXX about the error on my consumer report. But they have yet to fix the problem. 
I've never lived at the addresses LISTED BELOW. 
XXXX : XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX, TX XXXX. 
Could you please remove these addresses from my consumer report.
Product: Credit reporting or other personal consumer reports

In review of my credit profile there were some inquiries that are not mine.
Product: Credit reporting or other personal consumer reports

I was recruited for a job at XXXX in XXXX XXXX and they required a background check that included a credit check from TransUnion. TransUnion suppressed my report, and for the past month, I have been going back and forth with them trying to solve it. XXXX has rescinded my job offer due to the delays, which they have told me multiple times was fixed and that I shouldnt be having issues ( this was recorded on my end ). They were made aware of this in late XXXX, but they didnt tell me how to fix it until XX/XX/XXXX, when I was told that everything I had been told was incorrect and that I needed to send a written request. Because of this massive delay, my offer at XXXX was rescinded, and they have yet to fix the issue. I have calls recorded with them telling me different stories about my suppression, but theyre too large to upload.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX # XXXX, Capital One Saks card # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right of privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. The names XXXX, XXXX, XXXX Addresses. Only the address XXXX XXXX XXXX XXXX, MI XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX the birthdate/year of birth field YEAR OF BIRTH XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under XXXX XXXX XXXX. EMPLOYERS XXXX XXXX XXXX -XX/XX/XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my consumer report. XXXX XXXX XXXX Balance {$120.00} This account was opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mon ) this account was created on mistaken identity, this account is not mine. per XXXX XXXX XXXX this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of NATIONAL CREDIT SYSTEMS company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity
Product: Money transfer, virtual currency, or money service

I keep receiving emails from an individual gmail account but the scammer is portraying to be PayPal. Giving me a paypal invoice stating that I ordered {$760.00} in bitcoin exchange, which I have not. Further more, this is phishing scam and fraud because paypal uses business email accounts not personal gmail accounts like this individual.
Product: Debt collection

Opened : XX/XX/2014 ( 3 yrs, 7 mos )  Amount : {$710.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA I called already. I had insurance when I went to XXXX XXXX, and they even got me signed a medical bill waiver because I used to have XXXX all the time too often. So what's this debt about??? 
I need these bills that are not recognized to be removed, I can't do nothing because of those unknown medical bills. It's not fair ...
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

I used my card to purchase a few pieces of clothing from a website XXXX for {$51.00}. Shortly after the purchase an email was sent stating items shipped. There was a broken link and no tracking number. When I went to the site it was shut down and I never received items. Citibank claims they got a response to my claim for the charges with 1 line of text just describing the order. No tracking information provided for proof of shipping. They are not refunding the money to me and dragging their feet to go after the scammers.