23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I JUST LOOKING OVER MY CREDIT REPORT AND FOUND SOME ADDRESS THAT APPEAR TO BE INCORRENT. I ; VE ENCLOSED DOCUMENTION PROVIDING PROOF OF MY CURRENT ADDRESS AS INSTRUCTED TO DO YOUR WEBSITE. I ALSO NOTICED THAT MY NAME APPEARS TO BE MISSPELLED, ON MY CREDIT REPORT. MY NAME ONLY HAS ONE CORRECT. THERE SHOULD BE NO VARIATIONS LISTED BECAUSE MY NAME HAS NO VARIATION. MY PHOTO ID ENCLOSED TO SHOW THE CORRECT SPELLING. ONCE AGAIN IN ORDER TO MAKE THE PROCESS OF ACTION EASIER HERE ARE THE INCORRECT SPELLING ISEE LISTED. 

INCORRECT NAMES XXXX XXXX XXXX INCORRECT ADDRESS XXXX XXXX XXXX ALL OTHER ADRESS INCORRECT PHONE NUMBER PLEASE REMOVE INACCURATE EMPLOERS AS WELL AS LIST BELOW ; XXXX XXXX ONCE YOU HAVE DELETED THE INACCURATE NAMES AND ADDRESS FORM MY CREDIT REPORT, PLEASE SEND ME A COPY A COPY OF XXXX REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are so many inaccurate accounts reporting on my credit that I have no knowledge of and this is hurting me big time! I can't believe these companies will allow this activity and not even notify me and let it impact my score so much. I have sent multiple dispute letters over 60 days ago and I still haven't gotten a response. I don't this its fair for me to have my credit impacted by formation and accounts that I didn't authorize, I removed and this issue to be resolved asap along with at least a response from these companies. attached are my letters and pictures of my identity and address verification. please help me.
Product: Debt collection

This agency has placed a collections on my credit report and I have no knowledge of this collection. I have not gotten any written notices which means I have not been giving my lawful right to dispute
Product: Debt collection

Since approximately XX/XX/2020 I have been receiving harassing telephone calls on a daily basis from an unknown entity. The unknown entity used caller id spoofing in order to deliberately falsify information transmitted to my caller ID to disguise their identity. The unknown entity used Maryland area codes and numbers in order to make it appear the calls were being generated from a local number. After significant research I discovered the calls were being generated from an entity by the name of Enhanced Recovery Company , LLC ( ERC ) in XXXX, Florida. According to their website they are " an international business process XXXX and full service, end-to-end provider for every aspect of the customer lifecycle, including debt collection. '' They further indicate working on behalf of a number of different creditors such as telecommunications, utilities, banks, cable companies, financial service providers, student loans, etc. In addition, they maintain being contracted by creditors and in some instances debt purchasers. Based on the circumstances of the telephone calls and lack of receiving a written validation notice I believe ERC to be a fraudulent debt collector. To date I have kept a log of over 50 spoofed  telephone numbers from ERC spanning back to XX/XX/2020. All calls have used the area codes XXXX and XXXX and have come primarily from the following telephone numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I have reason to believe they have spoofed other numbers from within the state of Maryland and contact may date back further. I have not received a written validation letter from Enhanced Recovery Company LLC regarding any alleged debt owed.
Product: Debt collection

I have tried contacting Syndicated Office Systems without any luck to get proof of my debt and it is still on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely upset! I was looking at my credit yesterday morning and I saw an account that was not mine! How can something like this happen! Why is it that my credit file has someone else account information! Who put this on my credit report? From what i can see this is fraud or an absurd mistake. My credit score is super low and now I am not able to use my credit in a pandemic! My car just broke down and i cant even get a new car because of this problem! Please help me and investigate this outrageous problem.
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 XXXXXXXX, 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've been calling companies for a few months now they're either nasty or just outright hang up the phone and tonight is the last straw because I got the phone hung up again in my face. I am a victim of XXXX XXXX and I really do think that my estranged husband or someone he's associated with is accessing my credit file without my consent.. I have inquiries that I did not make on my credit file trying to get loans and also a lot of addresses that I do not live at.. they also breached my information... I've also told them about my XXXX XXXX situation and they just don't care.. I work so hard to repair my credit and remove these items and they're right back
Product: Credit reporting or other personal consumer reports

Today I receive a alert at XXXX XXXX  from experian saying my file was being acess tried to login to my account but everytime I request for verification code someone cancel the request.At XXXX a text from experian saying that I am sharing data with a third party.Someone is accessing my account online and when I go back to the information it be deleted.XXXX  the same thing and they said that they have a product that belongs to me but before I can access it a third party got to connect.I don't have no credit cards, and my accounts that I created most of them are closed or the account have been changed
Product: Debt collection

Wakefield & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX. {$1100.00}, {$960.00}, {$950.00}, all of these XXXX identify theft- XXXX XXXX XXXX XXXX {$52.00}, {$61.00}, {$55.00}, {$52.00} - XX/XX/XXXX XXXX XXXX XXXX. All these are Identity thefts My name is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Colorado XXXX XXXX my phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, I received a letter from Conns concerning my current account with them. The letter advised that my credit line has increased {$1000.00} due to my good payment history on my account. Two days later my window AC unit went out, so I decided to go into my local Conns XXXX XXXX located on XXXX XXXX in XXXX XXXX to add a {$500.00} unit to my current account with Conns. I did not think that it would be an issue since I was just sent a letter that increased my credit line. But, this turned out to not be the case. The sales rep asked for my SSN and I assumed that it was to pull up my current account which she did. She advised that she did not see the additional $ XXXX and would need to contact the Credit company to see why. She asked me to wait, when she returned about 5-10 minutes later, I was advised that she ran my credit and Conns was unable to extend credit to me. I did not understand considering I was sent a letter increasing the line on my current account. I never gave permission for Conns to run a new hard inquiry on my credit but they ran one anyway without even advising they were doing so. When I asked about the letter I received, the rep did advise that she sees where they sent me the letter but it did not mean anything and Conns sends these letters out to get the customer to come into the store so that they can run their credit. I was appalled and have made a complaint with the XXXX  in which Conns refuses to acknowledge that they ran my credit without permission and just keep providing paperwork I signed in XX/XX/XXXX for my current open account as proof. Conns refuses to do anything to correct the inquiry on my credit report or even take credit for the letter that they used to lure me into the store with false pretenses.
Product: Credit reporting or other personal consumer reports

I checked my credit report this afternoon and was still disappointed with how these inaccurate accounts are still on my credit report. Kindly check the documents I've sent regarding this matter.
Product: Mortgage

AmeriSave Mortgage refuses to process my payment and state they did not receive. They sold my load in XXXX and sent me a statement for XXXX payment I mailed ion XXXX and they stated that they had not received it. I tried to make a payment by phone and online but they closed the account out and can not access it. XXXX bank which I made a complaint to CFPB also in the beginning of the month refused to provide me an accurate statement to make a payment as the totals and balances were incorrect and they have not received the payment from XXXX either as the $ are still in my Acct. I need to have this payment processed via Americasav so XXXX can receive and then process via their system and provide me with an accurate statement prior to making any payments to XXXX. I do not wish to pay XXXX XXXX payment at this point being the totals dont match and I only received a statement from America Save for my XXXX. Payment. I want Amersav to contact me so I can provide them with the check information and my checking account to process my XXXX payment. Customer service can not access the account and are refusing to process.
Product: Credit card

This is continuation or addition to complain CFPB complaint number XXXX I recently submitted a complaint regarding a dispute with American Express XXXX This is part of the dispute but specific to the money charged not the premise of the dispute i thought i would separate it. 

On XX/XX/year> using my American Express card i rented a XXXX  from XXXX XXXX a XXXX  for 24 hours. The cost of the rental for the 24 hrs was XXXX including taxes. Additionally a XXXX $ security deposit was also collected. 

On XX/XX/year> 5 days later XXXX XXXX a XXXX charged my American Express card XXXX. Although there was a significant lack of communication regarding the charge ( please refer to Complaint XXXX ) the charge was due to claimed damage from mud on the XXXX. XXXX XXXX XXXX XXXX emailed the details of the charges in their invoice along with screen shots of XXXX images of the cost of : paint, fenders, roof, and other. 

The total paid to XXXX XXXX a XXXX along with the original rental fee and security deposit was XXXX. 

The summary of charges and the total charged do not match up with a difference of around XXXX When I questioned XXXX XXXX a XXXX to account for the different simply : labor. 

American Express, and my self repeatedly asked XXXX XXXX a XXXX to a detailed itemized repair estimate from a body shop. I, to this date have never received the repair estimate, and American Express has communicated several times they did not as well. I do not know if they ever received it. 

American Express failed to address the discrepancy and ultimately after the insurance claim was denied ( which is when they were asking for the repair estimate ) and the dispute was closed ( without explanation to this writer ), we paid the full amount to American Express. 

Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$2100.00} XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX {$2500.00}
Product: Credit reporting or other personal consumer reports

I never requested any of these accounts to be furnished to any companies or bureaus, fcra ( 15 code 1681 b ) these accounts and inquiries are in violation of my consumer rights
Product: Checking or savings account

On XX/XX/2022 at XXXX XXXX XXXX Time I received a notification {$75.00} had been withdrawn from my XXXX XXXX account @ XXXX XXXX at XXXX XXXX XXXX. 
At XXXX XXXX  a second attempt to withdraw {$75.00} was made but there was insufficient funds in my account from the same XXXX. 

I was at home at the time with my debit card in my wallet. 

My debit card must have been duplicated and the pin number stolen when I used an ATM. 

I have never been at XXXX XXXX at XXXX XXXX XXXX 

I filed a claim with the company that handles my checking account and debit card for the {$75.00}. 

They denied the claim since " the physical card and pin were used ''. 

It is common knowledge that debit cards can be duplicated and pins stolen. 

I believe it is federal law that banking institutions MUST reimburse customers if funds are stolen using a debit card.
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 the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Im submitting my updated info so that when the cash app settlement gets and administrator they would have my info.
Product: Credit reporting or other personal consumer reports

I was absolutely shocked to find errors on my credit report this evening. Everything was fine before, but suddenly there were discrepancies. I refreshed my browser thinking it was just a mistake, but the incorrect accounts remained. I really need the documents I've sent to be double-checked so I can avoid dealing with this stress in the future.
Product: Credit card or prepaid card

I placed an order on XXXX XXXX 'XXXX website. They were having computer difficulties at the time, and I did not see my order go through. I was on the phone with a representative from XXXX, and we placed the order again. When I looked at my credit card statement, both orders where almost immediately charged to my statement. XXXX was incorrect ( wrong, charge, wrong amount of product ). I asked XXXX to remove the incorrect order, which they did the next day, after resolving their computer errors. They also issued me a credit, which they said would go through on XX/XX/XXXX ( because of the holiday ). 
They provided an incident number for me. 
I called them back in a week when the credit did not show up on my account. They said the credit had gone through on the XXXX, and might need a little more time to show up on my statement. I waited another week, and called XXXX again. XXXX   assured my the credit had been processed by them on XX/XX/XXXX. 
I tried to call Citi Bank. They have no phone numbers on their website but I tried to follow the online instructions for disputes. Since they were still listing the {$1200.00} charge as pending, I was not able to file a dispute. I initiated a " chat '' on line, and " XXXX '' said I had to wait XXXX days. 
How does a credit card company charge a card immediately, but it takes them XXXX days to credit an account? I believe the Citi 's game is to leave a big charge ( which the consumer knows has already been credited ) on an account. That way Citi can charge late fees and interest even though they have already been issued the credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, is in violation of multiple laws set forth by Congress in regards to the following account XXXX XXXX  15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person XXXX XXXX XXXX XXXX making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CAPITAL XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, TransUnion ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX  can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt of {$600.00} in order to file as ordinary income. Where is my 1099-C? XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXXXXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and TransUnion are not an affiliate of XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXXXXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint against TransUnion, XXXX, and Transunion for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from TransUnion : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : TransUnion 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, TransUnion has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX I sent in an online dispute with Equifax regarding the incorrect name ( XXXX XXXX ) displayed on my credit report. My name is XXXX XXXX. XXXX XXXX is my elderly mother. I am in my XXXX XXXXXXXX. In the dispute, I pointed out the incorrect information ( XXXX XXXX ) and what the correct information should be ( XXXX XXXX ). I uploaded 3 items of proof ( photos of my government ID, social security card, and birth certificate ) all reflecting the correct name ( XXXX XXXX ). They could have easily used my social security number to run a simple background check to verify my identity and that my name is, indeed, XXXX XXXX ( and not XXXX XXXX ), and that I have never used another name or alias legally ( especially not my mothers name ). 

This is actually the 3rd time I have tried to dispute this information. The first 2 times, I called, and they said something to the effect of they couldn't verify my identity or something else was wrong, after which they said they couldn't help me, so I never even got past step 1. Now that I say this, I seem to remember the automated system saying it was having trouble understanding me or something like that, and it was having to call a live agent to help me. 

On XX/XX/year>, they ruled that the name on my credit report ( XXXX XXXX ) is the right one and that the name will not be updated. This is despite that preschool children capable of reading could have also verified that I know what my own name is ( XXXX XXXX ). The most damning evidence is my social security card, which apparently is not proof enough that my name is in fact mine. So now were indirectly accusing the Social Security Administration of either lying or not knowing what theyre doing/talking about. I dont think its the rest of us that are the problem here. XXXX XXXX, its not the children who are wrong, youre just out of touch. 

On XX/XX/year>, I called in regarding the dispute and the customer service representative gave me no information except telling me how to open a new dispute via physical mail. At which point I decided to see if there was a department or bureau I could file with and if so, file. And here we are. On XX/XX/year>XXXX I filed a complaint with the Consumer Financial Protection Bureau.