23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have been disputing and requesting validation of a debt I do not owe for nearly XXXX months now and EQUIFAX has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts. IN ADDITION THE OTHER XXXX BUREAUS XXXX AND XXXX HAVE ALREADY REMOVED THE ITEM in question, so it appears EQUIFAX wants to play by their own rules. The item on my credit report XXXX Acct # : XXXX is falsely showing. Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items 1-6 ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.
Product: Credit reporting or other personal consumer reports

Equifax and the others have allowed false reports on my account and havent provided their methods of verification Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove the items from my credit report.

If an account is closed or charged off, it should not continue to report. FDCPA 15 U.S.C. 1692 /Section 623a5. Section 8078 : False or Misleading Representations
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Amount : {$54.00} I explained to the company that the payment portal was not working properly and that a payment could not be made. The company explained that they would remove the delinquent note on the account, but it was never completed. This account has been paid in full since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information reporting on my credit report and my dispute is being ignored and have surpass 30 days of the investigation.
Product: Money transfer, virtual currency, or money service

Well I've had numerous issue from no canceling a pending crypto order, charges allowed from XXXX scams and or company charges that were never questioned or fought for. Illegal charges to multiple XXXX XXXX accounts. Casino charges from online apparently Customer service ALWAYS giving textbook answers or say it's the other parties responsible part not theirs EVER
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX XXXX Balance : {$79.00} XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXXXXXX Balance : {$89.00} XXXX XXXX XXXXXXXX Balance : {$50.00} ; XXXX XXXX Balance : {$74.00}.
Product: Credit reporting

Over the last 4 years i 've battled with illness and other health issues. I knew someone had used my information to get credit cards and medical stuff but could n't even handle it. This year my health has picked up and I 've been working to clear the fraud off my credit report. For some reason after disputing it 's still there. Theres a medical accounts that keep changing their names and theres nothing I can do. This feel s like my last stop.
Product: Debt collection

Earlier this year ( XX/XX/XXXX ), I checked my credit and noticed that there was medical bills on my report from XXXX in XXXX XXXX. I have since moved out of that state to XXXX. The medical bills that were reported to my credit report should have been taken care of by XXXX XXXX XXXX. I checked with them and they said they paid what was given to them but the doctors billed me separately. I had no idea they could do that so I was never aware that these bills had been generated. I have called XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) numerous times with no help whatsoever. I have asked them for more information such as what the bills were exactly for and how the doctors can bill me separately. They offered no information and all they kept repeating was that I had to call the collection agency. I called the collection agency which told me all they can do is take payment on the debt, nothing more nothing less. I returned calling XXXX XXXX XXXX XXXX XXXX XXXX and they still would n't give me anymore information about the debt. All they do is keep giving me the collection agency 's number and then will hang up on me. I have repeatedly asked to speak to a manager or supervisor at which point they say no one is available, put me on hold forever or hang up on me. This has happened numerous times and when I leave a message no one returns my call. I have never spoken to a supervisor and completely get stonewalled by anyone at XXXX XXXX XXXX. This has been going on for quite some time. Last week, XXXX XXXX was the last few times I tried getting information from them again. Any answers I have are not from them but from XXXX XXXX XXXX ( XXXX  ) which was kind enough to look up my account and provide what little information is available to them. XXXX has let me know that they also made payments on the disputed XXXX ER visit and have no idea how they were able to bill me separately. There are 8 different bills that XXXX XXXX XXXX has sent to collections regarding this XXXX/XXXX/XXXX XXXX ER visit. 1 ) {$830.00} 2 ) {$300.00} 3 ) {$300.00} 4 ) {$180.00} 5 ) {$180.00} 6 ) {$160.00} 7 ) {$160.00} 8 ) {$100.00} which totals {$2200.00}. I have no idea why some amounts are doubled and two are not. This is severely hurting my credit and I have no idea how to get this resolved since the XXXX XXXX XXXX keeps stonewalling me in the process. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf regarding late payments discovered on my credit record. Despite sending letters over XXXX  days ago requesting validation, I have not received any response, and they have failed to provide me with satisfactory validation of these entries. This lack of response and validation has created an ongoing issue with my credit report that needs immediate resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX {$88.00} XX/XX/XXXX XXXX XXXX  # XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$720.00} XX/XX/XXXX THEFOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Mortgage

I have had a PMI with PNC Bank XXXX formerly XXXX XXXX ) since XXXX. I 've recently had an nationally certified appraisal on my property and realized the value has now exceeded the necessary 80 % Loan-to-Value amount. I reached out XXXX/XXXX/XXXX to PNC Bank to proceed on removing PMI and was informed that PNC Bank is requiring me to conduct an appraisal through an appraisal company they own and pay an appraisal fee that is twice the normal amount. They refused the nationally certified appraisal and are denying my ability to remove the PMI I qualify for until I pay their fee. I cited that none of the mortgage/closing documents say I have to use PNC Bank 's appraisal company. They agreed that there is no language or binding agreement, but that they have instituted this policy and will not budge.
Product: Checking or savings account

Our company 's account was frozen and closed by the Bank of America in XX/XX/year>, and we have been calling the customer service of the bank to ask why it was frozen. They replied that they did not know, nor did they say when the account funds would be sent back to me by check. At present, there are more than XXXX dollars in our account. My request is that the Bank of America send me a check.
Product: Credit reporting or other personal consumer reports

I submitted a request to both Experian and XXXX advising that XXXX XXXX  or XXXX XXXX  XXXX NA accounts were fraudulently opened ; I have tried going to the credit bureaus and have been unsuccessful as they have been saying it has been " verified as accurate. '' Since then, I've reported the account to the FTC. FTC report # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS 4ld PURSUANT TO 18 USC 8, L OWE NO DEBT ; THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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: Money transfer, virtual currency, or money service

The mobile Bank is an in-app authority only so when I had lost my phone I was locked out of the app as to the two-step verification through the phone the same with my email so I was unable to get in touch with the company at all the company in hand is Current mobile Bank. After about a month the company came out with a XXXX number I finally called the number and was able to get into the account and saw that {$3000.00} had been direct deposited and spent without my permission. I had to take a discrepancy charge. As I had to get a new phone I lost that email due to to set verification but was able to keep the current account and 2 months later have still not heard anything about the investigation.
Product: Debt collection

XXXX  XXXX XXXX  XXXX & XXXX XXXX XXXX added derogatory marks on my credit file in the amount of {$1200.00}. I disputed this claim on ( XX/XX/XXXX ) this is not my debt and fraudulent activity with this account. I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all  information which can not be verified. Fast forward to XX/XX/XXXX i was notified by my job that I HAVE A GARNISHMENT against me which is 10 % of my paycheck is being GARNISHED every week. I logged a complain with the CFPB after gotten no response now on XX/XX/XXXX XXXX  XXXX  response is that Rubin & Rothman LLC obtain a judgment against me. Who was served? Not me! 
IF THE ACCOUNT IS NOT DELETED/ Garnishment, I WILL BE FORCED TO CONTACT THE XXXX AND LEGAL COUNSEL TO FILE SUIT.
Product: Credit reporting

Equifax is reporting an account for XXXX XXXX that was discharged in my Chapter XXXX Bankruptcy XX/XX/2003. The account is over 7 years and in violation of FCRA.
Product: Mortgage

I have a primary VA loan that was modified and created a XXXX XXXX on my property that I do not have to pay back until XXXX. Unless I refinance or sell the home. I requested PHH to subordinate the loan in XX/XX/year> so they could go from 2nd to a 3rd position. Moratage escalation Manager XXXX advised me that would not be a problem and it takes about a month for the request to be approved by the VA. I sent my request up in late XX/XX/year>. I called PHH mid to late XXXX to get a update. I was told by another escalation manager that they are stopping all subordination, and this guidance came from the VA. I contacted the VA and spoke with Loan technician XXXX XXXX ext XXXX. 
I was told by the VA no such guidance has been put out by the VA. I eligible for the subordination request. " the loan is boarded, 2nd lien is covered by the VA and PHH should be able to approve my request. I have spoken with several people and the escalation dept. No one has answer as to why they are stopping these requests. " This is the only guidance I have '' same talking point repeated by different individuals. I have asked them is this the bank denying the request. By few individuals at PHH dept. I was told this the VA putting this information out. VA denies stopping any subordination request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017 I was on the Prosper site inquiring about a possible loan, # XXXX. The site offers a credit score ( rate ) check that will not affect the consumers credit score. It stated that a soft pull would be completed and not a hard pull. I am moving through the application not fully understanding that this was an actual credit application. No where on the site or statement did it say if you go any further a hard pull ( inquiry ) would be required. I later called customer service to ask before moving any further and was told I should expect that it would be a hard inquiry since it is credit related. I followed up by stating that no where did the application ask for authorization to pull my credit profile. Also, the customer representative telling me the truth in lending statement states a credit pull is necessary and then once he checks and he realizes that it does n't say a credit pull is required, then he states '' well you should have figured that out '' is an unacceptable business practice. My response to the rep is that most alternative loan sites do n't normally do hard pulls so you can not assume all consumers will understand that. It is also misleading because no where on the site does it inform the consumer that a hard inquiry is required to apply. I do not want a loan and was only researching rates and would like the credit pull removed from my XXXX XXXX profile. I should not be penalized because the site is not transparent. Lastly, why not be willing to help once you confirmed that the site is vague and confusing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX Date XX/XX/XXXX Amount {$1200.00} XXXX XXXX XXXX # XXXX Date XX/XX/XXXX Amount {$5900.00} On XX/XX/XXXX, I have review my credit bureaus and noticed the accounts are being inaccurately report, and need to be deleted. My rights have been violated according to XXXX XXXX XXXX section XXXX ( a ) states I right to privacy. The breach of XXXX XXXX XXXX, XXXX credit bureau, and XXXX web have exposed my personal information. I do not have contract with any of these above mentioned creditors, therefore I would like this information deleted from my XXXX credit report immediately. FCRA XXXX XXXX XXXX section XXXX ( XXXX ) Also states a consumer reporting agency can not furnish an account information without my written consent and/or instructions. The above company has no permissible purpose to be on my credit report. 
Moreover, FCRA XXXX XXXX XXXX XXXX ( a ) states a creditor 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: Debt collection

I am XXXX XXXX from XXXX and I have looked at my credit report and noticed that a company that is from your state is listed on my credit report. I had a representative to contact this company last week on my behalf as I have a busy days during the week. After careful research my representative saw that this company is not authorized to collect or licensed to collect in my state of XXXX. XXXX has a specific rule as it relates to who is able to collect here. XXXX XXXX XXXX appears on my credit report and their license has expired according to the XXXX Office of Financial Regulations and with the business licensing division which is confirmed by our state 's website, XXXX. In order to collect in XXXX you must be licensed with both agencies and in good/active standing, which this company is not. My representative called and asked to speak with the office manager and or their compliance officer, and when she was asked what the call was in reference to, she explained the above. She was transferred to a guy that said his name was XXXX XXXX, who represented himself as the company 's legal counsel. He went on to denounce the claim verbally with the representative and attempted to scold her for not being an attorney ( which she never represented herself as such ). After more review by via reviewing the XXXX Bar Association website there is no active attorney in XXXX with the name of XXXX XXXX, and the only one that was listed was a deceased attorney. Fidelity Information Corp is willfully and maliciously violating XXXX State Law, FDCPA ( Fair Debt Collection Practices Act ), and is using deceptive practices and false representation. 
I am sure your office does n't support businesses in your state operating in such manner. The company was contacted to give them an opportunity to rectify the problem however they have failed to do so, and them continuing to report an account they ca n't legally report is very damaging to me as well as my family. Mind you, I have never had any contract with this company AT ALL! At this time there is no current court action pending, there has n't been in another legal actions prior with this company but if this ca n't get resolved expeditiously, then legal action will definitely go forward. 
I have letter I faxed to them, as well as proof of Expired status with both XXXX Agencies, as well as a copy of the XXXX Bar website with the only XXXX XXXX being a deceased attorney. Has this XXXX XXXX with XXXX XXXX XXXX ( if that is his name ) tried to assume and resurrect the identity of this deceased attorney " XXXX XXXX ''?
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XX/XX/year> XXXX XXXX XXXXXXXX Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence, where Equifax furnishers XXXX XXXX unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing, I am requesting immediate correction action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.