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

In XX/XX/XXXX, I retrieved a copy of my credit report and noticed that Perfection Collection had reported negative information on my credit reports. I have never did any business nor signed a contract with this company. This company did not and to date has not sent me any type of correspondence, including a dunning letter to inform me that they were attempting to collect a debt. Hence, they negligently placed this account entry on my reports and I was not allowed to dispute the validity of this debt with them prior to its insertion on my reports. This is a blatant violation of my consumer rights. 

To that end, I sent XXXX ( as reporting on XXXX ) and Perfection Collection ( as reporting on XXXX ) a dispute letter that was sent certified with a return receipt. To date, XXXX ( see attached ) stated that the account was purchased by Perfection Collection in XX/XX/XXXX. Perfection made no effort to communicate with me informing me that they were attempting to collect an alleged debt. To date, this company has not responded to my request for them to validate the account. I specifically requested the following information from them : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary Perfection responded to my dispute ( this is the first time I received any correspondence from this collection agency ) by offering a settlement ; yet, they did not provide any documentation to substantiate the amount they are arbitrarily reporting. Too, the correspondence I received from them lacked veracity. It is merely reflected on their letterhead with no other documents. It is obvious that Perfection has nothing to validate what they are negligently reporting on my credit reports. 

These entries reflected on all 3 bureaus are inaccurate, unverifiable and erroneous. Given the fact that this company opted to not provide any documentation to support/substantiate what they were reporting as well as NEVER sending a dunning letter and allowing me 30 days to respond to dispute the validity of their claim, mandates that these entries be DELETED IMMEDIATELY FROM MY CREDIT REPORTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditor ( XXXX ) directly and they agreed that the account information did not belong to me. I provided them with all documents requested and they sent me a letter stating I was not responsible for the debt. I forward the letter from the company to Equifax and they still would not remove the account. They actually made the account a paid collection which is hindering my FICO scores. It is not my account and it should not report on my credit file. It was a case of identity thief. 

I have proactively put a " Freeze '' on my credit file to help mitigate the risk of fraud. This is the third ( 3 ) time I have fallen victim to this crime and I am suffering financially every time I apply for credit. This is my  very last option.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX. Account XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, Account XXXX XXXX XXXX  # XXXX have 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

With me being a current victim of Identity Theft/ Fraud and populating the required reports to support my dispute claim. A denial and termination of membership with Financial Institutions was immediately enforced.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. I have no idea who this person is that has my SS number and Birthday. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$33000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$410.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$6500.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX : {$660.00} XXXX  XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent mail to the credit reporting companies about inaccurate information being reported on my credit report. The company has failed to prove that the bill they continue to report as delinquent is in fact mine and what it was for. All of my bills are paid from XXXX XXXX XXXX XXXX and i have sent 3 letters to " XXXX XXXX '' to provide a breakdown of fees including any collection costs and medical charges, Provide a copy of my signature with the provider of service to release my medical information to them and to Cease any credit bureau reporting until the debt has been validated by me. I requested full documentation of what they received from the provider of the service in connection with this alleged debt as im 100 % sure it is inaccurate. 

They have failed to provide any of it and I'm requesting you step in to help resolve the issue. I have attached the letter that was sent to them 3 separate times.
Product: Credit reporting or other personal consumer reports

I updated my address information over the phone with a rep, back in XXXX. I then made an online purchase using my XXXX charge and XXXX cash. However, they still shipped the purchase to an old address. Its taken me 3 months to get this rectified, because every time I had to call and speak with someone to get the late fees and interest charges refunded, the reps never completed the tasks. In addition, I still dont have my XXXX XXXX reimbursed. This is horrible customer service, and as an XXXX XXXX XXXX woman, this is making me very feel like they are taking advantage of senior citizens. Aside from this runaround, I found out today that XXXX reported to the credit bureaus that my payment was late, which has affected my credit score. I never received the product, its taken me months to finally get the interest and late fees reversed, and Im having to call for every little thing one by one, because not a single person has done the job completely. When I called to let them know I hadnt received the package, they said I had to wait on the refund until the package was returned to them. So, I had to call back to make sure they got it, but they still charged me for it. Then I had to call back again for a refund. They took forever to do that, but still charged me for interest and late fees. I had to call back AGAIN for them to reverse it, and when they finally did, I still didnt get my XXXX XXXX reimbursed. So, I called back AGAIN and they said it would be reissued on the app. I dont see it. These people need new training on how to complete the job and not give customers the runaround. The worst part is, they had the nerve to report my payment late! So, no product received, getting the runaround, plus late payment reported and my XXXX cash isnt reimbursed. At this point I deserve a gift card for the hassle! Good grief!! I want the late payment report reversed and I want my XXXX cash reimbursed and also something for putting this XXXX XXXX XXXX woman through XXXX.
Product: Debt collection

This company continues to send me letters regarding debt that I do not owe. I have sent the company several letters to Cease & Desist from contacting me.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I have no idea how they got there. As part of my routine, I reviewed my credit report, but this time, unexpected discrepancies appeared. I refreshed my browser to rule out a potential glitch, but the unauthorized inquiries remained. I am deeply frustrated by this issue and urge you to carefully review the documents Ive submitted to ensure I no longer have to worry about this in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 there was a Counter Credit Deposit of {$8500.00} and on XX/XX/17 a Counter Credit Deposit of {$1800.00} that were not requested or authorized by myself but by my father XXXX XXXX without my permission .On XX/XX/17 There was a withdrawal of {$100.00} at XXXX  ATM in Washington DC , on XX/XX/17 Return Item Charge back of {$8500.00} and another ATM withdrawal of {$1000.00} at a XXXX ATM in XXXX XXXX , MD, all of which I was not present for. During the time of these events I was a on campus student at XXXX XXXX XXXX but on my XXXX  XXXX XXXX acct I used my mother and fathers home address. I left personal info such as mail and birth certificate and social security at my fathers address because I did not deem it responsible to keep at a campus where other people would have access to my locker. At some point my debit card was left home when I visited for a weekend and My father utilized my personal information in order to have money sent to my account, one of which was a fraudulent check of {$8500.00} which caused my bank account to be closed. There has been fraud placed upon my name for actions I did not partake in and it now hinders me from applying for most credit.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous communications regarding the correction of late open accounts. This marks the many formal attempt to address this matter. 

As previously discussed, there appears to be an error in the opening dates of certain accounts listed on my credit report. Despite my repeated requests, the necessary corrections have not been made, and these inaccuracies continue to affect my credit history negatively. 

I kindly request that you prioritize this issue and take the appropriate steps to rectify the opening dates of the accounts in question. Ensuring the accuracy of my credit report is crucial for maintaining my financial integrity and credibility. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX  XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$520.00}.
Product: Bank account or service

On XXXX XXXX, 2016 I received a phone call stating that I received an {$8000.00} grant and in order to get the grant I had to give the account and routing number for my bank. The further instructions were to go to an ATM and pull out {$300.00}, then XXXX XXXX the money to an address in XXXX. After I withdrew the money from the ATM, someone went into a Navy Federal and deposited {$15.00} into the account and then withdrew {$770.00} from the checking account. Three hours after the withdrawal from the ATM, I told a friend about the grant and she told me to check my account because it sounded like a scam. When I checked the account, I saw the unauthorized debit of {$770.00}. I immediately notified Navy Federal Credit Union and informed them of the fraudulent activity. They recommended that I close the account, which I did. I asked about getting the money refunded, they said there was nothing they could do since I gave the perpetrators the account number and routing number.
Product: Mortgage

I was behind on my mortgage for my condo, The total in back payments was a little over XXXX. The payment has been {$790.00} for the past years, which is confirmed on my credit report,, I paid the {$62000.00} to have the account current. The bank told me my payment will remain the same as long as I continue to make payments on time. 
After my payment of {$62000.00} was received, the bank started to send me bills of {$2500.00}, {$1400.00} not the agreed amount of {$790.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a debt collection letter from Midwest Fidelity Services LLCXXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Re : XXXX. I responded immediately with certified mail and return receipt mail it was signed for on XX/XX/2023, received. XX/XX/2023, the debt appeared on my credit report for {$320.00} for XXXX XXXX XXXX who never did any transport for myself, or XXXX XXXX I have no collections or late payments on my credit report. This has lowered my credit score XXXX points and affected my refinancing of my home. I sent more letters to the collection agency and the Attorney General of the the state of XXXX  XXXX for the predatory collection practices. 
I have XXXX dollars in available credit why would I not pay any debts. This company has tried to collect a fraudulent debt and has tarnished my credit, please help.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My information was expose in the data breach and alot of incorrect charge off and delinquent on my credits that I'm not aware of
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 there was a loan taken out in my name. My exs uncle worked for the car dealership where the car came from. My ex was not able to get a car in his name, so my information was used, his uncle pulled strings, then my ex didnt pay on the car. He ended up getting XXXX, and leaving me with a mess to clean up. I am not responsible for this loan, or the payments, and I want this taken off my credit report. Theres a balance owed of {$16000.00}. I also know that someone now has the car and took over payments. This account needs to be removed from Equifax, and XXXX. I tried to explain my situation to the credit bureaus, and dispute the charges. But they still wont remove it. Before my ex got XXXX, there was also a final XXXX XXXX that I had against him for his XXXX XXXX   me. The XXXX XXXX happened in front of police officers as well. And since my exs uncle works for the dealership, they wont do anything.
Product: Credit card or prepaid card

I received statement from Discover on XX/XX/2022, I tried contacting them by mail no responds and the violations continue violation 15 USC 1605 ( a ) Determination of finance charge violation 16 USC 1692c ( 2 ) ( a ) ceasing communication failure to do that violation 15 USC 1692f ( 1 ) unfair practices violation 15 USC 1692e ( 2 ) ( a ) False or misleading representations they continue to violate my rights with no regard. I also had an unauthorized payment of XXXX took out of my account and told them about it and stated that it was fraud and they said there was nothing they could do about it, so they took XXXX out my account and never returned it to my bank when they said they would and continue to rack up all kind of unnecessary chargers to my balance.
Product: Checking or savings account

I went to a chase atm to deposit cash. Used my phone to tap and deposit. I deposited the cash and after the atm took my money it sent an error code. It was approximately XXXX XXXX I don't remember because I panicked. The machine printed a receipt with a phone number to call to make sure it went through. I tried to speak with someone no one was available. So I called back to listen. To deposits. It was not there.
Product: Student loan

I was enrolled at wyotech in XXXX Florida for school. I was told that I had no choice but toGet this loan from genesis lending for my XXXX academic year, I had to get this personal loan for {$5000.00} to be able to finish my school. The XXXX advisor never explained this when I started my first academic year, anyway I was also told that hey would find job placement as soon as I got out of school, and they did not do anything to help me, I have had financial hardship since I have been out of a school and could only find a job that pays me XXXX an hour. My loans are to high and genesis will not work with me and the interest is 12.9 % and each Month they charge me an additional XXXX late fee. Everything I was told has been false regarding the loans and interest, as well as the job market, there are no jobs that are paying XXXX to XXXX an hour! I have had extreme hardship trying to pay this debt to my fed loans as well as genesis. My genesis loan is still at XXXX 3 years and it only shows XXXX paid!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company multiple times regarding the multiple fraudulent accounts reporting on my ChexSystems report. They are still reporting on my ChexSystems even after providing supporting documentation to prove it is not mine. There are multiple addresses that do not belong to me and they're still reporting on my credit report.
Product: Prepaid card

Over the XXXX holiday, American Express made duplicate charges to my card. When I tried to call the customer service number, the number was not active. I tried to file a complaint with American Express and they kept transferring me to the nonworking customer service number. I explained the number was not working, but customer service reps continued to transfer me to the working. The duplicate charges were not addressed in a timely fashion. I had no money.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXXXXXX Balance Owed : {$4200.00} XXXXXXXX XXXX Balance Owed : {$2100.00} XXXX XXXXXXXX XXXX Balance Owed : {$4800.00}