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

A dept collection agency ( XXXXXXXX XXXX  ) filed a collection on my credit report that does not belong to me. The original loan company was stated as XXXX XXXXXXXX which i have no records of. I filed a dispute with Experian stating that this was not mine and i have no records for this claim. Dispute was filed XXXX XXXX th. Since then i have disputed this several times with Experian as they keep saying that XXXXXXXX XXXX claims their information is correct. On XXXX XXXX i was contacted by XXXX in an effort to collect the XXXX dollars on this account and i disputed this account with them stating it was not mine and that i would be filing a police report which i did on XX/XX/XXXX, i was asked if i had received their emails about this collection and i said no. I then asked what was the email address they had for me and the email that i was told was not mine. I contacted XXXX on XX/XX/XXXX and was told there was an account with my name and info on it and they said that this account was dated XX/XX/XXXX. I checked my bank records for the time period that this account was opened and there was no deposit made from XXXX also did a search of my emails and there were no emails to or from XXXX XXXX also said that this account was done online, which would mean i would have emails from them. So someone stole my info and made an online loan with XXXX  and never paid it back and now XXXX is trying to collect the XXXX dollars from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid IC Systems in XX/XX/19 in the amount of {$230.00}. This is still showing as an open account and it needs to be settled and closed ASAP.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Unauthorized Furnishing/Access of Credit Information for XXXX Accounts To whom it may concern I am writing to dispute the reporting of the following accounts on my credit report. These accounts are reported as XXXX, and I assert that I never provided written consent to these entities to furnish or obtain my credit information, as required under XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ). 

Disputed Closed Accounts : XXXX  BANK/XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX BANKXXXX Account Number : XXXX Under the FCRA, a permissible purpose is required for any entity to access or furnish my credit information. I have no record of authorizing these entities to report or access my credit file, particularly after the accounts were closed. Additionally, I challenge the accuracy of any reported information associated with these accounts. 

Requests for Investigation : Verify Authorization : Provide documentation demonstrating that each entity had written consent or another permissible purpose to furnish or access my credit information. 
Confirm Reporting Accuracy : Investigate the accuracy of all information reported for these accounts, including account status, balances, and payment history. Delete Information : If the investigation finds that these entities lacked permissible purpose or that the reporting is inaccurate, I request immediate removal of the disputed entries from my credit report. 
To assist in your investigation, I have enclosed : A copy of my credit report with the disputed accounts highlighted. 
A copy of my government-issued ID for identity verification. 
A utility bill or other document confirming my current address. 
I request a written response to this dispute, including the results of your investigation, within XXXX days as required by the FCRA. If the disputed information can not be verified or is found to be inaccurate, I expect it to be deleted promptly from my credit file. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this issue. 

XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Business : The Bureaus Inc Issue : Double reporting! Reporting an old account as a new account in which they are trying to make the old collection account seem new and making an attempt to damage credit score even more
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$9500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous complaints against equifax and equifax is not being responsive. Equifax claims that I provided incorrect information and equifax claims that equifax does not have any of my valid data. However, I have talked to an agent and the agent states " uncertain why the customer can not access data when the customer provides correct information. Also, equifax wants to have my social security number and valid address and claims that equifax does not have my specific data. However, the social security number and specific address was mailed and uploaded to equifax. So, equifax has my data and has responded to my mailing address. The behavior and communication of equifax is similar to the police-bus in Georgia where the officers blatantly lie about not searching through personal belongings while the video says otherwise. Furthermore, equifax claims that a security freeze is placed on my account while unable to verify such data. Besides, equifax does not allow US citizens to view their account regardless of any fraud data that is occurring. In summary, equifax is the worst credit reporting agency that ignores consumers and customers.
Product: Credit reporting or other personal consumer reports

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED XXXX XXXX XXXX  REPORTING INACCURATE INFORMATION ON MY REPORT. I CONTACTED THE CREDITOR IN REGARDS TO LATE PAYMENTS BEING ADDED TO MY ACCOUNT. THIS SECOND ATTEMPT TO RESOLVE THIS ISSUE. 

I HAVE NEVER BEEN LATE. LATE PAYMENTS HAVE BEEN ADDED TO MY ACCOUNT DUE TO BILLING ERRORS, WHICH IN VIOLATION OF 15 USC 1666B ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement ( 5 ) A computation error or similar accounting error made by a creditor on a statement. 

THE CREDITOR FAILED TO FURNISH A STATEMENT 21 DAY PRIOR BUT FURNISHED LATE PAYMENTS. 

IN ADDITION, MY PAYMENT HISTORY HAS SHOWED ACCURATELY FOR THE PAST 2 YEARS. I CHECKED MY CREDIT REPORT AND 23 LATE PAYMENTS WERE ADDED RANDOMLY, WHICH ALSO IN VIOLATION OF 15 USC 1681E ( B )
Product: Checking or savings account

On XX/XX/2020 someone allegedly impersonating me by allegedly showing an ID that matched my information ( although teller did not make a copy of the presented ID ) walked into a US Bank branch in Missouri ( I live in Illinois and have never been to Missouri ), filled out a counter withdrawal slip that does not match my name or any signatures on file, and was successful in walking out with {$5100.00}. The fraud department requested a provisional credit from the specific branch in Missouri on XX/XX/2020, stating to me that this should not have happened because the counter withdrawal slip does not match name or signatures. I also filed a police report and reported alleged identity theft and secured all of my accounts and identity with XXXX and placed a freeze on my credit. I have not heard anything else about it from the bank despite calling them multiple times about the provisional credit and providing them with everything they need. This is a large sum of money and I am baffled at how someone is able to walk out with such a large sum of cash after having filled out a counter withdrawal slip with a different name and signatures that do not match. My name is not very common and the account was opened in Illinois and i live in Illinois. I believe the bank was extremely negligent in disbursing these funds or in was an inside job since I am a POA on that account and I am not sure how anyone would know this information except for the bank, and the bank is now dragging their feet in reimbursing the account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Hello, In 2019, I purchased XXXX money orders. The money orders have not been used and I have the receipts. I contacted Money Gram to return the money orders for a cash refund. Money gram basically said that even though the money orders have not been used, that the money orders have no value now because MoneyGram has deducted the full face amount as fees. 

Money Orders : XXXX. {$50.00} XXXX XXXX. {$20.00} XXXX XXXX. {$75.00} XXXX I believe that this is stealing from me, the consumer. I am making this compaint because consumers should have more time to return their monty orders, especially since the XXXX XXXX. MoneyGram has made no concessions for consumers due to XXXX I was sick and could not use the money orders in time, I am just coming back toeing able to handle my affairs and returning these money orders was something that I needed to do. 

This services as a formal complaint, I want a refund.
Product: Checking or savings account

I scheduled a billpay back in XXXX for XX/XX/XXXX remittance from my Ally Bank Checking account for the amount {$1700.00} to be sent to my mortgage company XXXX XXXX. I am now told that on XX/XX/XXXX Bill Pay system attempted to make payment electronically but was denied as I was not in XXXX XXXX 's system yet ( loan account undergoing service transfer ) and they couldn't recognize my account number so the funds were returned. Ally Bank Bill Pay has held the funds now and refusing to return it to me. I am now at a loss of {$1700.00}. I filed dispute with Ally Bank to reclaim my funds and they refuse to resolve my dispute or return my funds. I need my money back in my checking account so I can complete my Mortgage payment before XX/XX/XXXX when my payment is due. Ally Bank is totally irresponsible and unreasonable to allow billpay to hold my funds in limbo and not sending to merchant or returning funds back to me. This is totally irresponsible and unethical practice ( probably illegal too ) by Bill Pay enjoying interest by holding my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have committed fraud and have opened charged debts for lines of credit that do not belong to me. All these accounts are reported charged off but also reflect a balance which is also fraud and incorrectly being reported. 15 U.S. Code 1681s2- States furnishers have a duty to report information accurately which has already not been done on my credit profile. These debts negatively impact my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX
Product: Debt collection

This company obtained a judgement against me for a credit card debt that is more than 5 years old, they are now attempting to renew the judgment against me. I never received a summons to appear in front of a judge. The original credit card was for less than {$400.00} dollars and they are attempting to gain a garnishment against me for over {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/XXXX, US SM BUS ADMIN ODA Inquired on XX/XX/XXXX, JPMCB CARD Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting or other personal consumer reports

Transunion is not removing the fraudulent accounts on my credit report XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX And other 19 accounts XXXX XXXX
Product: Credit card or prepaid card

This a for a Mastercard issued by Banco Popular de Puerto Rico. When I make a payment on my card the company puts a security hold on my payment for XXXX to XXXX business days before they post the payment to my account. On XXXX XXXX they also put a security hold on my account due to what they say is suspicious activity, my bank returned a payment, and rejected all charges to my account thereafter until I called on XXXX XXXX to see what was happening even though I had fixed the problem with my bank and had made another payment to the card that processed correctly on XXXX XXXX. On XX/XX/XXXX I had to call them to get the security hold removed. I have had nothing but problems with this credit card company. The terms of agreement does not contain payment information that relates to holds on payments for security purposes. This caused at least one of my utility payments that was on autopayment for XXXX dolllars and some change to this card to be returned and the credit company refused to fix this costing me extra money and time spent working with my utility company. 

My biggest issue is I have ask the company for a customer complaint form and they have advised me they do not have a way for a customer to file a complaint but the customer representative will submit the compliant for me. I have ask them to submit a complaint but I do not received any feedback about the compliant.
Product: Debt collection

DEAR CAVALRY SPV ; XXXX XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 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 the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question.

You have violated my rights under the following sections of the FDCPA : 1. 1692d : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action.

2. 1692e : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter.

* 1692e ( 5 ) : Threatening to take legal action that can not legally be taken or is not intended to be taken.

3. 1692g ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter.

4. 1692f : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX contacted XXXX XXXX XXXX XXXX. Customer Service would not investigate, and after several years tried to get the incorrect information corrected. Dated XXXX XX/XX/XXXX. 

Account : XXXX XXXX XXXX XXXX Acct # XXXX No information or validation. They do not investigate, they only go in and look at a computer. No validation of the mail, what procedure is used. 

My rights have been violated by the following : - Sharing of my report and posting inaccurate information - the credit report is hindering me and my family from good standings with is costing me and my family more money to acquire better credit scores- Sharing of my report to all creditors that I apply for with the following statement -- " Serious Delinquincy '' This is an adverse condition
Product: Prepaid card

On XX/XX/year> at XXXX in the XX/XX/XXXX, I gave {$340.00} cash to XX/XX/XXXXfor a Visa Debit Card from NetSpend ( value {$340.00} ). I was unable to use the card. So, I went online to activate the card. The website said, theres a problem with the card, & I have to call XXXX. So I called the number at XXXX in the XX/XX/XXXX& was asked for a lot of personal information including my social security number. So, I hung up. I double checked the information on the back of the card. The number displayed on the back of the physical card. So, I called the number back at XXXX and spoke with XXXX . She informed me my card had been closed and I would receive whatever balance remained on the card via check in 15 business days. So, I paid XXXX for the privilege of letting NetSpend invest my {$340.00} for the next 3 weeks. This is a scam. Its a loophole legally, but I lost {$2.00} and whatever value I could have earned from the {$340.00}. I will update this complaint in 16 business days if they do not send the check. 

My phone records indicate I spent 45 minutes on one call that dropped before I could speak with a manager ( Above supervisor ). Everything here seems like a scam. Ive spent an over 90 minutes on the phone and had no resolution.
Product: Credit reporting or other personal consumer reports

I paid off XXXX XXXX XXXX and Transunion has shown that neither adjustment wasnt made to my XXXX XXXX
Product: Debt collection

Son ( who is XXXX ) lived at a different address during XXXX of 2014. I am XXXX but we have similar names. 
XXXX is looking for money from him and tuned it over to a debt collector. For the last XXXX to 9 months they call XXXX a day and dont say anything ... .they sent a letter to us 3 weeks ago and i called and explained that this debt is not mine that I am current with XXXX and on Auto-pay. They assured me they would take care of it and promptly dinged my credit. I launched an investigation with all XXXX credit agencies and have filed a complaint against ERC, XXXX XXXX XXXX, XXXX, FL XXXX Phone XXXX, with the Florida ATTY General for Fraudulent reporting to credit agencies.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the late payment entry on my credit report. Despite my previous correspondence, I am disappointed to note that this matter remains unresolved, and I am increasingly concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). As previously stated, the late payment entry on my credit report is inaccurate and unjustified. I have meticulously reviewed my records, and there is no evidence to support the claim of a late payment to [ Name of Creditor ] on the reported date. Furthermore, it has come to my attention that the inclusion of this inaccurate late payment entry on my credit report may constitute violations of the FCRA. The FCRA mandates that credit reporting agencies ensure the accuracy of information contained in consumer credit reports. Inaccurate reporting, such as the inclusion of a late payment that did not occur, not only harms my credit score but also violates my rights under federal law.

I am deeply troubled by the failure of [ Credit Reporting Agency Name ] to rectify this situation promptly. Despite providing evidence to support my dispute, the inaccurate late payment entry remains on my credit report, causing ongoing damage to my creditworthiness and financial standing.
Product: Debt collection

This debt was never mines to begin with. I have disputed this debt with the debt collector stating my identity had been stolen and a credit card was applied for in my name. This debt is drastically harming my credit score and I would like for this issue to be resolved.