23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sequium Asst Solutions have been informed numerous times regarding a disputed claim from XXXX. The debt was also removed from credit reports, however, this agency would NOT stop contacting me. My most recent and final interaction with this agency is when I submitted a written notice XX/XX/2023 and informed the agency to stop calling and providing my attorneys information XX/XX/2023. 

Since then, this agency has not stopped calling me nor responded to my written notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has stated that the item remains on credit report as unchanged and that the account has been verified with the furnisher as accurate as of XX/XX/2020. How is this item verified? Provide me with Experians method of verification by providing the original contract with signature from original creditor, the payoff disclosure, and credit insurance. By law the CRAs are required to provide this documentation to the consumer when requested by law in which, Experian has refused to provide. Via the Fair Credit Reporting Act it is the responsibility of the Credit Reporting Agency to ensure that the information that the creditor is reporting is 100 % accurate and it is not. Experian still reports ( date of status : XX/XX/2020 ) which is an FCRA violation which means that Experian is not conducting any investigations. Experian still does not report name of original creditor which is a FCRA violation. Experian reports contact information for creditor : XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX, XXXX  reports : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX, XXXX  reports : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA. How is this account reporting accurate with three different addresses? Via the Fair Credit Reporting Act information being reporting on a consumers report has to be 100 % accurate, timely, and verifiable. In this case it is not.
Product: Checking or savings account

Recieved an email that a checking and savings account was opened. I had a similar issue happen a few months before and had my credit frozen and fraud alert. An account was still opened
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is not reporting a credit card I am authorized on for a XXXX account with my husband and I.
Product: Credit card or prepaid card

On XX/XX/2021, I purchased a ticket for {$61.00} from a vendor called XXXX for a performance on XXXX, XXXX, 2021 at the XXXX XXXX In Washington , DC. 

On the night of the show, I went to the theatre to find it closed. I believe the city forced the concert to be canceled. I never received any communication from XXXX. The next day, I emailed them to request a refund of the ticket price. I have yet to hear from the vendor and phone calls always get a taped message that says call back later. 

The following week, I filed a dispute with the issuer of the credit card, Capitol One and they immediately, refunded the {$61.00} back to my card. 

On XXXX XXXX, 2021, Capitol One took the {$61.00} back from my card. When I called to inquire about this about face, I received a response that did not make any sense. Please help me to get my money back from Capitol One. I have attached a document to help you with your inquiry. The last four digits of my credit card number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXX ( XXXX XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. Below I have highlighted in yellow boxes of inaccurate information that is being reported on my credit report. I have also attached a picture of my Drivers license and social security card
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  account number XXXX XXXX XXXX XXXX a late payment was reported for XX/XX/2023. This is incorrect. My account was not late and was current. My payments was misapplied by the merchant. I spoke to a XXXX representative on XX/XX/2023 regarding my account was told payments were current and that due to a return check was misapplied after I repaid. I was then told my payment but in time but the system in error reported a late payment. However, a late payment was reported on my credit reports, XXXX, XXXX and Equifax for XX/XX/2023. The account is and was not 30 days past due. Reviewing of the payment history is impossible to indicate my account is 30 days late. I called XXXX and was told by one customer service representative that this error will be corrected and they will report to credit bureaus my account is in good standing. However, I was told my another XXXX representative it was nothing they could do and I needed to call the needed to call the credit reporting bureaus. XXXX, XXXX and Equifax and I was told to contact the merchant directly, in which I had already done and was results from XXXX, XXXX and Equifax was that the merchant XXXX will not update to good standing and no late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$7000.00}
Product: Credit card or prepaid card

American Express raised the annual fee for the XXXX card to {$650.00}. Via online chat I contact Amex to cancel card. While first contact was late XXXX, the date Amex made the fraudulent retention offer was XX/XX/XXXX. Amex offered either XXXX points or a {$400.00} credit if I were to spend {$3000.00} in the next 3 months. I asked how do I confirm registration for the {$400.00}. Amex replied 'nothing I need to do... and it's saved in the chat. ' I met the {$3000.00} spend on XX/XX/XXXX. I paid off the balance and contacted Amex on XX/XX/XXXX to inquire about when I would see the {$400.00} credit. At that time Amex stated there is no promotional offer and I referred them to the chat save above. The Amex response was I never officially accepted the offer to which I copied and pasted the converstaion of me asking " how do I confirm registration ... '' and Amex replying " nothing further to do.. ''. After back and forth the agent assured me I would receive the credit 8-12 weeks after I met the threshold date on XXXX, to which I confirmed several times " credit will be issued between XXXX. '' They confirmed this would be the case. 
On XX/XX/XXXX I followed up to see we passed the date and no credit issues. The Amex agent said they would take 8-12 weeks to REVIEW the situation. Only after much time and pressure Amex said they would respond within 5 business days. 
I waited the period indicated and then an extra few days, no update and no credit. 
On XX/XX/XXXX I contact Amex again and was forced to recap the entire scenario from XXXX to date, again. I was assured the credit was issued and I would see it updated within XXXX. I checked back on XX/XX/XXXX - NO CREDIT. 
XX/XX/XXXX start all over again with agent. Get to the same point where they apologize and " promise '' I would see credit in XXXX. Nothing from this company
Product: Debt collection

Speedy Cash keeps calling me after XXXX at night about a debt they have failed to verify. I have sent multiple emails asking them to verify the debt which they have also failed to do. Last nights call XX/XX/23 was at XXXX and I was in the bed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS LOOKING ONLINE FOR A WAY TO BOOST MY CREDIT SCORE AN RAN ACROSS 2 COMPANIES THAT OFFERED TO REPORT TO THE CREDIT BUREAUS ALL 3 AND THEY GUARANTEED A IMMEDIATE REPORTING TO THE CREDIT BUREAUS. BUT I HAD TO PAY A FEE EVERY MONTH THEY REPORT. THESE COMPANIES ARE XXXX XXXX -- -- -- REPORT AS XXXX XXXX XXXX XXXX =========REPORT AS XXXX XXXX PLEASE XXXX XXXX XXXX, AND XXXX XXXX THEY ARE SCAMMERS!!!! ! XXXX!! I ASKED THEM TO STOP DEBITING MY ACCOUNT AFTER I HAD ESTABLISHED CREDIT OF MY OWN. AND THEY CONTINUED TO DEBIT MY ACCOUNT. THEY DO NOT OFFER ANY PRODUCTS ONLY TO REPORT TO THE CREDIT BUREAU. SO THERE FORE I ASKING THAT ALO 3 CREDIT BUREAUS REMOVE THESE 2 ACCOUNTS FROM MY CREDIT REPORT OR PROVIDE ME PROOF OF PRODUCTS ORDERED AND A PAY HISTORY .I HAVE BEEN PAYING THESE COMPANIES JUST TO REPORT TO THE BUREAUS TO INCREASE MY CREDIT SCORE.  PLEASE REMOVE
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act ( XXXX XXXX XXXX Acct # XXXX ) has violated my federally protected rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. 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 identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the accounts and inquiries which were being posted to my report. Here is the list of items which 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 XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

on XX/XX/2016, I received a call from a person by the name of XXXX from the law firm of XXXX XXXX, which is a principal partner of XXXX XXXX XXXX. According to XXXX XXXX, she represents Portfolio Recovery Associates and she was calling to negotiate on their behalf. Based on information provided to me by Portfolio Recovery Associates one month prior to receiving the call from XXXX XXXX, I had a total debt of {$670.00}. As such, on XX/XX/2016, XXXX XXXX, who I assumed was representing Portfolio Recovery, negotiated with me and agreed to accept {$300.00} as total payment, and according to her, the debt was settled. According to XXXX XXXX, the conversation was recorded and that she was going send me a confirmation letter in the mail within XXXX hours. As of today, XX/XX/2016, I have not receive this letter. In addition, XXXX XXXX, has not return numerous phone messages that I left for her in her voice mail. I have sent a validated bank receipt of the transaction on XX/XX/XXXX which shows that XXXX had withdrawn {$300.00} dollars out of my checking account to the XXXX major credit bureaus for them to investigate this matter, but to no avail.
Product: Mortgage

My husband and I have been trying to complete a loss mitigation package for months. The process started back in XXXX or XXXX. We have sent in several mitigation packages and tons of documents that were requested. We have been denied twice, due to the company saying that they did not receive all of the documents. Our most recent try was on XX/XX/2019. We sent a new packet, along with all of the requested documentation. The company would have received this on XX/XX/XXXX. When we called in to check the status, we were told we were still missing documents. My husband then spoke with a XXXX ( ext. XXXX ), whom told us that he found everything and would send it back to underwriting for further review. We receive a letter from the company, on XX/XX/2019, saying that they still need 3 months of bank statements, Year to date profit and loss statement, 30 days of most recent pay stubs. Since we just sent this information on XX/XX/XXXX, there isn't any recent information to provide to this company, as we provided the latest documents. It's obvious to us, that the company is giving us the run-around or the underwriting team is completely incompetent! As consumers, we feel that the possible loss of our home is not a concern for this company, while we have XXXX kids of whom we are trying to provide stability for. 

What's more puzzling is, around XX/XX/2019 we were told that our packet was complete and we would receive a decision within 30 days. Around the XXXX week of XXXX, we then were told that we had to complete a new packet. I am not certain of what is happening in this mortgage company, but we are getting nowhere in trying to get this mitigation completed. I am hoping that this complaint will reach someone in corporate, whom will see to it, that our file is properly reviewed and processed. We have been stressed for months and now with the holidays coming, this matter/this company has killed any idea of holiday spirit!
Product: Debt collection

this account was a result of my identity being stolen and yet their is a collection for services or things that i never was there for it was opened because of my identity being fraudulently used ... i have since filed updated police report and notarized affidavit of id theft from the ftc
Product: Debt collection

Hello, I could not pay my debt to my landlord on time for {$820.00} and I sent it to the national credit systems collection agency and they are charging me {$1000.00}. I don't know why else they sent a letter to my house offering a fifty percent discount of {$540.00} to resolve the debt and they deceived us, they do not want to erase the debt from the credit history because they want us to pay everything. Sorry I am use a XXXXXXXX XXXXXXXX  for this.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. MERCEDES-BENZ FINANC XXXX and MERCEDES BENZ FINANCIA XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give XXXX XXXX, EXPERIAN written permission to furnish these accounts listed below 1. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

12. The following account is not mine XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

13. The following account is not mine XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason Constant opening and closing on the account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - collection reported to XXXX  by XXXX XXXX XXXX, XXXX, TX XXXX for XXXX {$370.00} delinquent as XXXX XX/XX/XXXX. Phone XXXX. 
XX/XX/XXXX - collection reported to XXXX  by Credence Resource XXXX, XXXX XXXX XXXX XXXX. XXXX, TX XXXX delinquent for XXXX {$1300.00} past due account XXXX phone XXXX. 
I reported dispute to XXXX  & XXXX restoration. Accounts are fraudulently opened and they are not mine. I have lived at my residence for 30+ years and have no association with these accounts reported under my name and social security.
Product: Money transfer, virtual currency, or money service

Nothing happened, l keep getting scammers callers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score that I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. 
XXXX XXXX XXXX Account numberXXXX  Account XXXX XXXX XXXX XXXX XXXX Account numberXXXX Account typeUnsecured Responsibility Individual
Product: Credit reporting or other personal consumer reports

For over XXXX years I have requested the following Companies To VALIDATE these XXXX Accounts. 
Every Time I Request Validation they ignored my VALIDATION REQUEST, but proceed to tell me the accounts were verified as Accurate and did nothing else.I did not request the accounts to be VERIFIED, I requested VALIDATION ( PROOF OF THESE DEBTS ) Why in XXXX  years no one could not send me a Past Due Notice before charging off accounts that were never VALIDATED? where are my Statements please. it is now my XXXX that these companies ignore the FDCPA and just put accounts into Collections or XXXX them off without proof of the debt. All I requested was a Simple XXXX that VALIDATES these debts? XXXX Bank sold XXXX accounts and never VALIDATED Them before they charged them off and sold them to collection agencies.l All XXXX XXXX Credit Bureaus XXXX never tried to resolve my complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX