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

Per FCRA Regulations, creditors/collectors are required to include Original Creditor Name. This required information is not provided by XXXX XXXX XXXX for 2 collection accounts with balance of XXXX opened XX/XX/XXXX and {$3500.00} opened XX/XX/XXXX. 

I have written to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX requesting a Debt Validation Letter for both collection accounts. XXXX XXXX XXXX did not respond to either request and provide requested information. 

Please remove both collection accounts from my XXXX credit report given this creditor is violating my rights under FCRA.
Product: Prepaid card

I purchased a {$15.00} Google Play Gift Card from XXXX and now I am having trouble using the XXXX XXXX. I have contacted Google, provided them with the necessary information and I still can not activate the XXXX XXXX
Product: Money transfer, virtual currency, or money service

I bought a house in North Carolina last XXXX My escrow was set up to pay the insurance and the property tax. The closing agent sent out the check to the address on the invoice, and the money got deposited. However, the insurance company said they did not cash the check and asked me to re-pay the invoice. The closing agent submitted the claim last XXXX, but the bank investigation has not finished yet. I have attached the insurance company 's affidavit and the scanned cashed-out check. 

I tried to contact the bank, but the money was not under my name, so they refused to help. The money is mine, but I have no way to monitor it or know when they will refund me. 

Could you help to solve this problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I spoke with " XXXX '' from Experian at XXXX regarding Report # XXXX. Specifically, I called to request the Method of Verification Experian used to determine the accuracy and completeness of the information on my dispute concerning entries relating to XXXX XXXX XXXX that appear on my report. The dispute was completed today with none of the corrections I pointed out in my dispute, so I wanted to make certain Experian promptly provided me the required description of the procedure so that I would have all the details for further follow-up. I also asked for this information in advance when I submitted my dispute, plus I sent a confirming letter to follow - both by certified mail. 

XXXX said " NO, '' Experian WILL NOT release the method of verification used for my dispute. Experian " will only send the results in the report. '' He went on to explain that Experian " only serves as a channel between the creditor and consumer '' and that I can contact the reporter for more information. When I objected, XXXX said I can file a complaint with CFPB but that what he stated " is how we handle it. '' FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

My dispute pertaining to the entries under XXXX XXXX XXXX previously resulted in a " verified '' result. Thereafter, and for the avoidance of all doubt, I provided additional information and details with notice that I intend to continue pursuing entries that are entirely inaccurate and incomplete, and represent a very serious error in the reporting. Moreover, as mentioned above, I asked that the Method of Verification be provided and specifically objected to use of any automated response or e-Oscar verification system. These ACDV systems are both unreliable and improper. ( Apodaca v. Discover Fin. Servs., 417 F.Supp.2d 1220, 123031 ( D.N.M.2006 ) ; Bradshaw v. BAC Home Loans Servicing, LP, 816 F.Supp.2d 1066, 107374 ( D.Or.2011 ). )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and the Mortgage company on several occasions. However, both mortgage companies are reporting my account as being opened. XXXX, is reporting my account opened and XXXX XXXX is reporting my mortgage account as being opened. This is making my debt-to-ratio to be high and I was denied credit for this.
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 Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX and 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: Money transfer, virtual currency, or money service

A guy by the name of XXXX XXXX asked me to take a loan for him because we were in a so-called relationship. The XXXX guy stated that XXXX XXXX was one of his vendors that he needed to pay her. I made the transfer and waiting for XXXX to pay me back and he never did and now I am asking for the bank to send me the money back, so I can pay the loan back.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Carter young is falsify information to collect on debt that is not mine. It is fraudulent. They have also violation of FCRA AND FDCPA by adding additional fees to alleged debt to collect. I have sent them a dispute and they sent back a letter with multiple false names which are not mine and false information. This is effecting my livelihood. I demand for {$1000.00} due damages carter young caused me stress, mentally, physically, and also emotional distress with the constant calls.
Product: Credit reporting or other personal consumer reports

I went into the XXXX XXXX Bank on XX/XX/XXXX, to discuss my XXXX mortgage payment. I hoped that arrangements could be made regarding the XXXX payment only. I was trying to avoid XXXX late penalties for consecutive months. As the date I receive my retirement pension falls after the XXXX of most months. I knew if this was a possibility I would certainly be able to make my regular payments on time beginning XXXX. 
I sat down with XXXX XXXX ( XXXX XXXX XXXX # NMLS # XXXX ) and shared this concern with her. She then called the Mortgage Servicing Dept via speaker phone. We shared with XXXX ( XXXX XXXX XXXX ) the concern. XXXX stated that the XXXX payment would be spread out over XXXX months. I agreed to pay {$140.00} plus regular payment amount of XXXX XXXX monthly for 6 months. Which I did. There was no mention of having to pay the late fees. 
The very thing I tried to avoid has happened. Included with my XX/XX/XXXX statement, due XX/XX/XXXX was a late fee charge of {$27.00}. As you can see on the attached statements no late fees were noted prior to this statement. I called and spoke with XXXX on XX/XX/XXXX in regards to the fee to no avail. I called again on XXXX, spoke with XXXX in Collections, XXXX in Mortgage Servicing to no avail. I was told there wasn't anyone else I could speak with. The bank is aware of the agreement and there are notes in their file. Im not sure why the bank didnt abide by the agreement. Perhaps it was due to a lack of training. While I didnt receive a written agreement, I thought it would be ok as the bank official XXXX XXXX heard the agreement as I did and she is just as concerned as I am regarding this issue. XXXX has made as many calls as I have concerning this. As a result of this reporting now showing XXXX month late on my credit report and XXXX of my credit card accounts has been closed. I would have sought other options had I known it was going to be like this. My plan was to avoid having negative reporting on my credit report. I have disputed the fee with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never tried to open an account with XXXX, But today while I was setting up my XXXX XXXX account I found two enquires from XXXX on the same day which is on XX/XX/2017 Kindly help me out this issue.
Product: Debt collection

MRS Associates contacted me claiming to represent XXXX. I immediately did three things. 

First, I disputed the debt. The claim is not valid. 

Second, I requested written verification of the debt. 

Third, I requested they NOT call me at my work. 

The person on the phone was pretty silent. I told them I understood my rights and I was exerted them. They hung up. They did NOT respond to me again. 

The SECOND CALL I stated again the same three statements. I dispute the debt as it is NOT valid, I require written verification and they are not to contact me at work. 

Today, XX/XX/XXXX, they called me a third time. I demanded a supervisor. They delayed and at first denied they had supervisors. Finally, I spoke to " XXXX XXXX '' XXXX XXXX 's conversation meandered and contradicted itself. I again stated that twice prior I had disputed this debt and had requested written verification. He fist claimed they had never contacted me before. I stated, regardless, I require written verification of the debt. HE REFUSED, claiming they had sent it prior. I stated the obvious. that first he claimed they had never contacted me, now he claimed they had verified. I stated I had never received written notification and I required it. He said he couldn't do that. I stated SIX TIMES that I required written verification. I asked him if he was refusing to provide it. He would not answer me. 

XXXX XXXX said there would be " legal consequences ''. I responded that I was aware of my rights under federal law and that he was required to provide me with written verification. He refused, this was the 7th time in the same conversation. I told him that they should not call me at work and that I was going to report them to the state attorney general and other offices. He hung up on me.
Product: Credit reporting or other personal consumer reports

" I previously challenged the erroneous and incomplete information on my credit report, yet [ EquifaxXXXX ] did not correct it, thereby violating the Fair Credit Reporting Act ( FCRA ). To support my challenge, I provided clear evidence, including : - Marked credit reports that highlight all discrepancies and inconsistencies.

- A formal dispute letter outlining the errors and specifying the necessary corrections.

- Copies of my government-issued ID, Social Security card , and proof of address to verify my identity. 

Despite submitting all the required documentation, the inaccuracies and omissions remain on my credit report. Under the FCRA, my report must be accurate and complete, and the failure to make these corrections constitutes a violation of the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, account no.XXXX  is erroneously reporting on my EXPERIAN AND XXXX  reports post dispute.The account, balance history, charge-off status ... everything is wrong.First of all, what they are missing was that I paid off the account, over the phone with my XXXX debit card when the total balance was about 250 dollars..no evidence of that in the record.Secondly, the account is re-aged, the date of 1st delinquency is about 9 months prior to what the record states.

Delete the account from all bureau files ... I can acquire my bank records any time I need it even if they are archived to prosecute the bank and the bureau for statutory damages due me.When my purse was stolen in late 2014 for which a police report was filed someone gained access to my identity and opened many credit accounts in my name.If they were able to abuse this account, they did, they were professional thieves.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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: Credit reporting

I submitted multiple disputes with Experian regarding acct identifier : XXXX. This acct was closed in XXXX and was Paid in Full on XXXX. With every dispute the status of the acct got worse culminating in XXXX when this fully paid and closed acct showed up with an Open - Collection status which caused me to be denied for credit by XXXX ( inquiry on XXXX XXXX, XXXX ) due to " recent or current delinquency ''. Experian finally corrected the status of the acct to Paid, Closed but NOT the Payment History where it shows a " C '' mark for XXXX meaning the account is still in collection. This is contrary to the acct status of paid, closed. I called XXXX XXXX who insisted they report correctly. As it stands now, I ca n't even file an online dispute with Experian. I do n't know the reason and it is not stated when they reject me from filing a dispute. I also called Experian who blamed it on XXXX. I filed XXXX complaint XXXX against XXXX XXXX who responded on XXXX XXXX XXXX with a letter ( attached here ). Based on this letter it is clear that Experian is at fault for willful negligence in not removing the Collection mark for the month of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these creditors or creditor has violated my rights under. The following creditors have not provided adequate validation and has violated my rights under FCRA 15 U.S.C 1681a sec 603, 15 U.S.C 1681 sec 602a and 15 U.S.C 1681 sec 604a sec 2, remove account immediately. 

Informative Search ; Date : XX/XX/XXXX Informative Search ; Date : XX/XX/XXXX XXXX ; Date : XX/XX/XXXX XXXX  ; Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX ; Date : XX/XX/XXXX
Product: Debt collection

In 2023 an account with a Care credit card using Synchrony bank was opened fraudulently in my name by someone I was in a domestic abusive relationship with. This person had full access to all of my financial material as well as my photo ID. I became aware of the account when i noticed payments coming out of my bank account months later. I reached out to synchrony bank who informed me there was a balance of around XXXXXXXX XXXX that had gone to collections. I informed them I did not open this account and therefor it had to be from my previous relationship where I was severely mentally, physically, and financially abused. The collector then proceeded to reach out to the veterinary clinic where this account was used and exchange details of the situation. They together contacted my abuser and gave them this same information. I was told they needed to confirm this information with the suspect of fraud and let them know the victim was asking them be held responsible which of course led to retaliation from my abuser. This situation has put me in immediate danger when all I am trying to do is remove something I never opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in the process of educating and correcting my credit scores as required by the banks for my new LLC 's business line of credit and loans. Upon deeper investigation with Equifax, I've encountered XXXX unauthorized and/or fraudulent hard inquiries. 

They are : XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a security freeze with XXXX  when they had their data breach. Today ( XX/XX/18 ), I placed one with XXXX. However, when I attempted to place one with equifax, they stated they were not able to because I have no file with them. This is strange because I have received my annual credit report in previous years, I have mulitple lines of credit ( student loan, car loan, and credit cards ) - I confirmed with all the companies that they submitted information to equifax. 

What is going on with Equifax?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act XXXX  Account XXXX XXXX  # XXXX, and Account XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX, account # XXXXXXXX XXXX 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 angency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the FCRA section 611 this address is not my address and i am not familiar with it, kindly remove it. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

Im a woman in XXXX XXXX, so this is the wrong place to make a complaint. 
However, out of despair for being stuck in a city that has recklesly abused me discriminated, harassed me, due to various indiviudals and a former corrupt mayor. 

I recently opened a HSBC bank account, they were rude, something odd was going on have had some media and an ex, his friend sister works for XXXX PR XXXX XXXX Im not sure, but she might have been contacting my bank to mess with me, leaking my bank account data and other security data. A shopping center and various other companies have gotten full access of my data, the HSBC bank in XXXX XXXX might have disclosed all of my data. The police wont help and they are very corrupt in this city, the FCA haven't helped much. Its caused me a lot of distress, hackers have also been targeting me. Is there another organisation that I can contact?
Product: Debt collection

The debt that was originally obtained via XXXX XXXX XXXX was purchased by a credit collector ( LVNV FUNDING. ) This debt has not been verified and was removed from my XXXX report. Im asking that you please remove this debt for all 3 bureaus. XXXX and XXXX have failed in updating/ removing this debt from my credit profile. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this request on my own behalf. I have enjoyed my experience with this company and am writing to simply request a " goodwill '' adjustment to your reporting to the three credit agencies. I have a series of late payments due to experiencing a medical hardship. I say this not to justify my delinquencies but to indicate that, that time was not a reflection of my credit worthiness. Since that time I have been an exceptional customer paying on time every month and have now completed all payments. I would like, if possible, for these payments to be reconsidered and removed from my credit report. 

These are the accounts I am referencing : DEPT OF EDUCATIONXXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 

XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$9000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX  XXXX
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. 
XXXX {$2800.00} XXXX {$8800.00} XXXX {$1200.00} XXXX {$520.00} XXXX {$3800.00} XXXX {$19000.00} XXXX {$3500.00} XXXX {$0.00} XXXX {$620.00} USDEPTEDXXXX {$2300.00} USDEPTEDXXXX {$4000.00} DPTEDXXXX {$4000.00} XXXX {$2000.00}