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

I've sent several emails and documents stating that XXXX XXXX XXXX XXXX Sc XXXX and XXXX XXXX XXXX XXXX Sc XXXX are address that I never resided sent my current paperwork to show prior address they refuse to remove those addresses those address are tied to the fraudulent account that were opened without my consent that I am currently disputing as well. I had several conversations about the information and documents that was sent in to verify my prior address and current addresses. I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with, nor did I provide written consent for my credit report to be accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2016, I received a notice about a late payment for on my XXXX XXXX credit card - comenity bank. I notified them that I had not received any bills or notification and paid the bill in full right away. I had them update my mailing address ( which they did not have the correct address ) and my email address. I was told this would have no negative impact to my credit because of the measures I took to resolve. 

For the last 3 years, I have had this 1 single late payment reflected on my credit report and have never had a late payment before this false report. I have excellent credit and am very meticulous about my finances. I would like to have this rectified on my report to reflect my level of conscientiousness and the fact that they did not have the proper information in order to send me a paper bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my credit with Experian multiple years ago. 

I wanted to check to ensure my freeze was still active. You used to be able to freeze and unfreeze on their website without an account. I set up my free before an account was required. Now the system requires an account. 

I tried many, many times to create an account on experian.com, but it simply would not work, and no errors were present to indicate what was going wrong. I called them many times and tried to get in touch with a human to figure out the problem. Their regular support phone system is terrible and will now allow you to reach a human. I had to use their business support line to pretend I was a business then, upon connecting to a human, inform them of my actual issue so they could transfer me. 

When I got to an actual human, they were extremely confused and had difficulty understanding what the problem was. They had to call many different departments and supervisors to relay my information without actually connecting me directly with the more useful employees. They ultimately said " you can not create an account because you have a credit freeze in place, we need to lift the freeze so that the account creation mechanism can pull a credit report and verify your identity ''. I said okay, they unfroze it, I tired again, and it still wouldn't work. They then put me on many holds as they called various other departments to see what was wrong. They then concluded that there was some inaccurate information on my credit report that was preventing me from creating the account. They said the only way to resolve it was to mail me a hard copy of my report and, upon receiving it, I need to then call them back ( somehow navigating the terrible phone system ) to then dispute any inaccurate information or confirm that there is indeed no inaccurate information, at which point they would have to escalate the issue. 

I now have to wait XXXX weeks to get the report. I have little faith that I will be able to resolve the issue once the report is in hand. In the meantime, until this gets resolved, if it ever gets resolved, I am completely unable to freeze and unfreeze my credit with Experian. This is an infringement on my rights, as the FTC recently rules that bureaus must allow free access for consumers to freeze/unfreeze their credit on demand : https : //www.ftc.gov/business-guidance/blog/2018/09/new-freeze-law-effect-september-21st-your-business-ready I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX  : {$2700.00}
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX 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 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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 card or prepaid card

Discover Card has lowered my limit thus having my utilization rate percentage go up and is killing my credit score. I have never been late with a payment or never paid a minimum payment. I was not warned or given any explanation for this.
Product: Mortgage

I made an inquiry at XXXX XXXX regarding a home equity loan. I received a call from Loan Depot and the very first thing I said to them was that I am NOT interested in refinancing my home ; I am only interested in home equity loans. The initial caller assured me that such an option is available and then transferred me to XXXX XXXX. I AGAIN told XXXX XXXX that I am not interested in refinancing, and that I am only looking for home equity loans. He again assured me that this was an option. During the interview process he asked me what my current first mortgage loan interest rate is. When I told him, he said he thinks he can match that, so once again, I told him I am not interested. He said " that 's fine '' and continued with the process. After giving him all of my information and allowing him to make a hard inquiry on my credit, he comes back and says that he has this " great refinancing offer available ''. When I again remind him that I have no interest in refinancing, and that I ONLY want a home equity loan, he then tells me that option is not available. I feel XXXX XXXX deliberately led me on to try to sell me a home refinance loan, knowing full well that a home equity loan would not be available to me, even though I repeated told him that I was not interested in a refinance loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit annually to verify all data is accurate. I take pride in my good credit and maintain approximately XXXX fico. In XX/XX/XXXX I sent copies of my drivers license, social security card, deed of trust ( mortgage ) and utility bill to receive a copy of my report from Equifax, XXXX and XXXX. I noticed there was a " variance '' in my social security number. My accurate social security number ends in XXXX and all 3 agencies report a variance of social ending in XXXX. 

and According to the Fair Credit Reporting Act I have a right to have my personal information accurately reported. If inaccurate it is the legal obligation of the credit reporting agency to validate or remove inaccurate data. XXXX and XXXX were very professional and were able to delete the variance in social security number. 

Equifax refused to investigate or delete the inaccurate data. It is for this reason I have filed a complaint with the GA Attorney General and written to XXXX XXXX XXXX, XXXX, Equifax, about the issue of inaccurate personal data maintained by Equifax. 

I am formally requesting the Equifax immediately delete the variance in my social security number and send me a new credit report reflecting the deletion.
Product: Debt collection

Account number : XXXX Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Debt Validation Request To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt you claim I owe. Please consider this letter a formal request for validation of this debt, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request the following : 1. Verification of the amount of the debt.

2. The name of the original creditor and any documentation substantiating your claim.

3. A copy of the assignment or purchase agreement proving that your agency has the legal right to collect this debt.

4. A detailed accounting of the debt, including how it was calculated and any payments made toward it.

Until you provide the requested information, I respectfully ask that you cease all communication with me, as well as any reporting to credit bureaus regarding this alleged debt.

Please note that this letter is not an acknowledgment of any liability for this debt, nor is it an agreement to pay. I reserve the right to dispute the debt further once you provide the requested documentation. 

Thank you for your prompt attention to this matter. I look forward to response.
Product: Checking or savings account

Marcus Bank offered a savings deposit bonus. If you deposit XXXX for three months you receive a {$100.00} bonus. I have been told three times on the phone by the bank that I qualified for the bonus, but it hasnt been paid. Twice I was told it would be deposited the next day and it was not. The last time I was told the case has been resolved but they could not tell me when the bonus would be deposited. It has been more than 6 weeks since I qualified and they havent honored their promise. I have to think there are many other accounts in the same position. Please fix my problem and consider examining whether the bank is doing this to many depositors.
Product: Money transfer, virtual currency, or money service

My Coinbase account was restricted with unknown reason but they hold my funds.This company is scam.Even if when we deliver our problems, they take us for granted.without answering even in five months. 
Username : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account number XXXX is not mine needs to be removed ftc report number XXXX account needs to be removed and blocked on credit report according toFCRA 605B ( 15 U.S.C. 1681c-2 )
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXX XXXX Balance : {$75000.00} ; XXXX XXXX XXXX  XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX  XXXX Balance : {$48000.00} ; XXXX XXXX  XXXX Balance : {$5100.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$0.00}. 

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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, personal loan, or advance loan

I am paying a loan for a travel trailer camper, I pay my loan on time ever month. I typically pay over the required monthly payment with the expectation that the extra amount is going toward principal, it even states that on the monthly statement. But I just noticed on my statement the next amount due is far into the future ( XXXX ), not monthly. So I question this, stating that you are not putting my extra payment amount toward principal, you are putting the extra amount toward the next monthly payment. The person said no, we are putting it toward principal and it should state that on the monthly statement, which is does. I asked why my next bill was not due for months and they said because you paid extra and its applied to that next months bill. Call me crazy but you can't put the money toward two different places. 

I think this is a scam to get you to pay more interest.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased an item from XXXX XXXX using Afterpay. The package was stolen. I have video footage and a police report. Because Afterpay paid XXXX XXXX upfront and is now taking payments every XXXX weeks from my bank account. NO one wants to take responsibility for refunding or replacing. I have no item and Afterpay is still charging me. Afterpay won't contact the XXXX for a refund ir resolution. Everyone is satisfied but me. I'm paying for an item I never received. XXXX XXXX hired the delivery company, delivered XXXX days ahead of time and without a signature required. Afterpay refuses to resolve this issue, but keeps taking my $ . Afterpay only wants to be the in-between for the $ $ portion only and not when there is an issue. They are like a loan shark. There are numerous complaints on XXXX  against them.
Product: Credit reporting or other personal consumer reports

Credit Karma is reporting credit scores that are XXXX lower that what the XXXX Agencies have at the same time or 30 days prior. Credit Karma gave me an updated report and reached out to XXXX to do the same. XXXX gave me my score for the XXXX prior and current. XXXXredit Karma provided me the same and the were consistently were XXXX and XXXX lower. They told me they're reporting what XXXX is giving them. How is this possible if you receive information, you post that information. I reconfirmed XXXX information by asking XXXX of my Banks XXXX XXXX for a copy of my report due to a recent application and it was aligned with XXXX, not Credit Karma. Now because of this credit offers from Credit Karma I should receive I'm not instead I'm receiving the higher interest rate, with lower credit lines. This looks like a form of XXXX or predatory profiling.
Product: Debt collection

I bought on credit some furniture and they start callin the day its due and every day 5-6 times every day
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed with equifax several times by mail and online i have even called equifax.They are reporting a public record chapter XXXX bankruprtcy on my report they said they verified through XXXX XXXX i have my XXXX  XXXX  report and its not on there at all so that means equifax is false reporting and i want it removed. 

I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX  XXXX  is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, AMEX XXXX, AMEX XXXX, AMEX XXXX
Product: Debt collection

yesterday XX/XX/23 at XXXX i am trying to coordinate with the agent/representative, that i can only able to pay {$150.00}, but they said they can not accept. It was the agent from XXXX XXXX XXXX XXXX who made a mistake, because i cancelled the policy way back XXXX, but no one did it. So they charged us a month bill which we have an active auto insurance with the other company. And today XX/XX/23 i called up by XXXX I spoke with XXXX and I am willing to pay instead of {$150.00}, i can only afford to pay even {$100.00}, but they don't want to accept it, she told me that the amount they can accept is {$390.00}, I can not afford that amount, we have already issues to pay our mortgage due to unemployment/XXXX  with my spouse and family got covid too. But they don't listen to me. They want to collect which i'm not liable to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  account I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, therefore any such debt, in fact exist
Product: Credit reporting or other personal consumer reports

I reached out to the company over 4 years ago asking the company to remove the information from my credit due to the statue of limit in Pennsylvania. I also Its now XXXX years and that information is still circulating on ny credit and affecting a negative way
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. The last one being sent to Equifax on XX/XX/2022 with complete attachments of my personal information including the Police Report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Jefferson capital is trying to collect a debt from XXXX that was paid off over XXXX  years ago. It's ruined my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$270000.00}, and XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00}.
Product: Debt collection

Spam calls all day for 7 days straight, leaving voicemails that I will be served with court documents to appear in court regarding a credit card account that was XXXX in XXXX bankruptcy in 2013. Both women I spoke with were highly rude when I spoke to them about their false claims! They spoke over me when I tried to speak. I asked for an email address to send my documents to to verify the account was XXXX in the bankruptcy and was told I could show my docs in court.
Product: Debt collection

I am reaching out to request the deletion and removal of the accounts and associated information from my consumer report. I insist that the mentioned accounts and information should not be included in my consumer report, as it constitutes a clear violation of both the FDCPA and FCRA regulations. It is imperative that these accounts and information are promptly eliminated from my consumer report, as their presence violates multiple laws. I urge you to take immediate action to remove these accounts and information.