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

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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

On XX/XX/year> I mailed XXXX, XXXX, and Experian my disputes along with my proof of ID about inaccurate info on my report. I never got a response so I called them many different times a couple of days throughout each week which took forever to reach someone and when I did they " didn't get anything '' XX/XX/XXXX I wrote the letters again and sent them proof of me sending the letters, this time with dispute letter, ID, affidavit, attestation, and court documents from the lawyer on case. It took me XXXX weeks and several hang ups from credit bureaus to respond that I had they still received nothing after I confirmed I was mailing to the correct address listed on website and from agents who worked there. 

XX/XX/XXXX, the same documents to the bureaus WITH A HARDCOPY BECAUSE THE REPS SAID THEY NEEDED HARDCOPY COURT DOCUMENTS FOR PROOF ALONG WITH MY ID. THEY CONFIRMED THEY STILL DID NOT GET ANYTHING.EVEN WITH RECIEPT PROOF FROM POST OFFICE WHEN I MAILED AND WHERE. 

XX/XX/XXXX, I mailed them this time expedited because reps on the phone were still saying they got nothing!! 

WHAT DO I DO WHEN THE CREDIT BUREAUS KEEP SAYING THEY HAVEN'T RECIEVED ANYTHING. ITS FRUSTRATING BECAUSE I CANT GET APPROVED FOR NOTHING. WHATS THE PURPOSE OF WASTING TIME AND MONEY IF THEY TAKE 3 MONTHS TO DO ANYTHING?! 

I wrote them cause I was a victim in a XXXX XXXX  case that involved XXXX  and my social security number being used for others benefits. I sent my hard copies ( that credit bureaus said was needed ) off and never got them back My lawyer advised me that credit bureaus violated me under The Debt Bondage Repair Act ( DBRA ). 
This includes 15 USC 1681 stating I have rights. XXXX AND EXPERIAN have violated my rights many times and I need the accounts removed. I have a right to privacy and did not give XXXX or experian to furnish these accounts under 15 USC 1681 ( a ) ( 4 ). 15 USC 1681 ( a ) ( 1 ) I was violated because they aren't reporting accurate information which undermines my ability to do anything in life. IM A REAL/NATURAL/LIVING PERSON AND I HAVE RIGHTS PLEASE HELP BECAUSE I CREDIT BUREAUS ARE NOT HELPING WITH NOTHING. I AM GOING TO WRITE STATE OF ATTORNEY ALONG WITH XXXX. I WILL TAKE LEGAL ACTION BECAUSE THIS INFORMATION ON MY CREDIT FILE IS INACCURATE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX in 2015 say I owe them {$2400.00}. Id Like to first point out that the furnisher of the information is unreliable. I would also like to add that I have tryed many times with them and the credit bureau to resolve this but XXXX has Updated there info to match from my info I sent in to XXXX  and transUnion proving my name is incorrect and Birth year was incorrect. Many attempts to get them to remove a fraudulent charge has taken place even sending certified letters asking for information as to HOW they came to that conclusion but XXXX  and TransUnion refuse to acknowledge my letters by certified mail. XXXX  has already removed the account long ago but XXXX and TransUnion refuse to do so and refuse to answer my letters with my evidence of such that THEY gave to XXXX and XXXX changed the information to match I assume but NO contract and NO avail to correct this problem but they do keep updating there content on XXXX  and TransUnion. I have spoken to XXXX back in 2015 and had closed an account with them on good standing but then they placed this charge and said I owe for phones in Indiana in which I have NO knowledge of and argued the point many times to no avail. Never been to Indiana. No Family there Either so Fraudulent charges by XXXX. Please help me resolve this issue once and for all. Thank you.
Product: Credit reporting or other personal consumer reports

Equifax Dispute Report Number # XXXX Equifax Agent identification : XXXX # XXXX ( XXXX ) I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 

15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly.

The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section ( a ) ( 1 ) ( a ) anXXXX XXXX Account # XXXX ( a ) ( 1 ) ( a ) Equifax is reporting duplicate account entries. 

XXXX. XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX. Responsibilities of furnishers of information to consumer reporting agencies
Product: Debt collection

Company nrs medation called me first then and then called my Uncle reporting they was going to file a judgement on me in XXXX XXXX.i have both voicemails from my uncle and me from XXXX XXXX XXXX. Which i try to settle made payment lied and said i didnt try to pay sent them my banks states and still lied..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have errors and inaccurate information on my TransUnion Consumer Credit Report. I have disputed these accounts as being inaccurate, and TransUnion had responded by stating they were able to verify these accounts. I requested information about these accounts specifically I requested physical proof to verify account information. Never received requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

: From XXXX I asked three credit bureaus Experian, XXXX, XXXX to update my balances with all of my credit cards along with payment history. They wont update them. XXXX is a closed paid off account. All three bureaus have my owing money. My loan from XXXX XXXX need to be updated with the balance being only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Need to be updated on the balance. 


Remove negative activity from all credit cards and loans and update the credit report.
Product: Credit reporting or other personal consumer reports

I Sent my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Also this is my second time sending a letter to the bureau to give than a second chance to fix it. 

( List of accounts Accounts ) Type of Account : Collections Collection Account : XXXX XXXX XXXX  Account Number : XXXX Type of Account : Collections Collection Account : XXXX Account Number : XXXX
Product: Credit reporting

Hello, I would like to dispute a few errors on my credit report. First, XXXX bank says that I opened a " Credit Card '' on XXXX XXXX, XXXX and closed it on XXXX XXXX, XXXX as unpaid. I have never applied for a credit account with XXXX. I would like this taken off of my credit immediately. If you are unable remove this from my credit history, I would like supporting documentation including signatures showing I applied for credit and agreed to the terms and conditions on the account. 

Because of this, there is a public record from the XXXX XXXX XXXX courts for a garnishment of my wages by XXXX XXXX XXXX and XXXX for the {$1700.00}. This case should not even exist as this was a write off error from XXXX stating this was a credit card debt. I was not aware that a " default judgment '' was going on from XXXX to XXXX, as it clearly states that I have NEVER signed for a judgment or garnishment. There can not be a case without a valid signature from certified mail. I have reached out to XXXX to provide documentation of my knowledge and signature that I did agree to this debt, which they can not provide. 

After realizing now that my wages have been garnished for {$1700.00}, I would like XXXX to reimburse me for the illegally garnished wages for the five years as there is no documentation and no representation. 

Thank you, XXXX XXXX ( XXXX ) XXXXXXXXXXXX
Product: Debt collection

Portfolio Recovery threatened me numerous of times about a credit card debt they took me to court and the judge ordered me to pay them it was for XXXXXXXX XXXX XXXX
Product: Credit reporting

Three times in the last two months I sent Equifax a copy of my drivers license, power bill, as requested. I got a form letter telling me I received my free report from them in the last year, and to purchase my credit file with a credit card. NO I HAVE NOT RECEIVED MY FREE REPORT FROM THEM SINCE XX/XX/XXXX Repeatedly I respond with the same information to no avail. I am entitled to my report and I want it - NOW. They do not give any way to contact them online without answering the same information over and over. My paperwork was lost in Tropical storm XX/XX/XXXX so I do n't know all the answers to their questions anymore. If they bothered to read my letters they would see why I need my report. All they want is to pressure people who need their reports into paying for them. This happened since XX/XX/XXXX but I did not take time to report them. Attached are copies of previous letter and material sent pay stub, birth certificate and more showing my address and who I am when requesting my free annual credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has already identified as fraudulent. The credit bureaus have deleted this account after I submitted a ftc report with other supporting documents. On XX/XX/XXXX the company XXXX XXXX XXXX obtain a copy of my credit report without my permission, only to re report this fraudulent account causing my credit to crash! Speaking directly with XXXX XXXX XXXX  has gotten my no where! The account in question was open XX/XX/XXXX. The partial account number is XXXX
Product: Credit reporting or other personal consumer reports

I was a VICTIM of Identify Theft and my information was sold due to the EQUIFAX DATA BREACH between XX/XX/2022 and XXXX. It cost me XXXX  XXXX ( XXXX ) in total in hours lost time spent, new accounts made and work lost due to the breach.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Synchrony Bank to make a payment arrangement for a bill that was not overdue. I then found out that they randomly lowered my available credit amount based on a credit report they ran for me. This in turn lowered my credit score, which in turn causes them to lower the credit limit on yet ANOTHER credit card i had with them and AGAIN impact my credit.

They have no explanation and Id like to know how this is remotely fair, as it seems like a XXXX XXXX.
Product: Credit card

Over the course of several weeks, many charges were charged to my XXXX Debit Card that were not mine. My Debit card was canceled and a new one sent to me. I reviewed my statement and disputed several charges. The bank reversed all but five of them. This was the message sent back to me : XX/XX/XXXX Dear Member : We have completed our investigation of the billing error claim on your account number ending in [ XXXX ] for the below listed charge ( s ). 

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 We reviewed all available XXXX  dispute rights and determined we are unable to further assist because : [ Transactions are Verified by XXXX  ( An advanced security feature from XXXX  that helps authenticate purchasers as authorized cardholders ) ] Please be advised that you have the right to review the documents used in making this decision. 
Please do not respond directly to this message. If you have any further questions, please contact the XXXX Department at XXXX, extension XXXX. 

Regards, Dispute Department Suncoast Credit Union I contacted my bank at he phone number listed on XX/XX/XXXX and was informed that because the charges were " Verified by XXXX  '' that I would need to reach out to XXXX  directly to file a complaint. 

I contacted XXXX the same day and spoke to an agent ( XXXX ) who then told me that they were unable to help me and to contact my bank again. They gave me the above number ( again ). So immediately after I called my bank again and asked what I need to do to resolve these remaining 5 charges that remained on my account and were fraudulent. After 40 minutes on the phone, the agent informed me that I would need to contact the vendor directly to resolve the charges. I asked them who exactly the vendor was as XXXX XXXX XXXX is rather vague. The agent spent some time researching and came back that they had no idea who the vendor was and suggested that I XXXX the vendor and contact them. I explained that I tried to do this prior to contacting them, however, I wasn't able to get a definitive answer. 

I expressed that I was surprised that the bank couldn't provide me exactly WHO the merchant is. At this point, I am not able to contact anyone to resolve my issue and I am not able to recover my funds. The bank is not able to assist me in who to contact.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per I5 usc1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. I'm requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit '' report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorney 's General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I have a XXXXusd amount here as my savings. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried numerous times to the student loan closed. I had a parental loan for my son 's school. The federal agency closed the student loan because my son had been deceased for over 3 years. I many times requested they close the loan. It doesn't exist anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of Transunion inquiries error and I have XXXX hard inquiries from someone else.
Product: Debt collection

In XX/XX/XXXX, I received a letter AND a phone call from Portfolio Recovery Association claiming I owed {$420.00} from XXXX XXXX. I asked for proof of what was purchased at that time and they said they couldn't provide the proof because the debt was from XX/XX/XXXX and " their records don't extend that far. '' I then said that I would like to report theft and to please send me an identity theft form to fill out, which they agreed to do. Four days later, I get the same letter I received the first time with no identity theft form to fill out and the phone calls still continue. From XX/XX/XXXX to XX/XX/XXXX I have been receiving calls from different numbers from Portfolio Recovery ( at least 2-3 times a day ). The phone calls got so out of hand that I ended up having to cancel my landline because of Portfolio Recovery 's constant phone call harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I spoke with a EOS representative over the phone and agreed to pay {$340.00} to settle the debt. I inquired and was advised that the account would be updated and removed from all credit agencies that same day, however, it could take up to 30 days for all credit bureaus to update on their end. I received a letter via email which instructed me to pay {$340.00} on that day. I made the payment by credit card and did not think about this again. Approximately a month or so later, I checked my credit report, and noticed the account was still listed- however it stated " closed, settled less than full. I disputed this with the credit bureaus and was advised that the company had informed them that the account would continue to be listed until XX/XX/XXXX. Then I reviewed my credit card statement and noticed that I was charged more than the {$340.00} that was stated in the settlement letter. I was charged {$340.00}. In an effort to resolve this, I contacted the business by telephone at the end of XX/XX/XXXX and was advised that the additional amount charged was for using a credit card ( please note that I had no other choice but to pay with a card as I had to make a payment that day ). Furthermore, they claimed that the credit bureaus had been updated and disconnected the phone. On XX/XX/XXXX, I submitted in writing an extensive letter, again to correct this situation. I sent the letter via certified mail and requested that they contact me via certified mail ( for verification purposes in the event the matter goes to court ). In the letter I explained the situation and requested that they fix this. To this day, I have never received any response from the business. On XX/XX/XXXX, I submitted a complaint via the Better Business Bureau. I provided evidence regarding my allegations, however was unsuccessful. Please note, no evidence was provided by the business. On XX/XX/XXXX, BBB closed interest in the case as the business was not amenable to any changes. Please be advised that this business has reported my last name incorrectly to the credit bureaus. I have attempted to correct this with the company, to no avail. I am requesting that the business immediately remove all accounts from all credit reporting bureaus immediately and update my name with the credit bureaus. Please be advised that I have been denied a mortgage loan due to illegal practices by this business. I am requesting this company be investigated immediately and held accountable for their actions, so that other consumers are not targeted.
Product: Checking or savings account

I was a victim of a scam on XXXX marketplace. I purchased an item that was from a member whos account was not real. I had never used this means of purchasing before. I was told this was thru XXXX goods and services. When the transaction came thru, it stated goods. After I paid {$300.00} the profile was deleted and I never received my purchase. I was told that XXXX couldnt do anything and the transaction was paid via XXXX XXXX XXXX, therefore they couldnt do anything. I contacted my bank and disputed the transaction. The representative processed it incorrectly and was told this would take 10 days, not ten business days. I called 2 separate occasions. The last I was told a decision had not been made. This was incorrect, as I was denied due to the first representative incorrectly disputing the charge. I called another time and was told by the PNC representative that I was given incorrect information, and a new dispute was entered, however, due to their error, it would take 5 days and not 10 business days. I asked to speak to a manager, and was given to XXXX because she would have other solutions for me, other than waiting this time. XXXX then came on and stared she had no options for me and that her employee was misinformed. I was called today by another individual whom stated it was 50/50 that I would receive my funds back. This man was rude and hung up on me once he completed his necessary information
Product: Mortgage

The mortgage company has the incorrect amounts for our taxes for our escrow reconciliation causing our monthly payment to be higher than it should be. They show our county taxes as {$2800.00} when they are actually {$2500.00}. They show our city taxes as {$9200.00} when they are actually {$7900.00}. They show our solid waste as {$2300.00} when it is actually {$560.00}. We have provided all of the documentation showing the correct amounts due in the form of the actual tax assessments and they refuse to update the escrow calculation with the correct amounts until they actually pay the taxes months from now. Part of the incorrect calculation is for a supposed escrow shortage however the statement doesn't actually show where the shortage occurs because that month is missing completely. Our escrow reconciliation statement is missing the month of XX/XX/2022 completely as well as the tax payments for the current year causing the numbers on the statement not to balance. The statement they provided shows an actual escrow balance of {$7900.00} in XX/XX/2022 and skips XXXX completely and picks up with an estimated escrow balance of {$3700.00} in XX/XX/2022 without explaining how you get from one amount to the other. We have requested a full statement with all months and tax payments and they have refused to provide.