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

My complaint is all three credit bureaus XXXX, EquifaxXXXX  XXXX  are reporting this XXXX account XXXX XXXX  XXXX  which is a charge off. I called XXXX XXXX  XXXX  to pay off balance until they told me this account was given to collection agency back in XX/XX/XXXX they asked me why I did not pay it 2 years ago, my response to them that I became homeless and lost my employment and I moved around alot could not keep up with my mail at the time and when I did purchase PO BOX it was already too late when I received the letter that I owed a balance. So they gave me the name of the company they sold the account too, an collection agency called XXXX  XXXX, XXXX ( XXXX ). I spoke to agent at XXXX and explained to them that XXXX XXXX  is showing a balance of {$99.00} on my credit report which they have the right to do so until they sell the account. The account was sold in XX/XX/XXXX at that time only suppose to show a balance of {$0.00} for a charge off after it is sold. The credit bureaus are showing a balance of {$99.00} which is incorrect and they are reporting this account and do not know themselves who bought this account because it does not show on the account but they decided to still report XXXX XXXX  account with a balance of {$99.00} charge off, however there should be no balance reporting if the account has been sold to a collection agency. there should be XXXX balance reporting. I asked XXXX XXXX  to remove the whole account due to the fact they sold it and gave incorrect balance on my credit report and I was told to call company XXXX at XXXX and pay them because they are the company that owns the account and only ones who can remove the account but XXXX is not on my credit reports so how can I dispute with the credit bureaus if XXXX XXXX  will not remove there account but a collection agency owns the account who is not on my credit report. I have paid {$99.00} directly to XXXX on XX/XX/XXXX {$91.00} & XX/XX/XXXX $ XXXX.I asked XXXX to remove XXXX  XXXX  account since I paid the balance now there telling me to call XXXX  XXXX  to remove it. WOW this is crazy they are playing back & forth game with me and I'm sick of it. Its causing me hardship and completely messed with my credit. I do not wish for either company to be reported on my credit report and I do not want the credit bureaus to know the name of company that bought the account. They should had done better research on account before putting it on my credit report with the correct updated information. Please help me with this situation Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX   are incorrectly reporting me as an Authorized User on XXXX/XXXX  partial account number ****XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is  harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you 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 you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This letter is in response to your recent claim that XXXX XXXX XXXX XXXX Account # XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Experian Collections : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EMPLOYER : XXXX XXXX  XXXX XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

My XXXX XXXX XXXX XXXX XXXX XXXX XXXX was hacked and fraudulent charges incurred on my card I confirmed and reported the fraud immediately and filed a dispute Waystar denied me protection from the fraudulent charges on the grounds of the Business 10 card rule https : //www.consumerfinance.govXXXX XXXX XXXX apparently they are using this loop hole to get out of paying these fraudulent charges I have had my CC hacked in the past several times I reported it or they notified me CC was blocked They took care of it but this time i was denied protection because of this 10 card rule so far they have not shown me this 10 card rule in there terms and conditions only give me the above link to the fed statute any help in this matter would be greatly appreciated XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX
Product: Vehicle loan or lease

Do to XXXX XXXX and unable to work tries to work with bank to refinance loan for smaller monthly payments and the refuses and XXXX  they so not lower payments. So there was more fees added to the loan with very high interest rate and harassing phone calls
Product: Debt collection

On XX/XX/XXXX, MRS BPO reported a collection account to my XXXX  and XXXX  credit files. The original creditor is XXXX. This debt was previously sent to a different collection agency who filed a claim under my Chapter XXXX Bankruptcy that was filed in XX/XX/XXXX. Additionally, MRS BPO failed to provide notice of the debt in writing. 

On XX/XX/XXXX, MRS BPO received written notice of their violations of the Bankruptcy Automatic Stay which prohibits ANY form of debt collection to include reporting collection accounts to credit reports in hopes that consumers will pay the debt to have it removed. MRS BPO is not only in violation of the FDCPA and the Bankruptcy Protections, they are committing FRAUD as it is illegal to attempt to collect on a debt twice and a debt that is receiving payments through the Chapter XXXX Wager plan. MRS BPO failed to provide validation or even respond to the written notice within the allotted timeframe ( 30 days ). The account still remains on my credit file as of today.
Product: Credit reporting or other personal consumer reports

I am promised accuracy in my credit `report based on federal law I am making this complaint as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d, 15 USC1666b, 15 USC 1601,15 USC 1602p all unverified and negative information must be promptly removed as you can see in your system that they can not verify this information and validate it so I request that you remove it now. Under 15 USC 1602p, all unverified hard inquiries shall be removed. The bureau verified they received all necessary information to be removed negatives on the account but willfully are non-compliant. Pursuant to 15 USC 1681n Civil Liability for Willful Non-compliance the bureau has to pay me {$1000.00} per negative disputed mark on credit they willingly refuse to remove. I have been verified by Equifax and XXXX as being a victim of their data breaches and incorrect reporting that they fail and continue to willfully not comply with federal laws. This is a great interference of commerce that is preventing me from loans and pursuing a home starting my businesses
Product: Credit reporting or other personal consumer reports

n 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. Convergent Account # 1234, 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 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 XXXX 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. 

Dept Ed / XXXX
Product: Credit reporting

XX/XX/2012 I was taken against my will and authorization to a XXXX hospital to the XXXX and was not able to leave for 3 weeks, XXXX County Sheriff had me placed there. For no reason. I am not paying for this bill, in fact I have a lawsuit against XXXX County Sheriff and the Hospital.
Product: Debt collection

Credit reporting agencys XXXX RE ; Eastern Account systems of Connecticut And XXXX XXXX XXXX A letter and documents provided to dispute the debt claimed owed by Eastern Account systems of Connecticut acting on behalf of XXXX XXXX XXXX was sent to Transunion on XX/XX/2018. Additionally, complaints in regards to multiple FCRA violations as well as violations of Texas deceptive trade act by the above mentioned companys have also been mailed to the following agencies ; Texas Attorney General and the Consumer Financial Protection Bureau. For your record this letter is being sent certified mail and copys of all documents will be kept should they be needed for an FCRA complaint against any participating credit reporting agencies who fail to remove this false debt immediately. 

Eastern account systems has changed the disputed debt to collection paid instead of removing the disputed medical debt ( ( that was never in fact owed in the first place ) ) This medical disputed debt was entirely the responsibility of XXXX XXXX insurance and XXXX XXXX. There was no balance owed ever by myself at any time. There should never have been any attempt to collect what so ever and this needs to be removed entirely from my credit report as it was not a paid collection, it was a disputed debt because it was never owed at all. 

I expect this item removed from my credit report immediately and an updated copy of my report sent to me or I will be seeking legal representation and filling a Lawsuit under FCRA violations against XXXX as well as Eastern Account Systems in federal court since it would be there jurisdiction. I will be seeking damages as well as attorney fees In XXXX willful negligence in there failure to comply with FCRA. 

There is absolutely no excuse and intent is implied to willfully harm me since every single document provided to XXXX  goes above and beyond to prove a debt was never owed therefore in XXXX forcing this proven inaccurate debt to stay on my report by inaccurately representing it as a paid collection instead of removing it amounts to willfully being negligent as well as intent to harm. I expect your prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$230.00}, {$6100.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.
Product: Checking or savings account

I noticed an ATM charge of {$2.00} on XX/XX/XXXX  for my savings. This warranted me to check any other transactions that occurred that I was not aware of. On XX/XX/XXXX  there was a ATM Withdrawal in the amount of {$260.00} from my checkings account. I filed a claim with Wells Fargo but they came to the consensus that they could not move any farther with the dispute as I am still in possession of the Debit Card that was used. I have now replaced that Debit Card with a new one. They recommended I file a police report. I have not been to the XXXX that the withdrawal was done at. I have provided the address and a picture of the XXXX as well as the charges that were done to my account that I placed the claim for. I went to a large concert the day before the withdrawal occurred. My only theory is someone somehow got my card information during that time and immediately pulled money out the following day. I hope you can shed light on this issue. I have now placed two different claims with Wells Fargo ( one on XX/XX/XXXX and another on XX/XX/XXXX when I realized they had closed my first claim but didn't notify me ). I believe it is still in Wells Fargo 's interest to help me with this dispute but I reached a dead-end with them.
Product: Mortgage

This is my fourth complaint. I have spoken with XXXX who talked with XXXX to get a loan modification back in XXXX. My loan was modified XXXX XXXX. This modification include the amount in arrearage plus foreclosure fee, Lawyer fees. When I field chapter XXXX in XXXX XXXX I was behind XXXX, XXXX, XXXX which is the month I field the chapter XXXX. It was stated that I owe XXXX. I only owe XXXX which was XXXX, XXXX and the current month XXXX at the time. The proof of claim was incorrect and I told my lawyer that it was.The Fees, cost was include in the loan modification XXXX XXXX, XXXX per XXXX. Me and my Lawyer have been going back and forward with SPS for some time now. When a modification is done it include Fees, cost and pre-petition payments. Even there lawyer have stated that I only own them the XXXX payment plus whatever I got behind on in the chapter XXXX. We filed a Final Cure Notice indicating the proof of claim was in correct. Because my case was converted to a chapter XXXX on XXXX XXXX, XXXX the motion was withdrawn. Since then we have been try to get this corrected. SPS is not giving the information to there lawyer. When the case was converted to the Chapter XXXX we still have not gotten the Reaffirmation from SPS. So the case Dischage date have been moved to XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

I was referred to a brokerage by a friend that took XXXX deposits ( totaling {$15000.00} ) from me to setup my own XXXXt account in the XXXX XXXX XXXX. When I tried to withdrawal my money from the account after profiting a XXXX  XXXX dollars, the broker stopped answering all messages and my trading account disappeared. I have a lot more detail and screen shots etc. that can fit in this report including all of the scammer 's bank information. I have also attached details of my initial TCR Complaint and a followup FTC Complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. You have noe sent me any document supporting your claims that the disputed items belong to me. The disputed items shold have been removed if you are unable to prove that the disputed items are mine. Kindly comply with the Federal law and have the disputed items removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you 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 you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXXXXXX XXXX XXXX Balance : {$7200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/22 I obtained my credit reports from XXXX Credit Report website, per usual Equifax 's wouldn't work. Before ( like the past few years ) I never had the time to sit on the phone or they were closed for the day by time I could call them, but today I did after yet another " failed verification '' even though XXXX and XXXX has never had an issue. After waiting on hold for XXXX minutes, the lady sent me a link to upload my license front, back, and a picture of myself to then be told it didn't verify. A FOR PROFIT company illegally not letting us obtain our reports is highly unethical and illegal per yours and XXXX acts. I find it very unsettling that they want everything but a blood sample but won't give you the information that is being used against you, because they are paid off by the supposed scamming debt XXXX.
Product: Credit card or prepaid card

My payroll direct deposit is linked to my American Express Serve card. I receive a payroll deposit on the XXXX and XXXX of each month. When I checked my deposit on XX/XX/2018 my funds were not on my account. I phoned American Express Serve to see if the deposit was received. They informed me that there were no pending deposits on my account and to check with my employer. When I arrived to work I spoke to my principal and found out that in fact the deposit was sent and I have my paystub showing the direct deposit. At XXXX XXXX I received an email from American Express stating my direct deposit had been interrupted and they were trying to fix the problem. It is now XX/XX/2018 and I still do not have my deposit on my account and it is XXXX XXXX. They will not tell me where or when my funds will be deposited.