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

In accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX. 

Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX  XXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX  ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX & XXXX ) Account Name : XXXX  XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXXn ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX  XXXX account number XXXX ) XXXX XXXX XXXX  Section XXXX A States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A section : Also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) Section states : no consumer reporting agency may make any consumer containing any of the following items of information. Any other adverse items of information other then records of convictions of crimes which antedates the report by more than 7 years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall notfurnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

ENHANCED RECOVERY COMPANYXXXX XXXX, FL XXXXTel : ( XXXX ) XXXXFax : ( XXXX ) XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX or any company associate with this account # ENHANCED RECOVERY COMPANY AAC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : XXXX XXXX XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, SOC SEC # XXXX DOB XX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i went to get my credit score 2 years back for one time charge of XXXX XXXX plus tax. I was on the phone with an agent since I wasn't comfortable online. Since then for last 2 years they charging my debit visa XXXX service charge. I called about with more than 6 time. I even asked him to cancel several times. No go, they told me not to cancel it till the investigation is gone on. I escalated 3 or 4 times but no records, seems like they don't have or not able to find any results. I never used there product at all. We depend on this company for our credit and is an important part of the financial life in XXXX but the support is overseas and they are not understanding the problem. Once I waitted till XXXX XXXX and the rep put me on hold for 1 30 hrs till her shift is over. I want to get my money back and talk to someone in XXXX. I m an emigrant and not XXXX but this is our life line and we want support from some from XXXX that can understand the system better
Product: Mortgage

Hi Im trying to contact HAF to asked them why they denied my application for assistance with my mortgage payments I was affected with XXXX last year and I was waiting the help thru XXXX XXXX XXXX I send the bank statements the months Im behind and they denied my application when I found out Icalled to the bank and they said nobody from this program called them to let them Know they just denied my application and thats why I need to talk somebody from this program to ask why what happens I been calling to XXXX XXXX the operator said she can transferred me which that department Theres no phone to talk samebody I was waiting for this program to help me Im not working right now Im really need the help and Im on foreclosure right now please help me to contact with them because the bank wants me to pay the all amount to stay in my house they said if I dont pay them theyre going to send the sheriff to close my house and Im going to loose everything please help me thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting and handling of my XXXX account ( Account # : XXXX ) due to inaccuracies, unauthorized actions, and violations of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Dispute : Inaccurate Reporting of Late Payments : My credit report reflects late payments ( XXXX, XXXX, and 90 days ) on this account, which is incorrect. I have never missed a payment, and the account was paid on time. The continued reporting of late payments is inaccurate and damaging to my creditworthiness. 

Account Closure and Misrepresentation : The account was closed by the creditor with comments stating it was canceled by credit grantor due to inactivity. However, this does not accurately reflect the circumstances as I have maintained consistent payment activity. 

Unauthorized Auto Payments Post-Closure : Despite the account being marked as closed, XXXX continues to deduct payments from my bank account. This action is unauthorized, deceptive, and contrary to the terms of the agreement for a closed account. 

Violation of XXXX XXXX Laws : Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of credit information are required to ensure accurate reporting. XXXX continued reporting of late payments and improper account closure violates this obligation. 
Under the XXXX XXXX Transfer Act ( EFTA, 15 U.S.C. 1693 ), unauthorized deductions from my bank account after account closure constitute a violation of my rights. 
The Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) ensures transparency and fairness in account terms, which has been undermined by XXXX actions.
Product: Credit reporting or other personal consumer reports

My information was compromised in a data breach. I have informed company that my information is reporting incorrectly
Product: Debt collection

Back in XX/XX/XXXX I filed a complaint on XXXX who was trying to collect on a account that I had already settle and paid the amount that we settle on. XXXX contacted me about a old phone bill that had been placed in there office by XXXX for collections XX/XX/XXXX for  {$1000.00}. I ask XXXX to provide me proof that I owed {$1000.00} they could not. I had the last bill which stated I only owed around {$450.00}. I provided the collection company with that information in which they agree to take payments of {$150.00} until the {$450.00} was paid. After paying the agreement amount I never heard from the company again. I remember went recived my credit report and they have put another {$600.00} collection on my file after I have paid the required amount! I would like for the account to be marked as paid in full and removed from my credit report! I have attached my bank statement for the 3 payments totaling {$450.00}. The company now has now sold the debt to another company. I already settle on a amount with a different company which has been paid! Now they have resold the debt making it like I havent paid anything! This account had been detrimental to my credit score and has prevented me from obtaining financing! I again ant the account removed and marked paid in full I have paid the money that I have been asked for!
Product: Checking or savings account

I had two transactions cone out of my account. Both were not authorized. Two transactions for {$150.00}. I'll have the details in the picture. But I disputed them both with cash app and got a denied on them both. I've had no history with the two accounts my money went to. I need that money back.
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 accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$66.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX.
Product: Debt collection

I am writing this due to non-compliance with the KIMBALL TIREY & ST JOHN. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST.

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
Product: Checking or savings account

A checking account was opened with Chime by someone else, with my information.
Product: Credit reporting or other personal consumer reports

I am disputing an inaccurate XXXX XXXX account reported by Equifax on my credit report. XXXX and XXXX are not reporting this account, and despite my request for supporting documentation, Equifax has failed to provide it and continues to verify the account as accurate. I am requesting the immediate deletion of this account, as Equifax has not followed the required federal laws processing under the Fair Credit Reporting Act.
Product: Credit card or prepaid card

amex card was opened and use without my authorization I wish this account be closed and erase from my credit report thank you.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS STOLEN XXXX  AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILTY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit card or prepaid card

On XX/XX/2020, I attempted to contact Synchrony Bank to let them know my Amazon Store card had been stolen. I was not able to login to my account, and I had some trouble reaching a decent CSR. 
I was able to get the stolen card issue handled, but was not able to get any other issues handled. 
In following up with them about open issues ( Unable to login, payment applied late, late payment remark on credit report, and wrong information being used to identify me ) I was refused any kind of assistance. 
After hundreds of requests for help via phone and chat over 15 days, Synchrony bank continues to refuse to assist me, choosing instead to be rude, nasty, harassing, and often abusive.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX. I have identified items that are the result XXXX  I want them blocked
Product: Credit reporting, credit repair services, or other personal consumer reports

Way back in  XXXX  of  XXXX , I called   XXXX    XXXX   XXXX , a collection agency regarding a medical collection in the amount of {$220.00} that was appearing in my credit report. There are  XXXX  amounts of {$220.00} with  XXXX  different account numbers. My intention was to pay all of them. They accepted the first account with {$220.00} payment but decline to accept the second payment of {$220.00} for the other account. I was told it was a duplicate even though it has  XXXX  account numbers. I decided to wait and do nothing hoping that they will also delete that collection account since it was a duplicate.   On  XXXX   XXXX ,  XXXX , which is today, I called again the   XXXX    XXXX   XXXX  collection agency and inquired why that collection is still showing on my report. I was told by  XXXX   XXXX  from   XXXX     XXXX   XXXX  that the account actually belongs to someone else and that it was paid for already.   I ask  XXXX  to delete it in my report.  XXXX  told me to call Experian to dispute the account and then Experian will call them to verify if it was really paid.   Since it was not my account in the first place, they should have deleted it way back in  XXXX  of  XXXX . The duplicate account which I paid for with the same amount was deleted in my credit report. Why not do the same with the duplicate?   So, Im writing this dispute to have it deleted in my credit report.
Product: Debt collection

MCM, Inc has made numerous illegal attempts to collect a closed XXXX XXXX account. XXXX XXXX sent me a letter stating that MCM was never authorized to collect this closed account. this is criminal activity. pursuant to the FCRA MCM is legally bound to compensate me for the harm they created. due to MCM 's false collection reporting I have suffered the following : -unable to obtain better employment - unable to obtain a mortgage loan -unable to obtain an auto loan -unable to obtain student loans for my XXXX children -unable to obtain a loan for my husband 's direly needed XXXX surgery - I have suffered XXXX
Product: Checking or savings account

They closed my account in XX/XX/2022. Took over a month and filing report for them to issue funds. They assured funds were released but confirmed theres still a balance in my credit builder account and are now telling me XXXX not eligible for a refund. How am I not eligible to get my own money back? They have no court order on me and can not without my money. They refuse to help and have no real customer Service to give information.
Product: Credit reporting

I have been very active of my credit score and credit report since I became a victim of Identity Theft on XXXX XXXX, XXXX. I have many issues with Experian Credit Bureau since I became a victim. First Experian took a very long time to investigate my Identity Theft case. Second Experian refused to bring my credit score to XXXX points when I disputed all the fraudulent charges against me from other credit card companies and the charges were all dropped in my favor. XXXX Experian continued to remove other false information on my credit report such as the address XXXX XXXX XXXX, XXXX, CA in a swift timely manner as requested. Finally the waiting period to talk to a live human being customer representative on the phone is between 20-45 minutes long when I called to ask questions or other concern. My main concern right now is the address such as XXXX XXXX XXXX XXXX, XXXX, CA XXXX appeared on my credit report. I already informed Experian that I do NOT live in XXXX California or will NEVER move to XXXX California. I ONLY live in XXXX XXXX, California since XX/XX/XXXX. Why is the address XXXX XXXX XXXX XXXX, XXXX, CA appeared on my credit report? How is this possible? I have already placed a Security Freeze and a Fraud Alert with Experian, XXXX and XXXX on my credit report in order to prevent and stop the criminals from opening more fraudulent accounts under my name WITHOUT my consent. The suspect or criminals should have NEVER opened any further or more fraudulent accounts. I checked my credit score on XXXX/XXXX/XXXX and noticed a huge drop from XXXX points dated on XXXX XXXX, XXXX down to XXXX points on XXXX XXXX, XXXX. The reason why it was dropped according to Experian was " Derogatory public record or collection filed. '' The last time I checked, I do NOT have any other credit cards other than my current ones such as XXXX XXXX, XXXX XXXX and XXXX cards. I ONLY owe a few amounts such as {$620.00} on my XXXX XXXX card. My other account is XXXX XXXX XXXX and I owe {$210000.00} on my mortgage or townhouse. Why did Experian dropped my credit score so low? I do NOT owe any more accounts. I am a VERY responsible person and spend my money within my budget. Why does Experian hate me so much and continue to refuse to bring my credit score to XXXX points? XXXX gave me XXXX points on several occasions. Why ca n't I ever receive XXXX points from Experian? Is it retaliation since I have filed numerous complaints against Experian? I will continue to file more complaints until I receive XXXX points credit score from Experian. Experian should know by now that I am very serious about my credit score to XXXX points because I am a responsible person and paid ALL my bills on time. I hope and pray that the people working for Experian take my current situation regarding my Identity Theft seriously and assist me.
Product: Debt collection

I am a co-signer on my daughter 's student loan with Discover. She was trying in good faith to repay her loan. She has several loans with Discover and all in good standing except one. The one she had been communicating with them about, was in forbearance status and she was trying to avoid a Charge Off status and collections. She paid a large sum to show good faith and per conversations with Discover would avoid charge off. she continued to auto pay the loan at a level she could afford. She has arranged to repay the loan and is on a payment plan, but they will not remove charge off status. She has diligently placed her other loans with Discover on auto payment and is making regular monthly payments. She is trying hard to stay on top of repayment and is now in a position to consistently repay her loans. The interest rates are high due to her credit rating and the amortization periods short causing larger payments she is trying to fix her credit rating and it is making progress so that she can refinance to a better rate, longer repayment schedule, and lower monthly payments. But now with the charge off status, her credit is not eligible for refinance with many lenders. We feel Discover has misled us and she has tried her best to repay the loan they indicated was in forbearance. We would like them to reconsider the charge off status and allow us to continue to repay the loan.
Product: Payday loan

I get robo calls from XXXX USI Solutions , Inc. to my phone XXXX at least several time per week. I am on the do not robo call list. They say they are a dbt collector. I phoned them once on XX/XX/2017 and asked for documentation and gave them my XXXX, XXXX, OK XXXX address and gave them verbally 30 days to respond. I told them to stop calling until I got the documentation at which time I would call them. I have never received the documentation. They have continued calling throughout the relevant time period. When I try to call them I get no answer. I have tried repeatedly to call them and there is never any answer. Please help me to stop this harassment on my business phone number.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX Bankruptcy Court Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised over the past 4 months I have filed 4 complaints and  this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. PLEASE DELETE THE XXXX XXXX ACCOUNT OF {$310.00} FROM MY CREDIT FILE IMMEDIATELY.