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

I sent TransUnion multiple dispute letters regarding the following accounts : Alleged account : XXXX Alleged account number : XXXX Alleged amount owed : {$7100.00} Alleged account : XXXX Alleged account number : XXXX Alleged amount owed : {$1000.00} Alleged account : XXXX XXXX Alleged account number : XXXX Alleged amount owed : {$7600.00} Alleged account : XXXX Alleged account number : XXXX Alleged amount owed : {$2800.00} Alleged collection account : XXXXXXXX XXXX  Alleged original creditor : XXXX XXXX XXXX XXXX XXXX XXXX account XXXX : XXXX Alleged amount owed : {$5900.00} and I received the response, but they have not shown me proper procedures and that they did a real investigation. They just said, this item was verified. 

How was it verified when the companies have not validated or verified this information with me? Also, I want the item deleted immediately. 

THEY ARE REPORTING MISLEADING DATA AND IVE CLEARLY SHOWN PROOF THAT THIS IS ALL MISLEADING!
Product: Debt collection

I received approval for Arkansas rental assistance on this full balance of {$2800.00} on XX/XX/XXXX. This check was mailed directly to a landlord ( XXXX ) who quit shortly after/left this company on bad terms!! 

On XX/XX/XXXX The next landlord accused me of stealing an oven ( which was a false accusation ) and then magically my rental account all of a sudden ended up in collections THE SAME MONTH after arguing with the second property XXXX about property she falsely accused me of stealing! 

WHY did XXXX  months pass before I was sent to collections?? IF this was a proper collection-the landland originally handling my eviction process would have turned me in. 

This is company retaliation and illegal to open a collection account against me when I have confirmation that this company did in fact receive a check for the full amount owed! I have attached PROOF with my relief confirmation letter! 

I also attached the proof of this landlord falsely accusing me of theft of property via email and threatening to have me arrested!! She obviously opened a collection account the same month as our negative email exchange!
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have utilized Affirm for several loans and currently have three active loans. All of my loans have been paid and with perfect payment history. Most recently, I tried to utilize Affirm at XXXX XXXX, and my applications are continually denied. I have a consumer alert to verify my identity and call me at the number listed to confirm. No one from Affirm has ever reached out to confirm my ID. I emailed Affirm and explained what is going on. They assured me that someone would reach out ; instead, every app gets denied. Their processes show that they reach out, but they never do, and I'm completely frustrated. Many merchants utilize this company for 0 % financing ; therefore, there is no choice if you're looking to finance something on merchant websites. 

No one at this company Affirm seems to care or be willing to help. 

See the attached screenshots for the 0 % offer as well as the response after I input my details for the loan. The PDF document contains their response that they were unable to contact me, etc. NO ONE EVER CALLED PERIOD!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX companies on my credit report that should not be on there. I have XXXX credit card and have never applied for a XXXX, XXXX, or CITI card in my life. I think this is fraud but I do n't know who to contact. 

XXXX ACCT # XXXX XXXX XXXX XXXX XXXX, FL XXXX Unpaid balance : {$70.00} CITI-XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unpaid balance {$26.00} XXXX ACCT # XXXX XXXX XXXX XXXX CITIBANK XXXX XXXX XXXX XXXX XXXX, SD XXXX {$26.00} XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Unpaid balance {$130.00}
Product: Debt collection

On XX/XX/2020 I received an alert that my XXXX  score changed. When I reviewed my credit report Jefferson Capital Systems ( Debt buyer ) reported status as collection account past due as of XXXX 2020. 

I did not receive any calls or written communication that would have provided me the 30 days necessary to dispute this debt. 

I believe doing this without notifying me is not just threatening but also very damaging my credit status which I've been trying to rebuild. 

Below is the debt collections info : Jefferson Capital Systems XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXX
Product: Debt collection

1. I have no knowledge of said debt and I would like it removed as it's reporting to the CB ( as an OPEN account ) and negatively affecting me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. These items are the result of identity theft stemming from a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items permanently removed from my credit file. 
Fraudulent Accounts to Be Blocked and Deleted 1. XXXX XXXX  Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$19000.00} 2. XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX o Balance : {$4800.00} 3. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$520.00} 4. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 5. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$350.00} 6. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 7. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Fraudulent Inquiries to Be Blocked and Deleted 1. XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note that I am the only natural person writing this statement with the help of NO XXXX party. I never gave these company any written consent to report anything on my consumer report. please see attached documentation. I need this item removed asap.
Product: Debt collection

I am repeatedly receiving calls from from ConServe XXXX. They do n't leave a message and when I called them back, they had no record of me or my number in their system.
Product: Credit reporting or other personal consumer reports

XX/XX/2021 - XXXX ( XXXX XXXXXXXX XXXX XXXX ) reported inaccurate information to the consumer reporting agencies. As Per form 1099 C ; According to the IRS Cancelled debt gets reported as income and income does not get reported on consumer reports. Also according to 15 USC 1681a2 I did not give permission to have theses inaccurate accounts furnished on my Report.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year>2019 Employers : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion.
Product: Checking or savings account

XXXX XXXX XXXX!!! 
My name is XXXX XXXX, I am XXXX XXXX XXXX father of XXXX. I am a XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX. 10-15 days ago I received an email on my school email account regarding a part time job opportunity. I did show interest and I trust the sender since it was sent from one of the school emails accounts. The person who claims to be a humantarian professor needed a assistant to purchase items for foster homes. After a few email back and forward I was hired for the job. The person who claims to be professor XXXX. XXXX, send me an e-check through my email for the amount of {$3500.00} on XXXX of XXXX. I was instructed to deposit the check in my account. I did deposit the check in my account and it was cleared fully after XXXX hours. The funds was available fully on XXXX of XXXX, and I got a confirmation message from chase bank regarding the clearance of the check. Then the guy who claimed to be professor XXXX XXXX, instructed me to subtract {$500.00} for my weekly payment as it was agreed. The rest of the funds were supposed be for the purchase of the items for the foster home kids ( Diapers, stationary, bedsheets, etc. ). However, XXXX XXXX XXXX instructed me to send the money by XXXX transections to someone by the name of XXXX XXXX for the amount of {$2000.00}, and {$1000.00}. He claimed that the foster homes can not receive any thin by Mail or delivery due to XXXX. I did sent {$2000.00} on XXXX and another {$1000.00} on XXXX of XXXX through XXXX ( A third party money transfer platform offered by chase Bank ). On the XXXX of XXXX the {$3500.00} check which was initially cleared by the chase bank was withdrawn form my account. I called my bank to find out. They told me although they cleared the check initially and the amount was available. The process usually take XXXX days. Now, the {$3500.00} is withdrawn from my account and also the {$3000.00} ( XXXX transection of {$2000.00}, and {$1000.00} through XXXX XXXX is gone form my account. I end up losing {$3000.00} plus the {$500.00} of my weekly pay as it was promised. At this point I am sure I become a victim of the fraud by the online scam. However, the chase bank caused this by clearing the {$3500.00} check initially without completing the process. This caused my lose my money and I am student can not afford to lose {$3000.00}. Therefore, I kindly request further investigation into this fraud issue. I have all the emails, text messages and receipts form chase bank and the other parties. I am welling to share any of those information incase an investigation is needed. Thanks a lot in advance and I am looking forward for your help in this case
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment reported on my consumer report from " XXXX XXXX XXXX XXXX ( Account : XXXX ), '' marked as a late payment for XX/XX/year>. This record is incorrect, and I request an immediate investigation and correction of my report. The inaccurate reporting of this late payment violates my rights under the Fair Credit Reporting Act ( FCRA ) and potentially other applicable laws : Violation of FCRA ( 15 USC 1681i ) - The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of information in consumer reports. Reporting an incorrect late payment fails to meet this standard. Failure to Conduct Reasonable Investigation - Under the FCRA, credit bureaus are obligated to conduct a thorough and accurate investigation of disputed information. This obligation was not met in this case, as this inaccurate reporting has not been corrected. Rights to Fair Resolution under the FCRA - As per the FCRA, consumers have the right to timely correction of any disputed and inaccurate information.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX I SENT A CEASE AND DESIST TO ONLY MAIL CORRESPONDENSE ABOUT THIS DEBT AND SINCE THEN YOU HAVE CONTINUED TO EMAIL ABOUT THIS DEBT WHICH IS WELL AGAINST THE FDCPA XXXX XXXX ( b ) ( XXXX ) ( i ) prohibits a debt collector from communicating or attempting to communicate, including through electronic communication media, at any unusual time, or at a time that the debt collector knows or should know is inconvenient to the consumer. 
I HAVE EVERY EMAIL YOU'VE SENT SINCE I ADVISE TO STOP EMAILING ME, THIS DEBT WAS WRITTEN OFF. YOU HAVE BEEN EMAILING ME SINCE XXXX AND CURRENTLY IN XXXX THIS SHOULD NOT BE ON MY CREDIT FILE. IT NEEDS TO BE REMOVED ALL TOGETHER FROM ALL XXXX CREDIT FILES ( XXXX, XXXX AND XXXX )
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 1681. 
ACCOUNT : XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX  I made a deposit of {$1000.00} on the ATM at Rockland Trust Bank  in XXXX Massachusetts and the deposit went through but in the next morning the money was gone I called them and they promptly credited the money to my account and I thought all the issues were resolved but then on the same day later the money was taken again and when I called them, they started another report and told me that the problem was with the ATM that I used and since then I've been calling every day and it's been almost a week. Actually it's been one week and I called them today and they said they have no answer they can't help me and I don't know what to do. I am missing {$1000.00} and I really needed the money to eat and right now it's causing a major inconvenience.
Product: Debt collection

We received a phone call on Tuesday XX/XX/XXXX from XXXX XXXX XXXX   demanding that we call them back about an alleged balance of {$190.00} at the XXXX XXXX XXXX. Thursday XX/XX/XXXX we received a written notice in the mail. 

However, this alleged billing of {$190.00} was disputed in writing every month -- and the Lawyer helping us sent 2 letters, most recently on XX/XX/2019, also by email. 

We have proof that the - XXXX XXXX XXXX has no right to pursue any collection actions on us, because of a very long and well -documented billing dispute with XXXX XXXX XXXX . 

All proof, in writing including our attorney 's letters will be attached.
Product: Debt collection

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with ( XXXX XXXX XXXX ), all have 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 an account without my written instructions
Product: Checking or savings account

Called on XX/XX/XXXX to confirm date of deposit for benefits being deposited into checking account. Unable to authenticate in the automated system. Could n't get in touch with a live person. Finally able to contact someone on XX/XX/XXXX and found out that the debit card had been canceled and a new card ordered on XX/XX/XXXX that was not authorized. I was able to get though to fraud on XX/XX/XXXX to get the fraud forms for the unauthorized debit card being ordered. Received forms on XX/XX/XXXX. Once they were received, was able to contact another live person on XX/XX/XXXX to retrieve the transaction history to see what transactions were unauthorized. Mailed the documents on XX/XX/XXXX and mailed to Texas from Oregon. Called in and spoke with a live person on XX/XX/XXXX to confirm the forms had been received and the claim had already been declined. I have disputed the investigation with the bank because they had not done their due diligence in allowing a person not me to order a debit card and drain my bank account and then deny my fraud claim per Regulation E. A police report with the XXXX Police Department has been filed. I was in the hospital and XXXX during the time of fraudulent activity.
Product: Payday loan, title loan, or personal loan

BBVA Compass stopped sending me statements back in XXXX. I asked numerous times for current statements but they refused. I am currently trying to refinance my mortgage of which they are a second holder. I have asked for a payoff figure but they have refused my request. The company that I am using to refi has reached out several times for a payoff figure but they refused. Each time I called for a figure, they would hang up on me. I then sent a request via email on XX/XX/XXXX but they have not responded to that either. The underwriters have reached out several times, as well. The only response I received from them, several months back was that I was in bankruptcy. I am not and have never included them in any bankruptcy!!! I don't believe that they have the right to hold my banking information hostage like that. Both the mortgage bank rep and myself called again today for a payoff amount and they declined to help. We were on the phone with them for over two hours, but without any success. They are just refusing to give us a current written payoff amount. Please help!!!
Product: Credit reporting or other personal consumer reports

i have contacted XXXX XXXX and transunion to remove fraudulent collection accounts From my credit file to no avail. I have submitted the ID Theft reports going back to 2014 and earlier and the accounts continue to reappear on my reports after they were previously removed. there should be no collection accounts or delinquent accounts on my credit bureaus
Product: Vehicle loan or lease

On XX/XX/year>, I was involved in a motor vehicle accident and my car was deemed a total loss by my car insurance company. My insurance company requested a payoff amount and was quoted {$13000.00}. The insurance adjuster valued my car on that date in the amount of {$11000.00} and on XX/XX/year> XXXX XXXX paid {$11000.00} to Credit Acceptance Company.

Included in my car loan was GAP insurance which should have then paid the remaining amount of the loan. When my account continued to show a balance of {$5900.00} I called Credit Acceptance Company and they stated that I needed to request another pay off amount in which I would be responsible for interest on the loan to date.

In my contract with Credit Acceptance Company it states that " If the vehicle is lost due to theft, confiscation or destruction, you WILL NOT owe the difference between the ( a ) the Net Unpaid Balance at the time of theft, confiscation or destruction and ( b ) the Actual Cash Value of the vehicle.

I dont feel that Credit Acceptance Company should be owed any additional money towards this loan as of XX/XX/year>.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX refuse to allow update of Consumer Statement to reflect XXXX and XXXX Collections deceptive and fraudulent business practices. The account in question was deleted from XXXX. Arbitrary {$120.00} restock fee was imposed for a defective XXXX  XXXX upon its return within the XXXX return policy time frame. I am not responsible for a defective phone, and the arbitrary {$120.00} restocking fee should be deleted from my other credit reports. The phone 's symptoms included overheating, running slowly, acted in unexpected ways, spiking data usage, poor battery performance, frequent pop-up ads of a phishing nature, and the apps crashedXXXX XXXX  apparently just wants to restock it to be sold to another unsuspecting customer. The phone was purchased on XXXX and returned on XXXX within the XXXX window given on the receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was notified of yet another fraud entry of a debt on my transunion credit report.. I attempted to file a dispute and it does not allow a explanation for your dispute.it appears it goes to a third party and your restricted by less then 20 words to explain your dispute..insufficient as it allows only 2 sentences to address complaint and dispute. THe next complaint pursuant to FCRA where a credit reporting company can only accept a debt for collection if it was a agreement to pay debt, a contract or a judgement was enter none of these exist from receivable performance mgt ..This collection company is not only not authorized to collect any debt, but fabricated a debt and did great harm to my credit. That I never had a debt with XXXX XXXX, nor did I pay bills to XXXX XXXX, nor did I have a contract with XXXX XXXX..XXXX XXXX is where I had a financial relationship with for a year. XXXX XXXX informed me that XXXX XXXX been paid in full and in advance That this collection is a fraud and without merit. Transunion must act immediately there is no grounds or justification to enter a fraud entry on my credit report with out proof of debt, or even if they are in compliance with federal and state laws.Transunion failed to come into compliance with FCRA and should be held accountable.
Product: Debt collection

RSI Enterprises - XXXX Account number : XXXX Collection opened - XX/XX/2018 Amount - {$370.00} This debt is not mine. Ive contacted this agency numerous times and provided them all my information but they still fail to remove this report from my credit.
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 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.