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

Creditor : XXXX XXXX XXXX XXXX as Owed on Credit Report : {$12.00}, XXXX XXXX XXXX is operating fraudulently by reporting false, inaccurate information on my XXXX and Transunion XXXX reports. I had an auto loan with them beginning in the year of XXXX. In XXXX, I was involved in a hXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I notified XXXX XXXX of the accident and left the XXXX XXXX XXXX XXXX of the accident as it was XXXX XXXX XXXX. They informed me that they would go to the tow yard to assess the damage of the vehicle and determine what if anything I owed. 

At the time of the accident, I had already paid most of the balance on the auto loan. After the accident, XXXX XXXX asked me to make a payment to satisfy the account. I sent the payment to XXXX XXXX, yet they continued to report the account as open and delinquent on all XXXX of my credit reports. I then contacted them to discuss this issue, and they continued to demand MORE money from me. I refused to pay any additional money as this was not our agreement. So, they continued to report the account as open and report payments as delinquent each month. After my refusal to pay additional money, XXXX XXXX turned my account over to a credit collection agency. 

However, in XX/XX/XXXX, XXXX XXXX sent me a letter stating that I PAID the account off and that they were releasing their security interest in the vehicle and that they were releasing the auto title of the vehicle over to me. I have both the letter, envelope which the letter was sent, AND a CLEAN car title sent from Credit Acceptance as evidence. I have uploaded this documentation below. 

In spite of sending me a payoff letter and a clean title, XXXX XXXX still continues to seek money from me and refuses to close the account unless I pay additional money. When I asked them why they sent me a letter stating that I paid the account out and why they sent me a clear title to the vehicle with NO XXXX HOLDER LISTED, they stated that they made a mistake and sent the documentation to me in error. 

This has been a XXXX battle of dealing with a CORRUPT auto lender who lies and takes advantage of people for their own financial gain. They have damaged my credit for XXXX  years and continue to do so by engaging in illegal business practices such as double-dipping and seeking money from me which I do not owe them for a car that they have already been compensated for. 

Please rectify the XXXX  years of damage that this company has illegally done by deleting this item from ALL XXXX credit reports. 

Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX a collection account through XXXX XXXX XXXX in the amount of XXXX was placed back on my credit report. This collection account with XXXX XXXX as the original creditor was removed in XXXX. I was not notified by Experian, XXXX, or XXXX  that this collection would be placed back on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting 51 late payments in the greater than 90 days category. On my XXXX  report, its reported as 51 charge offs, the time it went delinquent to the time I paid it off. I paid off other accounts and no one is reporting it like this. I just applied for a loan at a bank, and this is significantly dragging my score down. The total amount I was late was approximately {$150.00}. The loan officer said they had never seen it reported like that, and that it was excessively punitive. He said that I should be able to get it removed. 

I filed an investigation with Wells Fargo requested that it be investigated and removed. They replied saying that it was correct and they were not removing it. It is a significant hindrance to my getting loans, and seems extraordinarily punitive.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent a mail to the XXXX, XXXX  and transunion regarding identity theft and still have not receive a response yet. Its been over 45 days. I recently check my credit from XXXX and i notice the fraudulent accounts are still on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. When i contact the 3 credit bureaus again, i was told to get an FTC report. I have attached my ftc report with my drivers license and social
Product: Checking or savings account

This complaint is follow-up to complaint # XXXX. 

After I got of the phone with BBVA and they claimed to reverse overdraft fees in the amount of {$64.00}, they assessed another {$32.00} fee on XX/XX/XXXX and another on XX/XX/XXXX for the same return check problem. I contacted the credit card company to change payment on XX/XX/XXXX and had already spoken to someone the day I submitted my complaint to stop payments and return the fees. 

I am going to close my account with this corrupt bank. I just found out that it only has one physical bank in all of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

While reviewing a copy of my credit report XXXX XXXX XXXX I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- XXXX XXXX  so that you can verify the inaccuracy of fraud that is placed on my credit report.
Product: Credit card

I urgently request the removal of this XXXX late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue XXXX  and XXXX. I ask that you promptly rectify this mistake by updating my account.
Product: Debt collection

A company called Tasman Credit has called my office. I am a Realtor and my office number is for business only-not personal use. They called and let the receptionist know they were from a debt collection company and needed to speak with me urgently. When they transferred the call, it read on my Caller ID that it was my office calling. They were very abusive and told me to be responsible and pay my debt. I told them that I was not aware of this debt and the guy laughed at me and said I should be aware. He went on to say in a VERY SARCASTIC tone that " I'm sure you're soooo busy since you're a realtor and all but take some time and pay your bills. '' I was with a client at the time and was very frustrated with him and asked that they never call me at my office again. I also asked that they just mail me the information on my supposed debt and I will review it. 

I have NEVER received any information verifying this so-called debt. I have been called repeatedly by them on my cell phone and I have asked that they only mail any questions they may have. I even offered my email address. I asked that they not call my cell phone because I need the line open for my business. Tasman credit has interrupted several phone calls I have been on and are causing me a great deal of XXXX They won't give me proof that I owe them money but they are fine with calling my business and telling the administrators at my office that I owe them money.
Product: Debt collection

Rental recovery solutions states that I owe them about XXXX dollars. They also state that I have given money to them. All of the above is false. What happened was I left an apartment company before the lease was over. Took the company the XXXX apartment homes to small claims court and won. XXXX XXXX XXXX of XXXX XXXX district court ruled that I am not liable for any rental obligation. The XXXX apartment homes in XXXX Washington, managed by XXXX and the company rental recovery solutions both received a copy of the judges ruling. Both companies are in direct violation of court orders. The XXXX apartment homes have been notified for over a year. This ruling happened on XX/XX/XXXX. 

Rent Recovery Solutions LLC XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX managed by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX corporate office XXXX, Washington XXXX. XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Georgia XXXX, and our telephone number is ( XXXX ) XXXX. 

I have disputed this with XXXX four times and they refuse to do anything about it
Product: Debt collection

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Account - XXXX XXXXXXXX XXXX Amount : {$3100.00} This account is a validation made pursuant to the Fair Debt Collection Practices Act. This is a violation against the fair credit reporting act by the agent reporting fraudulent information. I have requested that the following information be sent to me in writing but no proof received .Agreement with your client that grants you the authority to collect on this alleged debt .Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Verification that this debt was assigned or sold to collector. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Sent documents to Capital One requesting copy of contact with my authentic signature that started this alleged debt. Several months has past and never received contract with my authentic signature from Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but I checked my credit report and found that some of the data were stillincorrect. 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 deletion due to inaccurate reporting in my file. 
XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX A+ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove inquiries XXXX XXXX  Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXXXXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Address XXXX XXXX XXXX XXXX, OH XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit card. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, MD XXXX Phone number ( XXXX ) XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Address XXXX XXXX XXXX XXXX, MI XXXX On record until XXXX XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX On record until XXXX XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, MD XXXX Phone number ( XXXX ) XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is :XX/XX/XXXX I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$3600.00}. XXXX XXXX XXXX {$2400.00}. XXXX XXXXXXXX XXXX XXXX XXXX {$850.00}. XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX {$2700.00}. XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX  XXXX {$370.00} XXXX XXXX XXXX {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is the company, along with XXXX.

This continues to be a nightmare with TransUnion, i am not able to apply for another work opportunity due to multiple multiple FCRA violations in which TransUnion continues with willful intent to ignore. Numerous disputes with TransUnion for over a year now have fallen on deaf ear, and it shows up as not disputed ; why? TransUnion shows a different address from what XXXX has ; neither credit reporting agency will provide a telephone number. Consumer Protection Finance Bureau has previously reached out to this corporation as well under complaint number XXXX and this corporation has stated it does not belong to them. This isnt making sense, i need to see the documents showing proof this alleged debt is mine.TransUnion also needs to show in writing the step by step independent investigation performed. This company name on the report shows XXXX XXXX XXXX, account # XXXX. 

This company has various names including XXXX XXXX XXXX. XXXX  has deleted this non-verified inaccuracy, so if XXXX  can not verify, how has TransUnion and XXXX  conducted an independent investigation for verification? 

There are too many FCRA violations to place without making this a long complaint. XXXX  shows a XXXX XXXX XXXX XXXX, XXXX TX XXXX for an address without a phone number, and TransUnion shows an address of XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, which is a registered agent for this company and/or companies. 
TransUnion is showing a payment on XX/XX/2019, and XXXX just states that a recent payment was made, who paid? XXXX  also is showing an unfamiliar name on the report as XXXX XXXX, who is that? A charge off showing a balance due? Wow, i am flabbergasted as to how employees are trained here. As previously stated, there are too many FCRA violations to report here without making a long drawn claim. 

Thank you for your time. 

By : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act XXXX XXXX 3 missed payments open XX/XX/XXXX, XXXX XXXX XXXX XXXX 3 missed late payments open XXXX, XXXX 1 missed late payments opened XXXX, XXXX XXXX XXXX 1 missed late payments on XX/XX/XXXX open XX/XX/XXXX, XXXX XXXX XXXX XXXX 2 Missed late payments XXXX XX/XX/XXXX and XX/XX/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX NA 5 missed late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX open on XX/XX/XXXX XXXX 1 missed late payment on XX/XX/XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} opened XXXX, XXXX XXXX XXXX XXXX XXXX said I owed them {$8900.00} open XXXX They are not the Original Owners 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts.
Product: Payday loan, title loan, or personal loan

I have a loan with a " company '' called XXXX XXXX - which was advised by XXXX XXXX to consolidate my credit cards. I have asked repeatedly to get my statement online - which have not received - have been told by this " company '' that they will send to me in the mail, the mail service here is horrible. Sometimes do n't get mail for 2-3 days - very unreliable. Do not understand how a company can not offer statement online. Also, this company originated in another state and after checking my correspondence from them, there are several companies located in XXXX XXXX, IL, XXXX XXXX, TX and also in Del. I do n't have a very good feeling about this company - since I can not even get a statement on line to know what the balance of my note is - very uncomfortable not knowing who or what I am dealing with. When I made this loan, it was online and approved for over {$7000.00} - have made multiple payments and never received any email or acknowledgement that the payments were received. This was do n't through the mail - at a much earlier time. Please look into this company - I will give you all the background on it I can - they are very secretive about their addresses, just XXXX XXXX. I am a widow and XXXX years old. Please do n't let me be swindled out of what I thought was an honest company and was trying to get my head above water. I see on your site that there have been other complaints about this company. Please investigate this company and it 's affiliates - there seems to be something fishy about them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my annual credit report XXXX/XXXX/XXXX. Upon reviewing I noticed I have XXXX inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XXXX/XXXX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX XXXX XXXX? 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX Svs XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Co XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX bank XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO Dual Card XXXX
Product: Credit reporting or other personal consumer reports

I have disputed an account that was reported by XXXXXXXX XXXX XXXXXXXX then sold to XXXX XXXX XXXX and now reflects as a collection on my credit report. With lack of real resolution, a court hearing is now in place against the two companies. It is brought to attention that the address provided by each credit bureau for XXXX XXXX XXXX is void and nonexistent. Sheriffs are not able to serve XXXX XXXX XXXX to the address each bureau provided for this company. 

I now question the validity that each bureau has for accurate information regarding my account and the companies reporting on it.
Product: Debt collection

I have filled a FTC IDENITY THEFT report. I called Real Time Resolution and gave them my reference number for the idenity theft report. I felt by the way I was treated over the phone they really were not worried about this being a fraudulent account and more interested in collecting money.. I asked for the account to be deleted from credit bureaus and the conversation still seemed focused on me paying them.. I am a victim of identity theft and they refuse to acknowledge it.