23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Friday XX/XX/XXXX at XXXX XXXX CT, IQ Data International called me. I answered the phone, a woman asked if I was available but did not ask my last name, only my first. When i said i was available she stated her name inaudibly and immediately went into specific details before confirming she had the right person. She did not provide the balance owed, date, or confirm any information with me. Woman kept insisting her " special team '' had been looking into my account, made it seem like i was under investigation, and told me they had been mailing statements to my address, which she gave out without me asking or confirming and is not correct or current. When i told her the address was all together invalid she did not try to update and asked me why i havent done anything about this if its on my credit report. i advised the woman that i just now saw it on there and had not received any mail or other contact from them so was unaware until recently. I also adv her that I had moved out and the bill was from rent for a person still living there, who had advised me they included this in their bankruptcy and told me i was not responsible, before i could finish the woman was, almost insultingly, explaining how bankruptcy works and how im obviously still responsible. I could not even try to tell her i understood before the woman starts to get combative, assuming, and condescending. When i told her i felt she was being rude she began to talk over me and ask me if i really talk to people that way, going off until i finally hung up. Working in collections myself i felt that this was a compliance issue and unprofessional
Product: Credit reporting or other personal consumer reports

My issue is that Transunion must report accurate information to my credit report consistent with the Fair Credit Reporting Act. There are XXXX ( XXXX ) inquiries on my report that are fraudulent : a ) XXXX XXXX XXXX b ) XXXX XXXX XXXX ) XXXX XXXX XXXX Transunion continues reporting these inquiries to my credit file which has negatively affected my credit reports, even after my repeated requests to Transunion to remove them. Transunion should not be reporting these inquiries as I did not apply for credit with these companies nor do I have any knowledge of those companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX  XXXX XXXX XXXX Credit Card Account : XXXX listed on my XXXX  and Experian credit report, is a fraudulent account, and the result of identity theft. I did not apply for the XXXX XXXX XXXX XXXX Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a written request for Equifax, XXXX  and XXXX  credit bureaus to send me copies of the documents that the company has used to verify the accuracy of the account in collections that is reporting inaccurately ... instead I only received a letter from them stated that the account remains and is verified to be accurate.
Product: Credit card

Paid my balance in full Credit card company didnt apply my payment Being charged late fees since Comenity Bank is the card
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my Credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

XXXX XXXX XXXX report wrong information to credits buries : Equifax, XXXX and XXXX, there are some discrepancies between those reports, and I need accuracy in my reports. If it is impossible for you to clarify this account please remove it from my consumer report, thanks!
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 or remove the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Debt collection

I sent Professional Placement a XXXX XXXX first wave for Derogatory letter asking them to remove the collections off of my account. Professional placement sent a letter back to me stating that they will remove the balance after the account is paid in full.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9900.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX  XXXX Balance : {$460.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} SXXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX Balance : {$910.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the Bankruptcy the bureau stated it was validated by the courts i reached out to the court court sent a letter stating they do not report to the credit bureaus I sent a copy of the letter to eah bureau and they are refusing to remove the information from the report they were untruhful and saying the courts validated the information when the corts saids clearly they do not
Product: Debt collection

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me
Product: Credit reporting or other personal consumer reports

I noticed illegal information being reported on my credit without my consent
Product: Debt collection

A debt with Resurgent Receivable of {$600.00} is being reported under my name but it does not belong to me. The address associated with this account is incorrect, as I have never lived at or used the address reflected in their records to open any accounts. I have written a dispute letter in XXXX of this yr in regards of the account not belonging to me and it is still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Ive sent XXXX transunion and XXXX 4 dispute letters stating unverified items and inquiries listed under my report dispute SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 My Profile has been and currently under Litigation and after over 4 months going on 5 Ive yet got any letter or any copy of the original creditors documentation on file to verify that any of this negative information is mine and is correct. They have failed to provide correct verification and Ive stated to them to respectfully deleted these information off my consumer file and it has been over 4 months and no response!
Product: Debt collection

I paid my  Kay Jewlelers acco unt on  XXXX / XXXX /   15  as " settled in full '' for the amount of {$250.00} through  XXXX   XXXX ,  XXXX . It is reporting on my credit report as paid in full. However, for the last  3 wee ks I have been receiving calls from  XXXX   XXXX   XXXX . They call and when I answer they hang up. I 've had to call back just so I know who is calling me. Once I reached someone I was informed that my Kay Jewelers debt was being sold for the collection of the remaining {$160.00}. If this account is paid/settled in full, why am I being harassed by collection agency that are reselling a paid debt?
Product: Checking or savings account

I put a check in my neighborhood mailbox on Sunday night @ XXXX XX/XX/XXXX, On Monday I went online to my citizens checking account and saw that the check had been altered with a new name and amount XX/XX/XXXX. The check was cashed and cleared on XX/XX/XXXX Moday. This was less than 24 hours after I mailed it. I immediately called and visited Citizens Bank and they have opened. Claim to try to recover the funds. I was told that they assume no responsibility if the funds arent recovered that its the USPS fault. I asked how and why they would cash a check and transfer funds without any identification and they had no answer except it happens all the time. I mentioned what gives them the right to take {$6000.00} from me without verification and again silence. The claim number is # XXXX. Citizens Bank. I live in RI. I was under the impression that I was insured and they would have safeguards for fraud like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account ending in XXXX does not belong to me. It is currently reporting as a charged off account. My correct account with XXXXXXXX XXXX is in good standing. I do not know where the charged off account originated from. I demand the erroneous account information be deleted immediately. 

Thank you for your assistance with this matter.
Product: Debt collection

About 2 weeks ago a deputy officer came to my house knocking at my door saying I owed money to a company. I did not know what he was talking about. I did not not received any notice from any company and the officer could n't explained either, he assumed I knew and started saying he could take my property and sale it in an auction or seizure my wages. Officer is from XXXX XXXX, constable, hes name is XXXX XXXX XXXX. He later sent an unofficial letter to my house with a case number. I went to the court to request a copy and found out that XXXX XXXX XXXX XXXX using the services of XXXX XXXX XXXX XXXX is the company trying to recover an old debt they bough from another company and that is not mine. The debt is from before 2006 I believe  according to what I read on the documents. I never applied for any loans or credit cards to any financial institution mentioned on the documents and I did not even have any credit at that time, nor good or bad, I just did not have credit. I am already filing for identity theft and I already did report the case because I do not want to pay for something that I 'm not responsible for.
Product: Credit card or prepaid card

I received a my XXXX XXXX XXXX XXXX from community capital bank that I did not apply for, did not give permission to pull my credit, do not want. I visited a XXXX XXXX store on XXXXXXXX XXXX XXXXXXXX. This application that granted a card was started then. 
Every time you check out the cashiers try to push credit card applications. I always say no. Apparently these minimum wage bottom dwellers get bonuses for every application they get. The cashier obviously entered yes and also violated my credit by authorizing a credit check as well. 
I have tried multiple times to contact this bank to request this account be canceled, my credit be repaired, compensation made, and the XXXX XXXX cashier executed for their crime. This bank has made this an impossible task by jerking me around for hours on hold
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00}
Product: Debt collection

The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.
Product: Credit reporting or other personal consumer reports

After reading my credit report I noticed that there was incorrect information on it from XXXX XXXX. I disputed the information numerous times with Experian and it always immediately came back as verified with no proof of debt. 
According to Fcra section 605b, it is illegal to report information on my credit report without my permission. Thank you. Please remove this from my credit report.
Product: Money transfer, virtual currency, or money service

My venmo account got hacked. So I called customer service to let them know that I couldn't log into my account. Venmo customer service said 3 to 5 days I will receive email from team specialist that handles these types of situations. I never received email. So I called venmo back and the customer service person said that he talked to the manager at the specialist team saying review is done and they will give me access to my account. He said I would remove an email for a link to upload a picture of my id and after I send i will have access to my account and my funds in a hour. I never received that email. The following day I received email from venmo specialist team saying account is deactivated and that my money in my account is going to be on hold for 180 days. I have {$8100.00} in my account. They didn't tell me why my account got deactivated. I tried asking them to release my funds but I keep getting it same answer. I need to pay rent. I am a single father with XXXX children. XXXX XXXX XXXX and XXXX. I'm about to get kicked out if I don't rent. My rent was due on the XXXX. And now it's already the XXXX.
Product: Credit reporting or other personal consumer reports

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported.

Please see this account is removed from my file at once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Recently, I did an investigation on my credit report which caused severe XXXX and anxiety upon my search I found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) method of verification- description of reinvestigation procedure. I have recurring collection that has been reported and asked to be removed several times. This XXXX XXXX XXXX has been unlawfully requesting {$100.00}. The account number ends in XXXX. I also have an inaccurate balance of {$4500.00} with XXXX at XXXX ( XXXX XXXX ). This company is reporting a false and inaccurate debt amount. The account number ends in XXXX. I would appreciate it if both of these accounts could thoroughly be looked into.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX {$430.00} XXXX  XXXX BALANCED {$19000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$2500.00} XXXX XXXX XXXX BALANCED {$530.00} XXXX XXXX  XXXX XXXX BALANCED {$1600.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit card

Ally sent me a letter ( around XX/XX/XXXX ) stating that I had a credit to my account of XXXX. I ask Ally to sent me my credit as a refund via check mailed to me personally. This process supposed had started near the end of XXXX of cutting me a check and mailing it to me. It's the end of XX/XX/XXXX, no check as of yet and I keep getting the run around that check has been mailed and I should receive it by XXXX of XX/XX/XXXX, no check. Customer service keep saying check has been cut and mailed, but they can not verified that the check has been mailed nor can they talk to the department or person that should had cut the check. That's the real problem, nobody can speak with the department that supposed to had cut the check to verified that the check was cut and really mailed. All customer service states that the process of requesting that the check be cut and mailed but they can not and have been able to 1 ) tell me that the check was cutted or mailed. Can someone please verified that my check in the amount of XXXX} was cut and verified that it was mailed... Please
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX  this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form
Product: Bank account or service

I have not been able to access any of my money currently being held in TD Bank without explanation. This pertains to both my checking and savings account. I have attempted to fix this problem at the branch and by calling their customer service but both have been unhelpful. It has been over a month since I have been able to access my money and since then I have been unable to pay my rent, buy food, or fill my prescriptions.
Product: Debt collection

Dated XX/XX/XXXX I have received notification from United Collection Bureau Inc in reference to an alleged debt owed of {$4100.00}. Please provide validation of this debt per FCRA regulations.
Product: Debt collection

I was looking through my consumer report and noticed that an account with the account number referenced above was furnished by your company on my consumer reports. This account listed the following company as the XXXX XXXX XXXX XXXX XXXXXXXX This company is not the creditor, and I am putting you on notice that I disagree with this. Pursuant to 15 USC 1692g ( a ) ( 2 ) I am demanding that you provide me with the name of the creditor of this account. Keep in mind that providing me with statements of credit does not prove that the company that provided the statements is the creditor.
Product: Debt collection

received a letter from profesional account management, llc stating i owe from from various parking citations- i sent them a letter saying that one is mine but the others i was working those days not in the city! they proceeded to tell me that i had plenty of time to dispute and didnt so i forfeit my right to appeal! they keep sending letters saying i owe debt that wasnt me
Product: Debt collection

1st Franklin Financial Corporation of XXXX XXXX XXXX, XXXX XXXX, XXXX, Ga XXXX filed a lawsuit against me after sending notices to an incorrect residential address that I do not and have never resided at, as well as having the lawsuit filed against me include the same incorrect residential address. This incorrect residential address was also reported to all three credit bureaus and has caused my credit score to drop significantly due to not being properly notified prior to filing the lawsuit. I also have proof of 1st Franklin Financial Corporation of XXXX XXXX XXXX, XXXX XXXX, XXXX, Ga XXXX having knowledge of my correct residential address due to a letter of acceptance of a loan being sent to my correct residential address.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federal student loans have been transferred several times amongst XXXX creditors. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Each They currently reside with XXXX. On my credit report the student loan accounts are listed under each creditor therefore showing my debt as tripled. They are also showing as collection accounts under each, when they are not in nor have they ever been in collections, but were just sold or transferred to another creditor. When I contacted each of these creditors they confirmed that my students loans has been either transferred or in good standing. However, no proper correction or update was made on my report.