23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company deleted a fraudulent account from my credit profile, and then reinstated this debt ; This collection agency never notified me that this debt was being reinserted on my credit profile, and they never validated the debt per the FCRA 611 A5B.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against TransUnion Consumer Solutions regarding their failure to conduct a thorough investigation and provide detailed information as required by the Fair Credit Reporting Act ( FCRA ). 

I disputed certain information on my credit report with TransUnion, and despite their acknowledgment of the dispute, I received a response that lacked the necessary details about their investigation. Then I requested more details of their investigation, and they only began the investigation process all over again and ended up with the same vague result. 

I am specifically concerned about : 1. The lack of detailed information regarding the methods used to verify the disputed information.

2. The absence of names and contact information for third parties, creditors, or data furnishers contacted during the investigation.

3. The failure to provide specific documentation or evidence used to verify the accuracy of the disputed information.

4. The absence of any statements or notes related to the investigation, including the date and individuals involved. 

I believe that TransUnion has not fulfilled its obligations under the FCRA, they have abused the dispute process and continue to fail to conduct a thorough investigation. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly as I have received adverse actions based on these inaccurate accounts. I have been affected by the XXXX data breach, as well as Identity Theft so it is TransUnion grave responsibility to comply with the FCRA. 

Thank you for your attention to this complaint. 

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

this is not my debt, not sure if someone used my name but I've been disputing this account and they are not removing. inaccurate information XXXX XXXXXXXX XXXX Open Date : XX/XX/2018
Product: Credit reporting or other personal consumer reports

Complaint Regarding Failure to Remove Fraudulent Debt from Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax, a credit reporting agency, for their failure to remove a fraudulent debt from my credit report. The debt in question was created using a falsified lease agreement, and despite my attempts to have it investigated and removed, Equifax has not taken the necessary action. 

XXXX XXXX XXXXXXXX XXXX # XXXX When I discovered that a fraudulent debt had been added to my credit report. After reviewing the details, I found that the debt stemmed from a lease agreement that was falsified in my name. I did not sign any such lease, nor have I entered into any agreement with the creditor associated with the debt. 

I immediately contacted Equifax to report the issue and requested that they investigate the fraudulent activity. I provided supporting documentation, including the original lease. 

However, despite my efforts, Equifax has failed to remove the fraudulent debt from my credit report. I have sent multiple follow-up requests, but no resolution has been reached. The presence of this fraudulent debt continues to negatively affect my credit score and financial wellbeing. 

I believe Equifax is in violation of the Fair Credit Reporting Act, as they have not taken appropriate steps to investigate or correct the erroneous information. I am requesting the Consumer Financial Protection Bureaus assistance in resolving this matter and ensuring that Equifax acts in compliance with the law by promptly removing the fraudulent debt from my credit report. 

Please feel free to contact me at ( XXXX ) XXXX or XXXX for any additional information or clarification regarding this matter. 

Thank you for your attention to this issue. I look forward to your prompt response and assistance in rectifying this situation. 

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

I have a mortgage loan from XXXX  XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX  XXXX  and they said their system mistakenly put me on paperless billing after the loan was re-structured when the mortgage kept being resold, which I did not request, and it caused me multiple 30 day lates. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  XXXX  XXXX  with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 and 60 days late. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX put a freeze on my credit report for a year while my credit was frozen i notice these inquiries popped up on my report XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was under the impression while your account is frozen creditor could not look at your credit reports which means these inquiries shouldn't be on my report. I have called the company and explained that I didn't not give permission for them to look at my accounts since my account was frozen they told me they would investigate a day later they told me that they find this was find accurate and will remain on my report
Product: Checking or savings account

I am having an issue with being able to access till my banking information to release it to a third party they are not releasing my information
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which is in XXXX XXXX XXXX . I am writing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax Inc., any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third parties, have violated many Consumer Protection and Racketeering and Privacy Laws. XXXX XXXX XXXX XXXX XXXX, is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, Consumer, severe financial distress, causing him to be unable to extend credit. This account needs to deleted and permanently removed from the XXXX and Equifax credit file of XXXX XXXX, Consumer.
Product: Debt collection

Have a XXXX call me saying he is with XXXX dispatch or XXXX thats working in XXXX to attempt to collect a debt or finalize a court summons on a debt I do not owe. They have called me recently Thursday XX/XX/XXXX and Monday XX/XX/XXXX. After calling me and leaving me a voicemail they have also called my family. On Thursday they called my XXXX on her home phone. Which is a number I never once used. Monday they called my Husband XXXX, Sister XXXX, Brother XXXX and Father XXXX. My sister had from them calling a previous time told them she was filing a complaint again them for calling her. Making sure they do n't call her again. Clearly they did. My father XXXX they called on his corporate line. This line does not come up his name but the name of his Employer.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report and have noticed fraudulent accounts i did not authorize that is hurting my ability to obtain credit. 
Thank you for your assistance.
Product: Debt collection

This has been going on for well over 6 months, so I am not sure why this is even still on my credit because this company, has clearly violated my rights. 

First of all, I have never signed a contract or anything with this company. I refuse to pay this debt! 

This company is reporting a history well back to 2021, reporting past due balances, and I have never had a contract or business with BOUNCE AI. EVER! They are reporting Collection and past due on my account every single month when I never had a contract with them. That is a violation of Consumer Law! I do not have a contract or business with this company. I refuse to pay this debt. I want it removed off of my credit report immediately. 

How can a company report past due on my account when I never had a contract with them?
Product: Mortgage

When Ocwen first took over our mortgage in 2012 the balance that was owed was {$71000.00}. 
We were approved for a modification with a lower interest rate with Ocwen. 
Ocwen now states that we owed a total principal balance of {$96000.00}. 
Ocwen Account # XXXXI have asked one of the representative that has been on our case for a few months, she has no answer to this question & states that is the balance that was in the modification agreement. 
We have contacted your company in regards to different questions regarding our account & have been able to get them resolved. 
Hopefully, someone can explain to us where the equity credit we should have went. 
Thanks for your assistance regarding this situation, we look forward to hearing from someone soon. 
-The XXXXXXXXXXXX
Product: Debt collection

Since XX/XX/XXXX this company has attempted to collect a debt of {$85.00} for an XXXX XXXX XXXX bill five times a day, every day starting from 8am to 8pm. I have tried talking to them, I have put XXXX XXXX XXXX representative on the phone with them and had XXXX XXXX XXXX confirm that I did not owe them any money as my bill is automatically withdrawn and always on time. I have blocked dozens of different phone numbers of them attempting to collect.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted.

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.
Product: Checking or savings account

People 's United Bank. Check no. XXXX in the amount of {$4500.00}. 
XXXX XXXX XXXX Company issued a check in the amount {$4500.00} without XXXX XXXX knowledge nor did the XXXX XXXX sign the check Check no. XXXX.
Product: Debt collection

To begin this is the second time this has happened to me bother times I was not notified and I had already paid my account in full. 
I paid this bill in full on XX/XX/XXXX for one payment of {$120.00} and another of {$110.00}. I clarified multiple times that I did not want to owe anything else and they agreed my account was paid in full for my visits. Now this week XX/XX/XXXXish I was put in collections by XXXX XXXX VIA Transworld Systems.

I received no notification of this I called them Transworld said its " she cant say that XXXX  made a mistake how would she know '' and my response was that she could determine that I made one though? Now my credit shows I paid the balance? But the issue is I never had a balance and this is the second time both these companies have made this mistake. I have a 100 % payment history on my credit. Then even when this is deleted it is never actually the same. So I am not sure how I should proceed being the mistakes of these companies effects my ability to buy homes and sets back my life plans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sued in court for an collection account. I have court documents that I do not owe the debt. the credit bureau will not remove it from my credit report.
Product: Debt collection

On XX/XX/XXXX I sent a debt validation letter to Conserve. On XX/XX/XXXX Conserve received the letter as evidenced by Certified Mail Returned Receipt. Conserve placed a negative entry prematurely in the amount of {$810.00} on my credit reports and as of today, XX/XX/XXXX have not yet responded to the letter/request for debt validation. The negative entry was later removed from my XXXX  credit file without receiving correspondence from Conserve as evidenced by attached personal credit reports on XX/XX/XXXX while on XX/XX/XXXX, Conserve was reporting the negative entry to all 3 credit reporting agencies-evidenced by attached personal credit reports. On XX/XX/XXXX I received an alert from XXXX that my credit score decreased due to Conserve adding a 2nd negative entry to my XXXX credit file ( with a different account number ) in the same amount of {$810.00}. Previously, Conserve also had the incorrect account name reporting for the negative entry as evidenced by attached credit report XX/XX/XXXX prior to its removal from my XXXX  file. On today, XX/XX/XXXX I received notification that Conserve added the account back onto my XXXX  credit file in the amount of {$810.00} after previously removing it-evidenced by attached personal credit report from XX/XX/XXXX. Conserve is in violation of the Fair Debt Collection Practices Act because : they ( Conserve ) DID NOT provide debt validation within 30 days from receipt of the request ( Conserve received and signed for the letter on XX/XX/XXXX ) ; they ( Conserve ) removed the account from my credit file and have recently re-reported the account making it appear as new ; they ( Conserve ) also added a new 2nd account in the same amount ( {$810.00} ) with a different account number after failing to validate the debt previously and I am also reporting the violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau due to my credit standing/scores being impacted by their ( Conserve ) noncompliance with FDCPA regulations.
Product: Debt collection

Profit Services Group has called us several times in reference to a doctors bill for our daughter that has not been paid. They do not leave messages, they will not send bills and want us to go to their office to get copies of bills and pay. I have explained to them that this is a workers comp claim and that I have been working with the Employer, Doctors and  Insurance Company  since  XXXX . They were very rude, threatening and condescending. They are threatening to send it to further collection, take legal action and have called me at my place of employment. They are also trying to collect an additional {$400.00} for credit collection fees. They will not listen to our explanation. They want to know if I have been working on it since  XXXX  why has n't it been paid. They accused me of doing nothing. I tried to explain and they will not listen. I had to hang up on them, due to their rudeness, lack of understanding, and accusations. This is not my first harassing encounter with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

We paid Rent Recovery Solutions {$3900.00} on XX/XX/2021. The representative informed us the debt would be removed from our credit report. The debt is still showing on our credit report. We contacted Rent Recovery Solutions a second time, the representative from the company now informed us, that the credit bureau would have to remove the debt from our credit report. 

We are expressing Rent Recovery Solutions used deceptive, and unfair business practices by initially informing us the debt would be remove from our credit report in order to secure the debt funds of {$3900.00}. We are explaining Rent Recovery Solutions enticed us to pay the debt in full, by explaining the debt would be removed from our credit report. Please investigate this company. There are probably other consumers that have incurred deceptive practices from this company. 

We want Rent Recovery Solutions removed immediately from our credit report. Please asked the company to let your department hear the company recordings.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXXXXXX XXXX XXXX Date : XX/XX/2025 Experian XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Student Loan Information Subject : Request for Correction Based on Consumer Protection Laws Dear Experian, I am writing to formally dispute the accuracy of the information concerning my student loans as reported in my credit report, which I received on [ XXXX XXXX XXXX XXXX  ]. I believe that the information is incorrect and request that it be reviewed and corrected as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

The specific information I am disputing is as follows : Student Loan Account ( s ) : Dept. Of EducationXXXX XXXX XXXX XXXX Discrepancy/Issue : XXXXeporting wrong acct. status, Duplicate acct. reporting According to the FCRA, you are obligated to ensure that all information reported is accurate and up to date. I have included supporting documentation to help clarify the discrepancy, such as : Account statements Proof of payment Correspondence with the lender ( s ) I request that you investigate this matter and correct any inaccuracies in my credit report. Please provide me with an updated copy of my credit report reflecting the corrected information once your investigation is complete.

Under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. If the information is found to be incorrect or unverifiable, you must remove or correct the erroneous data as per the law. Please notify me in writing of the results of your investigation as soon as possible.

If you need any further documentation or information from me, please feel free to contact me directly at the address or phone number listed above.

Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information which has led to a breach that puts myself and millions of others at potential risk. Additionally, I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. Once it was decided to notify the public, I received no email, letter, or phone call and instead had to discover it via social media. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. Please take prompt and decisive action to ensure I am compensated for their negligence, I can be 100 % - without question - guaranteed my identity and personal information is not at risk, and that something like this does not occur again.
Product: Credit card

I used my Macy 's credit card, issued by Department Stores National Bank, in-store for a purchase of about {$65.00}. I had moved since using the card last, and asked the cashier to confirm my address on file. She said my address on file was correct. I never received an invoice for this charge. Six months went by, and I never received an invoice by mail or email. The bank did have my correct email address on file. The only reason I realized I had an outstanding balance was because I checked my credit report. They charged me {$150.00} in late charges and interest fees and were unwilling to work with me on this. After calling, I found out the only way to dispute the charges was via mail or fax. I did that, and I just never heard back from them at all. I fully paid the {$150.00} to avoid further damage to my credit report. I found this bank to be very unprofessional, in their lack of contacting me. I am very disappointed to have had to pay such a large amount of late charges, and having a black mark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with XXXX XXXX XXXX, XXXX. They failed to complete the investigation that was submitted online XX/XX/XXXX and via mail XX/XX/XXXX to XXXX. I received a letter dated XX/XX/XXXX from XXXX requesting that I provide them with documentation and it also stated that they would not contact me until they complete the investigation. I initiated the request to investigate and provided documentation to XXXX by mail on XX/XX/XXXX. XXXX obviously failed to share the documentation. I also provided them with documentation from XXXX XXXX ( the company they are collecting for ) that stated I am not responsible for the debt. The documents were not shared with the collecting agency, XXXX. The letter I received is an effort to extend the 30 day timeline. I was alerted today XX/XX/XXXX via XXXX XXXX that my investigation was complete because the information was verified. In my letter, I requested validation and verification of my debt. I did not get that. Also, XXXX is closed on XX/XX/XXXX so how was my investigation closed? Also, I believe I have fought this for over 7 years. I believe the statue has also run out. But they have not submitted verification of that either. Lastly, I do not believe XXXX XXXX XXXX is licensed to collect in my state. The company does not have my state on the webpage as a licensed state. I have disputed the same account with all 3 agencies and I have had the exact same result. Not proven to myself. Not verified to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple federally protected consumer rights are being violated. Please see attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN REPORT # XXXX INVESTIGATION ID XXXX RECIEVED FRIVILOUS RESPONSE AND A LYE STATING XXXX XXXX IS STAYING AND VERIFIED ACCOUNT OWNERSHIP I PREVIOUSLY SENT REGISTERED LETTER WITH DETAILED INFORMATION AND A COURT DOCUMENT WITH ANOTHER DOCUMENT SHOWING ADDRESS OF XXXX TO BE WRONG AND NO WAY TO CONTACT THEM DIRECTLY A D PROOF I HAVE EHUASTED ALL WAYS TO FURTHER DISPUTE DIRECTLY I HAVE NO RECORD OF SUCH ACCOUNT EXISTING AND RIGHT NOW HAVE A ARBITRATION SET UP WITH FAIRSHAKE TO GET COMPASSTION FOR DAMAGING MY CREDIT I ALSO SEEMING ATTORNEY TO FURTHER MORE HOLD EXPERIAN LIABLE FOR ALLOWING INFORMATION TO STAY ON RECORD AFTER I PROVIDED INFORMATION CONSTITUTING IMEDIATE.REMOVAL AS EXPERIAN WILL NOT PROVIDE ME WITH INFORMATION ON HOW THEY VERIFIED A ACCOUNT NOT MINE