23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A man calling himself XXXX XXXX from Unity Assets called me saying that his client XXXX   XXXX ' XXXX  was going to file a judgement against me if I did not take immediate action. He made it seem as though he was the company 's lawyer and tried to get me to make a payment over the phone. He sadi the debt had been in collections and since I hadn't paid it they were filing a judgment. He put me on hold for several minutes to " ask his client about payment options. '' He had the last 4 of my social and my place of employment. the debt is legitimate, however as far as I know they've never sold it to collections. I told him I didn't feel comfortable making payments over the phone without seeing the payment agreement first he insisted I had to make a payment right then and that I couldn't possibly get the paperwork until I had done so. I told him I needed to think about it an hung up. I looked up the company he claimed to work for and found that they were not a real company and certainly not lawyers and that the phone number they used to call me was fake. The number he told me to call back did not connect to any company at all ( XXXX ). I believe he was attempting to scam me out of my money and not in any way actually affiliated with XXXX I don't know how he got my information but it's frightening. He won't stop calling and has even called my place of employment. It's beginning to feel like harassment.
Product: Debt collection

My ex mother in law received a message by phone on XX/XX/2022 then soon after a phone call they told her everything about my debt and that they were trying to get should of me after my ex mothers in law called me I called them and asked why they were giving my personal information to people including my debt amounts its XXXX something she said they are trying to collect so I told them I had to make a few phone calls and see what I can do to try to pay so again the next day my ex father in law receives a call XX/XX/2022 and they told him everything too so idk if that is permitted or not
Product: Student loan

My name is XXXX XXXX, and I am an XXXX resident who consolidated student loans with my wife in XXXX. Ive been following the legislation to separate the consolidated spousal loans that President Biden signed into law in XX/XX/XXXXXXXX XXXX 

I have been patiently waiting for the Department of Education to issue guidance on separating these loans. Both my wife and I are public employees for sixteen plus years. We are eligible for Public Service Loan Forgiveness, especially now that the Spousal Consolidation Separation law is in effect. 

DOE has failed to provide any guidance on how to separate our consolidated loan and so we can transfer it to the DOE for PSLF eligibility. 

DOE has published a one-time IDR Account Adjustment for which I feel we qualify under the terms listed. However, because our loan is a spousal loan we can not complete the required steps because DOE has not provided the path to consolidate FFEL loans to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below to continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

While reviewing my credit report on Experian report # XXXX I noticed an account which populated to my credit file which is currently reporting an incorrect address and name on my credit file. When i contacted XXXX XXXX XXXX and spoke to XXXX on XX/XX/scrub>XXXX, I was informed that my identity could not be found. Through further investigation of providing my last name and current address XXXX informed me that the account was attached to a different individual which had mix file information. XXXX informed me she had removed my social security number from the account which would remove the information from my credit file. XXXX also informed me that she could visibly see the dispute that was received from Experian and could not process the dispute until after 60 days. XXXX informed me that there was not a confirmation for the call but was to ensure that the information was updated and removed off my credit file immediately. I am still showing this account for XXXX XXXX XXXX XXXX on partial account # XXXX. I have filed a FTC report informing the FTC that my identity has been compromised and that this account has been open fraudulently with my social security number. Please review and verify that this account does not belong to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

sent a letter out on XX/XX/XXXX to XXXX, transunion, and XXXX regarding to student loans paid off and very old accounts and request for deletion because its holding me back from getting ahead along with investigations for bankruptcy. However its been more than 30 days and the credit bureaus failed to send my investigation back. I Chvez been going back and forth with this since XX/XX/XXXX. This is not making any sense. XX/XX/XXXX I have also sent a letter to the court asking if they report bankruptcy to credit bureaus and they sent me a corresponding letter stating they do not report to credit bureaus. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

They are calling the above number about XXXX4 times a day. When I finally answered and requested the name of the creditor they would not let me know. They asked me to verify my address which I would n't due to issues regarding previous issues with my identity. The number they are call is not a number that I would use regarding any credit card or loan that I would take out it is a second line in my house that I use for my business. Also I have never received any notices in the mail regarding the debt they are trying to collect. If they have mailed notices they obviously went to the address that is using my name and therefore this is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never borrowed or brought anything from this company who sent me a build that I do not recognize or I recognize the the address on the collection. I have never have any business with this company. I am going to attached the report on from experian. the report number is XXXX I I want them to send me the original payment that I used to pay them on the loan or what ever I brought from them.
Product: Prepaid card

We loaded XXXX onto a gift card to pay our XXXX cell phone bill and on XX/XX/2016 XXXX processed a payment of XXXX everything was fine until XX/XX/2016 when transcard filed a claim against att to have the XXXX returned to them witch att did and then put the amount back on our bill making us repay the XXXX after XXXX returned the XXXX to transcard the money disappeared we called transcard numerous times to asked where our money went and they said they paid att XXXX witch we ask for proof of and the only proof they are provided was for the payment on XX/XX/2016 for XXXX and that was returned to them on XX/XX/2016 leaving us with the bill of XXXX and a balance of XXXX on the card the XXXX is gone XXXX does not have it as it was returned and trans card has no proof of anything other then the one payment in witch they took back and left us out of XXXX stating it 's not their problem
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX has reported a hard inquiry on my credit report. I do not know this company, have never applied for an account, nor have ever done business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

My husband went to XXXX XXXX XXXX XXXX on XX/XX/2024 and they ran my credit without my authorization nor knowledge. My husband did not even know they tried to run my credit for the {$1300.00} they were charging him for service. All they did was set him up with a payment plan that was not credit based. I received a letter from XXXX XXXX XXXX  stating that the XXXX XXXX XXXX XXXX was not approved because they could not verify the social security number or alternate identification. The letter did not offer any contact information from the lender and the only number listed was the Equifax number. When I called XXXX XXXX XXXX XXXX, they told me that the reason they ran my credit was because I was the insurance policy holder and they never called me nor informed me for any authorization. They ran this without knowing my SSN or any identifiable information other than my name and address. I saw through my credit report that they did a hard inquiry for something that I never would have willingly authorized and lowered my credit score.
Product: Checking or savings account

My problem stems from a disputed I filed over season tickets with a local major sports franchise, And was never mailed the questionnaire to continue to dispute was never mailed documentation that the provisional credit was going to be reversed of {$250.00}, and once that happened and I didnt know about it cost me overdraft fees of {$140.00} Which I had to have escalated to another department to try and get back which they finally did, and I stock money in the bank to cover all pending transactions in the reversal of the provisional fee credit. 


I also re-file the dispute, and I wake up today tomorrow overdraft fees from things that just showed on my end that I had covered, and a woman in the escalations department by the name of XXXX XXXX was only concerned with trying to sell me more products. 

I went to the local branch and talk to XXXX XXXX, And explain the situation and what is going on over the last couple days and that I have thousands in another account, which I made a point out dont you think if I knew I didnt have enough money in there I have the funds to cover it like this is XXXX that this keeps happening. 

Can you agreed however he tried to give me the feedback in the system would not let him in restricted him from giving me the feedback I am now refusing to put any more funds in this account because this is XXXX everybody I call nobody seems to care Im gon na try one more time to get this resolved if this doesnt get resolved I am leaving PNC for good and I been banking there for over five years
Product: Credit reporting or other personal consumer reports

attached is the CERTIFIED MAIL FROM USPS XXXX. XXXX is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Open options Account # : CHILD SUPPORT ENFORCEM Open options Account # XXXX CHILDSUPPORT Open options Account # XXXX Inquiries XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Debt collection

On XX/XX/2022 LNNV funding stated that account was open with a balance of {$5200.00} and I have no knowledge of that account. And I have no contractual agreements with them at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not mine have contacted credit bureau and the company several times about account stated would not do anything until they can update there records.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : ACCOUNT NUMBER XXXX XXXX XXXX I qualified for Public ( Student ) Loan Service Forgiveness and my student loans were forgiven by XXXX XXXX on XX/XX/2022. 

However, in a previous correspondence/letter, XXXX XXXX ASSURED ME that XXXX XXXX will be reporting my forgiven consolidated amount of XXXX to the XXXX Credit Bureaus as `` PAID IN FULL ''. 

THIS IS NOT THE CASE. XXXX XXXX is wrongly reporting to the Three Credit Bureaus as " PAID.CLOSED ''. PAID/CLOSED COULD BE FOR DIFFERENT REASONS, BUT PAID IN FULL IS WHEN THE ACCOUNT IS PAID IN FULL TO XXXX XXXX XXXX THE DIFFERENCE BETWEEN " PAID IN FULL '' AND " PAID.CLOSED '' IS HUGE. If XXXX complete their obligation to Report my XXXX loans to the three credit bureaus as " Paid In Full '', then my credit score will be increased. When XXXX XXXX is reporting that my newly consolidated student loans are ONLY " PAID.CLOSED '', that reflects negatively on my credit score, because XXXX does not direct the three credit bureaus that my student loans are FORGIVEN OR PAID IN FULL BY THE GOVERNMENT. 
THIS IS WRONG. 
See the following explanation by XXXX : " The Difference Between Closed and Paid-in-Full. - Revolving accounts, like credit cards, are referred to as " closed '' when the account can no longer be used to make charges.Credit card accounts will show " closed '' with no balance rather than " paid in full '' so that there is no confusion about whether the account is open to new charges. Paid, '' or " paid in full, '' is the term applied to installment accounts, like car loans/student loans, after the last payment is made and you have completed repayment of the loan as agreed. XXXX XXXX, XXXX XXXX  XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The courts file a tax lien due to misinformation. Once the information was corrected the tax liens were released. I sent the documents the documents to all  XXXX  credit reporting agencies and requested that it be removed because the tax lien should not have been filed.
<P/>
 XXXX  is the only credit reporting agency to remove the derogatory information from my report. I have been unsuccessful with   XXXX   and Equifax.
<P/>
I am requesting with assistance in getting  XXXX  and Equifax to remove this erroneous information. This is damaging my credit report and I can not apply for credit.
I also provided them the information to support the request for removal. It is very hard getting the credit reporting agencies to do their job and correcting your credit reporting.
<P/>
 XXXX    XXXX   XXXX   XXXX     XXXX , PA  XXXX  Equifax   XXXX   XXXX   XXXX   XXXX    XXXX , Georgia  XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

Self closed my account XXXX.bal was XXXXXXXX bal XXXX plus {$15.00} late charge for the next fours monthsXX/XX/XXXX report 90 days late 2 days later report 120 late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit reporting or other personal consumer reports

I was checking my consumer report and saw a bunch of credit inquiries not recognized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My personal data has been compromised and being used to open accounts with Chase Credit Card company. I have contacted them several times in the last several weeks and informed them that I have not open an account and I asked them to block any further applications which they stated they could not do. I advise them that this is official notification and that anything going forward is harassment. Not very helpful at all. 

Accounts open with my first and middle names. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with grow credit company. I still have not been provided the original contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CU I never had a XXXX account Reported : XX/XX/XXXX {$16000.00} Closed Overview You're currently using 1107 % of your account 's limit. 
Balance {$16000.00} Credit limit $ XXXX  Monthly payment {$0.00} Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Payment History Youve made 77 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$16000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by credit grantor Times 30/60/90 days late
Product: Debt collection

This is not an acknowledgement or admission of debt owed. 

This is a report that Portfolio Recovery Associates continues to report XXXX accounts as collection accounts that have passed the statute of limitations for reporting of negative information, as defined in 1006.26 Collection of time-barred debts.. Attempts to resolve this matter directly have been unsuccessful. 

Namely, the accounts XXXX is reporting are as follows : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, opened XX/XX/year> reported to XXXX, XXXX and XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX to XXXX, XXXX and XXXX ; XXXX XXXX XXXX a result, I have suffered damage to my credit and lack of access to affordable credit options, or access at all.
Product: Debt collection

In XX/XX/2017 we changed cell phone providers from XXXX to XXXX. During the 14 day return policy we switched back to XXXX and returned the phones to XXXX. After a month or two received a bill from XXXX regarding the cell phones not being returned to the XXXX XXXX store in XXXX MD. I called the store and asked them about the phones in which they proceeded to say were not returned. I asked to see the camera footage and spoke with the manager of the store who advised me that they could not let me see this video to prove that the phones were returned.I then started calling XXXX XXXX for 6 or 7 months to find out where the phones were after they told me they were investigating they never found the phones and nothing was done to the store to reprimand or make sure that corporate could see the footage. Now XXXX XXXX has sent me to collections with Enhanced Recovery for {$1300.00}. XXXX XXXX  has on record numerous calls made by me to resolve the issue after it happened and has sold the debt to enhanced recovery which is not owed. There is no bill for the acct other then the phones that were returned and were lost or misplaced by XXXX XXXX. I tried both store and corporate to get the issue resolved and still is showing on my credit report for something I did not owe and was returned.