23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has been attempting to collect a fraudulent debt for over 5 years. The fake debt was supposedly inccured in XX/XX/XXXX as a paday loan. The company was asked to provide proof of the debt when they first attempted to collect said debt. They refused and ceased to call for over 6 months. They were unable or unwilling to do so, and were informed I would file a complaint with the Texas AG. They stopped all phone calls. Two years ago, this " debt '' appeared as a negative notation on my credit report. I contacted XXXX, they reviewed it, and removed said debt from my report. It has recently shown back up on my credit report, stating the debt started in XX/XX/XXXX This company has been informed this is a junk / fraudulent debt, and upon informing them of this, they proceeded to curse at me. I have again put it to review with XXXX, however, this company will continue to attempt to perpetrate a fraud against myself unless legal action is taken. There are countless negative reviews of this company, countless accounts of them committing scams and fraud. When I last spoke to a representative, she swore at me. Especially when I explained the debt was junk and asked for any proof they would have of the debt in question. She flat out refused and informed me that she was not legally required to do so, though consumer affair law states that she is required to do so.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

The following names, addresses and SSN 's are incorrect and should not be associated with my credit report.
Incorrect/Inaccurate Names : 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 XXXX XXXX XXXX Incorrect/Inaccurate Addresses : XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CO XXXX XXXX XXXX XXXX XXXX CO XXXX  XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX  Social Security Numbers that are not mine : XXX-XX-XXXX XXX-XX-XXXX XXX-XX-XXXX
Product: Credit reporting or other personal consumer reports

Started at the beginning of May after the XXXX XXXX XXXX breach. 

XXXX - tried to access my old account with Transunion, website instructed me to request my user information from them via my email. This failed XXXX - followed another instruction on their website to create a new account. Message popped up that there was already an account with Transunion with my email address. 

XXXX ( approx. ) Made several calls to Transunion starting today. Spoke with 4 different agents over the next few days XX/XX/24 - XXXX at Transunion tried to help but it's their website that isn't working She deactivated my 1st account, I created a new account, when I tried to use the new account it changed my password to last XXXX of my social security number. 

XX/XX/24 After several more attempts at calling, I stopped trying out of extreme frustration. 
Today XXXX, XXXX, and XXXX passed me around like a hot potato.
Product: Credit card

I opened an American Express XXXX card in XXXX 2016 with a XXXX point membership rewards bonus after spending {$3000.00} within 90 days. I spent over {$3000.00} on the card and the points posted to my account on XXXX. They were listed as " available '' in my rewards account and I used some of them to book flights. On XXXX, XXXX points were deducted from my account, leaving me with a negative balance. When I contacted Amex about this, they informed me that I had returned purchases and no longer qualified for the bonus. I 've not returned any purchases, ever, on this card. When I inquired further, they agreed with me ( on a recorded phone call ) that I met the bonus requirements and a computer glitch had caused the points to be deducted. They informed me that the points would be added back to my account soon. That was several weeks ago, and as of today, the points have not been added back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Card contacted me regarding a past due balance for a credit card that they claimed was mine. They then demanded my personal information to " Validate '' the account. I was then informed that the information that they had on record did not match mine and that the account would be closed and processed as fraud. I have had Discover Card showing on my credit report as " Closed '' with a past due balance of {$1300.00}. I have contacted them every single month since XX/XX/2018 and they still are illegally reporting this as a closed account with a negative balance.
Product: Credit reporting or other personal consumer reports

I requested a verification and validation of this account and the debt. I have sent XXXX different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over XXXX  days now, and I have received no response at all. I sent the first notice to XXXX on XX/XX/year>. I then sent notices to the XXXX XXXX XXXX XXXX on XX/XX/year>, and again on XX/XX/year>. Each notice was sent via XXXX XXXX XXXX and was verified as delivered via the XXXX tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

During this Global COVID-19 Pandemic Regulations states that there should be NO LATE PAYMENTS reporting during Foreberarnce Program. I have multiple Late payments showing on my report that should me removed immediately due to COVID-19. This is Clearly a Violation!!! Delete these late payments from my credit report immediately! If not deleted I will be reaching out to the CFPB and Seeking litigation because once again this is a violation. Remove late payments now please.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses on my credit report that are not mine. Please remove the following address as they do not belong to be. I dont even understand how someone elses address could even come on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA 3XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX  My current address is XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Product: Checking or savings account

Wells Fargo, unjustified fees taken from my previous account
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries, and I've asked them to be removed, but the bureaus did not do anything. Please remove the credit inquiries because they are inaccurate and not mine. Thank you. 
These were not authorized. 
XXXX XXXX XXXX - Dated : XXXX XXXX XXXX - Dated : XXXX XXXX - Dated : XXXX XXXX XXXX XXXX via XXXX XXXX - Dated : XXXX XXXX XXXX XXXX via XXXX Dated XXXX XXXX XXXX XXXX via Equifax XXXX XXXX XXXX Dated : XXXX XXXX CREDIT BUREAU XXXX XXXX Dated : XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report tied to unauthorized hard inquiries. Please remove them as per 15 USC 1681c-2.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA,

15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers.Creditor has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

Western Union has placed my review, they have my sensitive information on file and has placed my transfer in progress. They are unwilling to refund my money asap as they took my money asap. Their rep lied to me about it being cleared and should be available, it is not. XXXX was almost combative when I asked for a supervisor. He finally relented. My biggest complaint is they have they given me the run around and have hung up on me XXXX  times when they say they are transferring me to a supervisor. They are unethical in their practices. They need tighter regulations for their fraudulent activity.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX, XXXX XXXX XXXX. Are all in violation title 42 section 408 ( a ) ( 8 ). I have never heard of these reporting agencies yet they make inaccurate reports involving my social security number publicly. They deliberately act as a cabal to keep consumers in debt by reporting old and inaccurate reports. I had no knowledge of these reporting agencies were violating title 18 section 242 color of law
Product: Debt collection

I'm a vicitm of the equifax data breach the accounts listed below are not authorized by me, I have never done business with national credit systems Empire Rental Living At XXXX XXXX XXXX XXXX XXXX XXXX XXXX - summary Equifax XXXX XXXX Account Number XXXX XXXX XXXX Original Lender Empire Rental Living At XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX System Date Assigned XXXX XXXX, 2024 XXXX XXXX, 2024 XXXX XXXX, 2024 Original Balance {$17000.00} {$17000.00} {$17000.00} Current Balance {$17000.00} {$17000.00} {$17000.00}
Product: Credit reporting or other personal consumer reports

For years I had an account with TransUnion for managing my credit report and identify protection. I manually put a freeze on the account after I filed for XXXX XXXX XXXX  protection in XXXX. It's around that time that I cancelled the identity protection, and I didn't attempt to log into my TransUnion account again until earlier in XXXX when I was shopping for a car loan. When I logged in, TransUnion 's system said that I no longer had access to the account and needed to create a new account. I created a new account as instructed. IMMEDIATELY I was given an error screen telling me that my account was locked and needed to call a certain phone number. I tried calling numerous times to have my account unlocked and to unfreeze my credit. I wasn't successful at either, which caused my initial loan financing to fall through. I was made to come back to the dealership XXXX weeks later and sign for a different loan with worse APR and credit terms because of TransUnion 's negligence and inaction. I tried several times to get my account unlocked over the past few months, with TransUnion phone representatives hanging up on me or telling me conflicting information. I tried again today in an attempt to get a home improvement loan and spoke with three different reps, one of which who hung up on me, and another which failed to explain ANYTHING that was going on and lied about emailing me information. FINALLY, I called a third time and spoke to a rep who told me that because of so-called " fraudulent activity '' on my account that I would possibly NEVER be able to access my own credit account online ever again. In the meantime, I would have to supply copies of a birth certificate, legal documents, a utility bill, my state ID, and a bank statement and MAIL THEM TO A XXXX XXXX and that it would take anywhere from 1 month to a YEAR just to unfreeze my credit. And that I would need to specifically request in writing that I unfreeze my credit for a certain date range and that I be allowed to request it turned off and on over the phone. I can't even unfreeze my credit over the phone at this point! She said my SSN has been blacklisted for fraud, when I have NO ISSUE WHATSOEVER freezing and unfreezing and accessing my credit accounts with XXXX or XXXX. TransUnion 's phone system is frustrating, hold times are RIDICULOUS, and most of the reps I've spoken with have lied or misrepresented the issue or have no idea what they're talking about. This account lock/inability to unfreeze my credit has cost me money and hours upon hours of my time.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother 's Home Depot/Citibank North America card information has be added to my XXXX, XXXX  and XXXX  credit reports and being used as a factor to compute my credit score. I'm only listed as an authorize user. I'm requesting that this be taken of my credit report.
Product: Debt collection

XXXX XXXX is reporting this account to Transunion Ive already reached out to Transunion explaining to do a thorough investigation. Im going to attach these documents with this signature that is not mine from a contract that was sent to me. I want this investigated again. The amount keeps going up on my credit report I dont understand how they keep jacking the price up on this zombie debt thats not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

NELNET, INC. NEVER NOTIFIED ME, A CO-ASSIGNEE ON MY GRANDSON 'S STUDENT LOAN, OF ANY DELINQUENCIES OR PAYMENTS LATE ... BUT SENT DEROGATORIES TO CREDIT BUREAUSXXXX, XXXX AND XXXX . ACTUALLY, 7 LATENESSES OVER 3 MONTHS ON 3 LOANS. 

AS A RESULT, FICO LOWERED MY SCORE BY 200 POINTS, FROM XXXX " GOOD CREDIT '' DOWN TO XXXX " POOR CREDIT! '' NOT RIGHT, FAIR OR LEGAL TO " REPORT WITHOUT NOTIFICATION! ''
Product: Credit reporting or other personal consumer reports

There are hard Inquires on my report, cards I do not have, things I don not recognized or thing that I have but are still showing as a inquire and is impacting my XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly reported to XXXX  that someone was using my information. I gave them a copy of the identity theft report with a copy of my identification and social security card. I disputed the same collection and other accounts that were in my name and they have done nothing about it. We have called them several times and the people that answer are rude and can not offer any assistance on the problem. I have wrote them several times and nothing is happening. I dispute and received no actions. I have done everything that I can possibly do to get this problem resolved and I get nothing. I am frustrated because I am a victim of identity theft and I'm trying hard to clear up my credit. I have placed an identity theft alert and I think that should be fine enough. And the company that has the collection on my file is also tagging late payments on there and they should not be doing this and the people that I talked to at XXXX  said that they can't put late payments on a collection when there was no agreement to pay.
Product: Credit reporting or other personal consumer reports

I have a Raymore and Flannigan credit card and back in XXXX XXXX XXXX  I bought a table set for XXXX . It was still during the heart of the pandemic and we all were trying to slowly build our life back up to normal. I had 1 payment that I missed due to the covid crisis as I was struggling to save money and keep my job. I didn't sent in 1 minimum due payment and I got a late payment on my credit report. I only saw that few days ago when i pulled my credit report. I paid the {$400.00} after back in XXXX of XXXX  when i was able to borrow some money but I didn't not know I had a bad mark on my report. Now I am having a hard time due to the late payment showing on my report getting a loan. I ask you please take that negative mark off as I did pay it fully and I don't have any other bad marks on my report.
Product: Payday loan, title loan, or personal loan

I received a loan in the amount {$10000.00} from NetCredit in XX/XX/2019. I make bi-weekly payments in the amount of {$240.00} ( {$480.00} monthly ). I noticed that my balance was not reflecting the amount of money I had repaid into the loan. I called NetCredit to see if there was an issue with their reporting. I was shocked to learn that the APR attached to my loan was 59 %, which I dispute. I logged into the online account and see no reporting of the APR with my account. Had I not called I would not have known. I consider this to be predatory lending. I asked if the loan could be restructured since I was not in agreement with the high APR and they said it was nothing I could do. 

I'm seeking help with this matter because I feel there are others that have been taken advantage of and will not know to call and inquire.
Product: Mortgage

We received noticed that our Wells Fargo Home Equity Account, which has been closed for basically two years now by Wells Fargo, was due a credit as a result of case # XXXX. Again, that account has been closed for about two years and we have not received the funds stated in the notice. However, we have received a XXXX tax form for the amount we were supposed to receive. What Wells Fargo seemingly considers trivial money matters to people like us ; I 'm tired of having to fight this bank to get them to do what they are supposed to do. When we waited as we were asked to hear back from them on how they could " help '' us, we were informed that, because of the waiting time period, we 'd incurred more massive fees and penalties ; it seems a little unfair that, when they 've waited to pay what they owe us, we do n't have the same power.