23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below XXXX XXXX XXXX LXXXX XXXX XXXX Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
XXXX provide breakdown of fees including any collection costs and medical charges XXXX a copy of my signature with the provider of service to release my medical information to you. 

I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete the address and multiple name spelling XXXX XXXX XXXX XXXX XXXX Texas I never lived there
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report and noticed there are a few addresses on there where ive not lived for years. My current address is XXXX XXXX XXXX XXXX and has been for the last 14 years. these are the addresses ive also gotten inflated amounts from these companies that i know i do not owe therefore they a hugely inaccurate in there credit reporting.

Under 15.U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer and 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 information from the file of the consumer, or modify that item of information as appropriate based on the result of the re-investigation ; and ( ii ) promptly notify The furnisher of that information that the information has been modified or deleted from the file of the consumer, please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  also all of these wrong addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested an investigation into this account twice, and both times I was informed that the report was accurate. However, my credit report is still not accurate. The account numbers differ across the bureaus : XXXX shows XXXX, while XXXX and TransUnion XXXX XXXX. Additionally, XXXX lists the account as a XXXX XXXX  account, but just last month it was labeled as an XXXX XXXX XXXX account. How is that possible if all reporting agencies get their information from the same source? There is no way this is accurate. I will attach screenshots as proof. 

You have failed to properly investigate this account twice, which is hindering my ability to obtain credit. 

15 U.S. Code 1681e ( b ) states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

I demand that you delete this account immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan for an XXXX  of {$1300.00} and made one payment via my bank and then paid it off. I got various small purchases from XXXX and some of the bank direct payments failed, they notified me in a few days, and I switched the auto payment to my visa debit for the same bank and account. All went through. In the process they sent me an email saying they had tech problem and apologized. Now they have shown me as paying the monthly loans late, ruining my credit, and cutting my credit limit. I want them to rectify this and apologize. Im certain this has gone on with many others, particularly the elderly.
Product: Credit reporting or other personal consumer reports

Experian won't let me log into my account because it claims that I have a premium account but even on the login screen it doesn't let me change that or cancel that option and whenever I tried to retrieve my report on annual credit report experience said that there was an issue and wouldn't explain further as to why they wouldn't give me my report. It's pretty sad that people 's lives and financial needs literally have to rely on these lying companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my report that I do not know where it come from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to third party agencies to use report. I also don't recognize any of these reports from : XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX  ) XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I agreed to a settlement on a debt which was acquired by MRS Associates. Last Monday, XX/XX/XXXX, my wife and I signed off with our bank to secure the amount I had agreed upon. There was then a required three day waiting period before the funds could be dispersed. Funds were dispersed on Friday, XX/XX/XXXX. MRS Associates was made aware of this timeline and assured me calls to my cosigner would stop. On Monday, XX/XX/XXXX I was already receiving calls from MRS Associates harassing me because they had not yet received the check. They have continued to call me all week, and resumed calling my cosigner today. I called in to the person whom I had been working with today to find out what is going on, and she was extremely unreasonable, demanding multiple times that I contact my financial institution, even though I told her they were closed for the holiday weekend. 

Basically, long story short is that I've agreed to a settlement with them and have taken care of securing the funds on my end. I've signed off on everything with my credit union and funds were to be dispersed on Friday, XX/XX/XXXX. MRS Associates began harassing me on Monday, XX/XX/XXXX because they had not yet received the money. The dispersement of the check is out of my hands, but waiting zero business days before resuming calls seems like textbook harassment to me.
Product: Debt collection

An alleged debt owed to XXXX who was responsible for Accounting Services to my Law Firm and my family was resolved on or about XXXX XXXX, 2016 by way of Settlement Agreement and General Release. Per the Terms of the Settlement Agreement, any debt allegedly owed by my wife and me to XXXX was extinguished effective XXXX/XXXX/2016. 
Despite the aforementioned Settlement Agreement Capital Collection Agency, which had been retained by XXXX XXXX submitted false and misleading information to XXXX on XXXX/XXXX/2016 that the debt remained outstanding and as a result I have been denied credit and/or am being charged a higher interest than I would otherwise have had to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion 's recent breach of contract should entitle us to freeze our credit for free. I can not believe they are trying to sell us their products and services when they clearly are legally and morally at fault for this. Credit freezes in this event should be free of charge.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got a alert on my XXXX XXXX  account stating that I lost points due to a hard inquiry by a company I never heard of called ligthstream. I have sent an email to their customer service explaining that I did not authorize any hard inquiries and that I never even heard of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called this company many times to try and to get them to fix the errors that are being reported and i have also sent many certificated letters to show that these accounts and inquires are not mines as well as requesting them to update my information such as my address, my employer and my telephone number back in  XXXX  of   XXXX   through certificated mail and as of today  XXXX / XXXX /  XXXX   it still has not been updated and when i called to try and get this resolved again they refuse to listen to my complaint and try and get this resolved.
Product: Credit reporting or other personal consumer reports

Ive never entered in any agreement with XXXX XXXX XXXX. Ive requested them to validate this information thats listed inaccurately on my credit report both they havent yet to respond. Ive asked them to send me a copy or any original documents that states I have a contract with them but they have failed to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report.
Product: Debt collection

In XX/XX/XXXX, I did a XXXX at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, CA XXXX ), but the doctor didn't told me that the XXXX XXXX XXXX XXXX is a out of network before sending me to the center, not providing any financial estimation as well, they billed me {$1300.00} about XXXX months later after finishing the XXXX, I would have went directly to the lab and went to the hospital if I known this was going to be this much. 

I had a couple a phone calls with XXXX XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX for negotiating the bill, the final call was to ask them to provide evidence for providing financial estimation before sending me to the center or XXXX. However, I have not received the related documents. 

Then they just sent this bill to a collection agent ( UNITED RESOURCE SYSTEMS ) at XX/XX/XXXX without sending any notification, even the collection agent did not sent me any mail or any other notification about this collection, in other words, I do not even know I have this collection until yesterday I was going to query my credit report. No any mail before and after the provider sent this bill to the collection agent. 

Three things, 1 ) this was a surprise medical bill. 2 ) sent to collection agent without any notification. 3 ) doing medical collection during covid pandemic.
Product: Debt collection

I cancelled internet with XXXX XXXX XXXX. I informed the company that the modem they provided was broken and I purchased my own modem vs. getting another one from them. The company stated I didn't need to return the modem. Then a few weeks later I get a bill for their modem. I contacted XXXX XXXX XXXX and the representative stated they needed it back. XXXX XXXX XXXX provided me with a XXXX label to return the equipment, which I did sometime between XX/XX/XXXX - XX/XX/XXXX. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating they wanted {$170.00} for the unreturned equipment. Called XXXX XXXX XXXX on XX/XX/XXXX and advised the equipment was returned. XXXX XXXX XXXX ( XXXX - Emp ID # XXXX ) stated the account would be credited within 24 hours. The next letter I received was from a credit collections company. I called XXXX XXXX XXXX on XX/XX/XXXX and spoke to XXXX XXXX, emp ID # XXXX, and provided the reference number on the customer copy of the XXXX slip they provided. I received a call from the collections company on XX/XX/XXXX & XX/XX/XXXX stating XXXX XXXX XXXX says we still owe for unreturned equipment. I contacted XXXX on XX/XX/XXXX to get the tracking number, however they said only XXXX XXXX XXXX has the tracking number since they provided the Air Bill label for shipping. I cancelled my service with XXXX XXXX XXXX after 4 months of phone calls and constant follow ups to get {$300.00} credited to my account that they owed. After the credit finally went through and I used up the credit, I cancelled because of the bad service and the number of hours spent on the phone with them. This is the same kind of situation. They promise one thing and don't do it. I've spent multiple hours on the phone with them and I'm simply exhausted. Any help would be appreciated.
Product: Money transfer, virtual currency, or money service

Someone hacked into my PayPal account and paid themselves XXXX  times the same amount of {$190.00}. I immediately contacted PayPal to dispute these transactions. They came out of a closed checking account of a bank in XXXX that's been closed for well over XXXX  years. I have opened numerous disputes with PayPal over these transactions. They are telling me there's nothing they can do because it's personal payments and not transactions. My PayPal account is negative {$1300.00} due to these fraudulent payments. How can they pay someone out of a closed checking account? So in order for my PayPal to be current, they want me to deposit back the {$1300.00}!!! I've called them several times and they don't understand what I am saying to them and are telling me that I made these payments. I haven't used XXXX XXXX  in well over XXXX  years. I have strictly used my XXXX XXXX account which they can see all of these transactions over the years. You would think that XXXX payments to the same person would set off a red flag. Btw, they are in XXXX!!! Please help!!
Product: Money transfer, virtual currency, or money service

XXXX can no longer be linked to my account, I have money that needs to be transferred over and can not pay anybody.
Product: Debt collection

XXXX XXXX services called threaten to foreclose my property. I told XXXX that I had already giving XXXX payment of {$520.00} each XXXX XXXX. which would cover XXXX and XXXX anf another payment would follow before XXXX XXXX. me owing only XXXX 's payment the representative threaten to foreclose my property and called me a lier. I went through a nervous breakdown down and feeling XXXX. Please help.
Product: Credit card or prepaid card

I was in Lowes was going to open credit card over the phone, and they said they would send me text on my cell phone. I told them to " Do not proceed with this. I'll pay cash for these items. '' The person on the phone ran my credit. I got a letter in the mail telling me that my application wasn't approved. I told them not to run my application. 
The people that answer the phone have run me my around, and have hung up on me. 
I cussed them out big time, because they did something I told them not to do. 
I'm sure you won't do anything because you kiss the XXXX of big corporations, and banks. 
Tell the XXXX to listen to the recording. 
SICK OF THE XXXX!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX Experian Account Type : Credit Card I am writing under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information that appears on my credit report regarding the account I hold with [ creditor name, e.g., XXXX XXXX XXXX ], which has been marked as a " charge-off. '' Upon reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, Experian, and XXXX ) : XXXX : Highest reported balance : {$4200.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' Experian : Highest reported balance : {$0.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' It also states that the account was closed due to inactivity. 

XXXX : HighesXXXX reported balance : $ XXXX balance owed XXXX XXXX XXXX status : Closed, reported as " Charged off, '' and notes the balance was " reported as a loss by the creditor. '' These discrepancies show significant inconsistencies between the credit bureaus, particularly in regard to the high balance amounts and account closure reasons. According to Experian, the account was closed due to inactivity, while XXXX indicates it was reported as a loss by the creditor. Furthermore, XXXX provides different information about the high balance. This inconsistency violates the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies ensure maximum possible accuracy when reporting consumer information.

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history, which is currently not being accurately reflected due to these discrepancies between the credit bureaus. 


I am requesting that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The conflicting data between the bureaus demonstrates the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and inaccurate information for your reference. 

Thank you for your prompt attention to this matter. I look forward to your quick response.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updated personal credit report, I discovered that unauthorized credit inquiries persist. It appears that my credit has been compromised under your oversight. Despite submitting FTC report XXXX XXXXXXXX, these inquiries remain unresolved. This is my new complaint that I was affected by inaccurate credit report data and I write to dispute these inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these inquiries in my credit file that resulted from an incorrect credit information : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.