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

AS OF XX/XX/2022 - EXPERIAN CONTINUES TO DENY ANY ACCESS TO A LIVE TELEPHONE AGENT BASED IN THE USA - AT THE NUMBERS GIVEN TO BE CONTACTED TO THE CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 

EXPERIAN HAS A ROBO-BLOCKER ON THEIR NUMBER AND GIVE THE BOILER PLATE REASON AS STATED BELOW ON THE NOTED ACCOUNT THAT HAS BEEN DELETED FROM MY CREDIT REPORT FILE AS OF XXXX. 

EXPERIAN HAS SHOWN IT ITENDS TO VIOLATE MY FCRA AND FDCPA RIGHTS. I WILL BEGIN INTENSE AND AGRESSIVE LITIGATION AGAINST EXPERIAN - TO PROTECT MY CREDIT HEALTH AND EXPOSE THE ACTIONS OF EXPERIAN TO THE COURT TO RECIEVE FINANCIAL RELIEF. WHILE IT SEEMS THAT NOTIFICATION TO THE CFPB WOULD HAVE A POSITIVE EFFECT - THE LACK OF ENFORECEMENT OF THE FCRA AND FDCPA IN MY CASE HAS GIVEN ME NO OTHER OPTION THAT TO PURSUE AGRESSIVE LITIGATION AGAINST EXPERIAN FOR THEIR CONTINUED MIS-REPORTING AND VALIDATION OF PREDATORY LENDERS- WHO ARE THE DELETED DATA FURNISHERS. 

BECAUSE EXPERIAN HAS EXHAUSTED THEIR TIMEFRAME WITH ME- THIS NOTICE AND COMPLAINT TO THE CFPB SHALL SERVE AS PROOF ( EVIDENCE ) IN MY LITIGATION PROCEEDINGS AGAINST EXPERIAN TO RECIEVE RELIEF FROM THEIR ABUSIVE CREDIT REPORTING PRACTICES REGARDING CONSUMER DISPUTES. 

THANK YOU. 

XXXX XXXX XXXX - CLAIMANT - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX SAID SHE CHECKED HER CREDIT AND SHE SEEN SOME UNAUTHORIZED FRAUDULENT INQUIRIES LISTED ON HER CREDIT REPORT, SHE SAID HE NEVER GAVE ANYONE PERMISSION TO RUN HER CREDIT.SHE SAID SHE NEVER RECEIVED ANY MONEY GOODS OR SERVICES FROM THESE COMPANIES.SOMEONE USED MY CREDIT PRETENDING TO BE ME.THE FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX for XXXX XXXX XXXX XXXX XXXX XXXXMERCURY Account # XXXX To Whom It May Concern : Pursuant to 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1022.41, I formally request an investigation into a fraudulent account appearing on my credit report.

Per FCRA 611 [ 15 U.S.C. 1681i ], I demand verification of : 1. Date of first delinquency ( DOFD ) 2. Date of last payment ( DLP ) 3. Date of charge-off Under FCRA 623 ( a ) ( 5 ) [ 15 U.S.C. 1681s-2 ( a ) ( 5 ) ], furnishers must report accurate dates of delinquency. The account details : Creditor : XXXX XXXX XXXX/MERCURY Account Number : XXXX Account Type : Credit Card Under FCRA 611 ( a ) ( 1 ), you have 30 days to complete this investigation. Failure to comply may constitute a violation of federal law.

cc : Credit Reporting Agencies XXXX XXXX, XXXX, XXXX )
Product: Debt collection

A collection account has been placed on my credit report in error. I disputed the results and requested an investigation. The investigation determined the account belonged to me without proof. The reporting Agency is committing fraud as they were aware the account does not belong to me. I never opened the account with the company and they do not have a signed contract with my accompanying information ( signature, date of birth, social security number ). I believe this company is attempting to shake down innocent victims with false and/or already paid accounts.
Additionally, Diversified Consultants, Inc. has made multiple harassing calls to my mobile phone number, at least two calls a day for the past six months, for a debt that does not belong to me. I have explained to them that the debt belongs someone else with the same name and that debt was paid by that individual, but the DEBT DOES NOT BELONG TO ME. I have requested proof of said debt they claim belongs to me and asked that they indicated where my matching social security number, date of birth and signature appear to no avail. When they provided information to the reporting Agency, and later mailed to my home address, they only provided information they knew matched, such as the name and address of the original debtor ( which, matches my contact information ) but did not provide or intentionally omitted the additional information that would clearly indicate the debt did not belong to me. The refused to provide the social security number, date of birth, and or signature of the original debtor. Although clearly aware that the debt did not belong to me, Diversified Consultants, Inc. placed the inaccurate debt collection on my personal credit file with the three leading credit union bureaus ( XXXX, XXXX and XXXX ). XXXX conducted an investigation and concluded that the debt belonged to me based on fraudulent information provided to them. I attempted to contact Diversified Consultants, Inc. and XXXX for a third and fourth time to provide proof that the debt DID NOT belong to me and that the original debt had been paid more than seven months ago to no avail. The inaccurate and wrongfully documented information is still on my credit report as of this request for intervention. It is my belief that Diversified Consultants , Inc. willfully and knowingly reported false information on my credit report when they realized they could no longer collect the ALREADY PAID debt that was paid to another party ( the original creditor ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 n 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 us 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN GOING BACK AND FORTH WITH EQUIFAX SINCE LAST YEAR ABOUT THIS XXXX XXXX ACCOUNT. I HAVE SUBMITTED PROOF TO THEM SEVERAL TIMES THAT THIS ACCOUNT IS NOT MINE. I HAVE CONTACTED XXXX XXXX GLOBAL FRAUD TEAM WHO HAS TOLD ME ORE THAN ONCE THAT THE PHONE WAS BEING USED MOLES AWAY FROM MY ADDRESS. YET EQUIFAX CONTINUES TO ADD THIS ACCOUNT TO MY CREDIT REPORT. THIS IS THE SAME COMPANY THAT ALLOWED MY INFORMATION TO BE BREACHED AND KEPT IT AWAY FROM ME AND MILLIONS OF OTHERS CONSUMERS. THE CONTINUE TO ALLOW FALSE INFORMATION TO BE ADDED TO OUR CREDIT REPORTS. THIS BUREAU NEEDS TO BE MONITORED ON A DAILY BASIS BY HIGHER AUTHORTIES BECAUSE THEY ARE CONTINUING TO HURT CONSUMERS BY ALLOWING FALSE INFORMATION TO BE ADED.
Product: Credit card or prepaid card

I had revoked authorization for Autopay with a Discover credit card representative with the credit card department back on XX/XX/2020. And on XX/XX/2020, they charged my account anyway, meaning without my permission, and {$1100.00} was debited from my bank account. I was not paying a lot of attention to my transactions with my bank account at the time, and somehow missed this transaction. About a year later I had to look at my bank statements about a year prior for something, and discovered this disturbing issue. So I immediately filed a dispute with my bank. Unfortunately, due to the timeframe, they were required to ask for a response from Discover before doing the chargeback. Of course, Discover responded, and showed documentation of my account being set to Autopay. In no way, shape or form did this mean I did not call and request to have my authorization revoked. The agent I spoke with confirmed it was taken off Since Discover responded, even though the response was irrelevant, my bank was unable to send the charge back to Discover because it was over 60 days old I urge Discover to review the phone call from XX/XX/2020, provide me and the CFPB with the conversation, and refund me back the full amount of the funds they debited from my account without my authorization back on XX/XX/2020. Or I will file a lawsuit against them and just get my money back that way. But, if they make me go through all that hassle just to get my money back, as if all this thus far wasnt enough, I will also be suing them for charging my account without my permission, which is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed account below was opened fraudulently and charges were made without my consent also the account was previously removed from my trans Union credit report but was illegally back reported and also the account is past 7 years old. 

TransUnion XXXX XXXX XXXX  {$1200.00} Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to address wrong information and fraud on my dredit report on accounts that been paid of by insurance company or the account was not open by me do to me being in federal custody but the creditors and credit bureau 's dont listen and respond with negative responses I even showed proof that I been at my address for 25 years and the addresses that were used to open these accounts have nothing to do with me but my proof they just ignore they cant even send me the documents I reques to show me how these accounts are linked to me I went to a lawyer who advised me to pay them and all this would go away but none of it went anywhere it only made things worse now I have to live a rougher life after 15 years in prison when all I want is for my credit to be the way it should and all these accounts that are fraud by identity theft.
Product: Credit reporting or other personal consumer reports

I called and set up monthly auto draft payments with Barclays bank to be drafted monthly. I was told I need to make a payment of {$150.00} each month and agreed. This was done each month and 11 months into this agreement they reported my account as late payments each month. I called Barclays and was told that the payment should have been {$300.00} each month. I was given wrong information by Barclays and was never contacted by Barclays about my account be delinquent by mail, phone or email. I only found out when suddenly they report me as 11 payments past due. I made the agreed {$150.00} per month payments. Now I have {$1800.00} past due to pay to avoid any more late payment reporting. Below is what I am requesting : I was never late on the account stated above. Please show me documentation of proof showing that the account was paid late each month to show your inaccurate reporting on my account. If you can not supply this, please delete these alleged late payments from my credit report per 15USC 1666B a creditor may not treat a payment on a credit card account as open ended consumer credit plan as late. Please update the payment history as PAANL status, paid as agreed never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M LOOKING FOR SOME ASSISTANCE WITH DEALING WITH A COUPLE OF FRAUDULENT ACCOUNTS THAT ARE REPORTING ON MY CREDIT REPORT. THESE ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE I WAS HOPING TO GET THEM REMOVED FROM MY REPORT AS SOON AS POSSIBLE BECAUSE IT'S CAUSING ME STRESS AND KEEPING ME FROM BEING ABLE TO BUY A NEW HOME.
Product: Debt collection

Dear Collection Agency, I recently spoke with a representative at the collection agency about this debt. This was my XXXX  time speaking with this company on the phone. I requested the original contracts/ lease agreements to validate this debt. The representative said he would email the contract to me. I have not received any information regarding the original documents. 

Under the Fair Debt Collection Practices Act, a debt collector must respond to a request for a debt validation. If they don't, they're in violation of the act. I am now moving towards litigation for failure to uphold the statures.
Product: Credit reporting or other personal consumer reports

This was my follow up with regards to my previous complaint dated XX/XX/XXXX. That time I noticed these items that DO NOT belonged to me, and neither did I initiate an authorization towards who ever have these data that I am listing in complaint and reported through Federal Trade Commission ( FTC ) with reference # XXXX. And I am attaching my FTC Fraud Report in this complaint again for your information source. Please remove the listed items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX Balance XXXX {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$180.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} Original Creditor XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$180.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XX/XX/XXXX
Product: Debt collection

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Product: Debt collection

Reporting on Credit Reports for original creditor XXXX. I have no knowledge of this account and keep disputing. They have no proof of any kind of signature or me authorizing any purchases made for this account. And keeps reporting negative on my credit report
Product: Student loan

Our family and the families of our cosigners are XXXX and people with Limited English Proficient ( LEP ). 
When applying to Sallie Mae Bank for a student loan to pay for tuition at XXXX University, we did not receive any explanation from this Banks about the financial risks for the borrower and his cosigners. That is, no clarifications were provided either in English or in XXXX through an interpreter ( XXXX is our native language ). We were not told what amount of payments is expected and what consequences the delay in payments, the inability to make payments, and so on will entail. It seems that Bank is simply trying to involve more people in the process of obtaining a student loan for his greater safety, that is, Bank puts his financial security first, and not the financial security of his customers. 
As practice shows, when requesting a credit line, any bank limits the amount of the loan and this is not considered discrimination. This is a concern for the financial security of the borrower. 
We paid the required amounts on time throughout the entire time. We continued to behave responsibly towards Bank and our cosigners. We made several full payments in Sallie Mae Bank even while our son is still student. We continue to make payments to Sallie Mae Bank, but our financial resources have run out. 
Now our son can not find a job, because in connection with the COVID-19 pandemic, employers will extend staff reductions, not hiring, Again,  we were ready to pay off the student loan debt in accordance with our income. But now, given the dismissive attitude of Sallie Mae Bank towards us as his clients and his unwillingness to provide us with any assistance in a difficult economic situation, we consider it fair to cancel the existing contracts for student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter with the credit reporting agencies in regards to inaccurate information on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent the first letter on XX/XX/2020 and the 30 day follow up letter on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my XXXX XXXX and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Product: Debt collection

On XX/XX/XXXX I noticed a collection account on my credit report. I immediately contact the collection agency they provided me the info to original creditor, However when I contacted the original creditor the company does not exist and they do not answer. The collection agency did not provide more details. 

This is a false debt I never received any service on the mentioned dates nor do I owe any medical bills or had any business with the original creditors. I never received any bills or invoices demanding payment never been contacted. I only got to know this through randomly checking my credit report for XXXX. 

Therefore I report fraud on my identity and I request to remove this false collection account from my credit report.
Product: Credit reporting or other personal consumer reports

I submitted a second written dispute to TransUnion regarding several unauthorized hard inquiries on my credit report. Despite my first request, TransUnion has failed to remove or adequately verify these inquiries.

I contacted the creditors associated with these inquiries, and they confirmed that they do not have any record of my authorization or any permissible purpose for conducting these inquiries. Under 15 U.S.C. 1681b ( Permissible Purposes ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including inquiries that were not authorized by the consumer or that do not meet legally defined permissible purposes.

Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires credit bureaus to delete unverifiable information, yet TransUnion has not complied. I also requested a description of the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ), but I have not received any documentation or explanation of how these inquiries were verified.

The Consumer Financial Protection Bureau ( CFPB ) has acknowledged problems with the EOSCAR system, which TransUnion may have used in an automated and inadequate manner instead of conducting a proper manual investigation as required by law.

These unauthorized inquiries are damaging my credit score, and TransUnions failure to properly investigate and remove them constitutes a willful violation of the FCRA as well as a potential unfair, deceptive, or abusive act or practice ( UDAAP ) under CFPB regulations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX is furnishing inaccurate information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. Both accounts were charged off and they received a tax break and did not SEND ME MY FORM 1099-C they should have sent when they Filled the account as a canceled debt. I'm aware per the IRS rules that they are suppose to file that by XX/XX/XXXX. I have yet to receive a 1099-C on either account. The IRS also Clearly defines a charge-off as Gross or Ordinary income per Publication 4681, and INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of the account inaccurate! By Definition, The IRS Clearly says a Cancelled debt or Charge-off is Income ( Publication 4681 ). The reporting of this account as a debt is inaccurate. Not only did they do such an act, but they also sold the charged-off account to a third-party collection agency per the note you have attached to each account. All of this constitutes tax fraud and I will file a 3949A form with the IRS IMMEDIATELY on the organization. I requested original documents and procedures from XXXX XXXX, TransUnion and XXXX because they keep updating the information when disputed as verified and they did NOT provide me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. As a consumer, my rights have been violated entirely, these organizations will fully and fraudulently withheld pertinent information to suit their agenda. Also per North Carolina collection statue, creditors have 3 years from the date of the last payment to collect a debt.