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

XXXX  and Transunion apart from being extremely slow are not reporting positive information on my credit. 

Since 2019 I have hired a credit repair company and have aggressively pursued a credit increased score. XXXX seems to have a higher score with a 46 points difference. XXXX and Transunion are behind for an entire 2 years of ameliorating my credit score. They are stagnant credit bureaus. 

I have paid off many items for 6 months and they still have not reported any of them. I have several mortgages in which they still have old amounts from years ago when they should be current. Some of the mortgages are 20k-30k less and they are still reporting higher debt amounts. They are also not reporting payoffs. Which increases my debt to income ratio lowering my credit score. They need to update credit reports more diligently and accurately. Their process of updating is just too delayed, making it impossible for people to have positive credit ratings. While one credit agency is reporting a high credit score. XXXX  and Transunion are continuously stagnated on the same score for over years. This needs to change! They need to value families more and be more diligent in the services they are providing. 

Credit is very important to be able to have purchasing power. At the moment I have to rely on old information they still have archived on my credit report. Many of them from decades ago declining my opportunities.
Product: Money transfer, virtual currency, or money service

Found a post on XXXX selling XXXX XXXX. It was from a reputable breeder that I had been aware of for several years. I contacted them through XXXX XXXX and we chatted extensively for several days to secure the transaction. On XXXX I sent them XXXX $ to process paperwork transfer of the cat in the XXXX  ( association of cat breeders ). From their name to mine. On XXXX, I sent them {$820.00} to complete the sale and pay for the transportation of the cat from Alabama to Alaska. On the evening of XXXX, not even 4 hours after sending the money, the scammer disappeared from XXXX completely. I could no longer message them, nor reach them with an Audio call. I came up with a phone number for the actual breeder that they were impersonating online from their website, and called there. She answered me back via text that she had no idea who I was. We chatted and I discovered that she had had nothing to do with this sale, did not have the cat in question, and that I had been scammed. She said she was aware of someone impersonating her and using her XXXX certificate from XXXX to do so. She had reported this to XXXX, but they had done nothing. I contacted my bank- where the funds had been transferred via Zelle, and disputed the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 15 U.S. Code 1681 section 602 A States I have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I am writing to formally demand that you cease and desist from [ specific activity, e.g., inaccurate reporting of my credit information, unauthorized credit inquiries, harassment related to debt collection, etc. ]. Your actions are in violation of [ applicable law, such as the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), or other applicable laws ].
Product: Credit card or prepaid card

So basically I was impacted by the pandemic and the credit card company chase agree to defer payments but without telling me Ill be paying interest after this was over. I was paying zero interest before and then all sudden without notice they charge me XXXX in interest charges! They never told me anything about this and if that was the case I would payed at least 80 percent of the balance so I wont get hit with a big interest charge.
Product: Debt collection

This company has called me XXXX times in XXXX minutes and no one is there when I answer. They are disrupting my work day in my office when I have clients at my desk. The last person I asked for a supervisor when I called them back and was told to F Off. I tried calling again and now have been on hold for XXXX minutes waiting on a supervisor to be told there are none and hung up on.
Product: Checking or savings account

on XX/XX/year> I purchased the television from XXXX XXXX with my PayPal debit card ending in XXXX # : XXXXXXXX XXXX was received missing many pieces nonfunctional paypal case # XXXX I reported to PayPal and disgusted with XXXX XXXX on XX/XX/XXXX the case was opened on PayPal the item was returned on XX/XX/XXXX XXXX XXXX XXXX PayPal repeated over XXXX weeks straight harassing me continuouslyasking repeatedly for information without it asking any specific information I received XXXX messages send us the information we need without any description I uploaded the tracking information XXXX times XXXX this is the tracking information So as I said this one on for months PayPal holding money making interests earnings continuously and I have not received my refund I contacted XXXX XXXX repeatedly I was told you and you open the case with PayPal you solve I spoke to PayPal XXXX different times it's a merry-go-round XXXX Information delays and tormenting
Product: Checking or savings account

I was sent a fake alter check that I had no idea that was fake or the person who sent the check was who they say they were. I was supposed to be an assistant to a so call professor at my school that has no exist whatsoever. I figured that out once the my college submit an email about phishing scams.I deposited {$400.00} check into my XXXX XXXX it was then deemed altered a couple days later after I sent the money to the so call organizer of an orphanage who is running scams. My well XXXX account said there was nothing they can do because it was transferred to another 3rd party. The money that was supposed to be cashed was supposedly supposed to go to an orphanage which is sadly a lie. I asked for a dispute and they said they found no evidence on cash app to dispute the transaction.
Product: Credit reporting or other personal consumer reports

my information has been part of a data breach. Information on my credit report is incorrect or not even mine. I cant get any proof that it belongs to me Or get inaccurate information removed because its tied to accounts that are not mine. Im going around in circles and they are violating numerous laws regarding this. I have only resided in 1 address I only have one name. i havent worked for all these companies balances account dont align with what i have. Somone is applying for alot of credit inquires and I am not. I have lived in corporate housing or hotels. no need to rent. I even lived out of the country for a span of time that some of these accounts were active.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 5,2017 I received an alert on my phone that XXXX XXXX reported my mortgage 30 days late. Which dropped my score 57pts. Made contact with Transunion and XXXX to conduct a dispute. They stated it was verified from XXXX XXXX as being reported correctly. I then made contact with XXXX XXXX they have nothing in the computer saying I was 30 days late. I asked XXXX and Transunion how did they verify this information. I have had this mortgage 4 yrs never once was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had one XXXX loan and I never be late for this account and it is only one account. 
In my XXXX credit report it's shows six accounts with same account number. Three of them shows late payment, three of theme without late payments. In some of them amount and balance is different. 
In my XXXX credit report it shows three same account, without late payments but amount and balance is different. 
In My Transunion credit report appears three of same account with late payments and amount and balance is different. 
In accordance Fair Credit Reporting Act everything must be 100 % accurate in my credit report and under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting a DELETED account from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REPAIRED the account listed below as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

My Chapter XXXX was discharged at the end of XXXX and I have made several attempts to dispute the accuracy of the account with the creditor and all three credit bureaus. The creditor will not update the account to reflect it is no longer an active account. Instead they keep updating my report with " redeemed repo '' as if it's a open account. I am on my 4th round of certified return receipt letters disputing and nothing has changed so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, Greetings! 
I have a XXXX XXXX App from where I first got Email notification regarding my recent Hard Inquiries on XX/XX/2023 : XXXX - 4 Hard Inquiries and on TransUnion - 1 Hard Inquiry. For this I called, XXXX and they advised me to get FTC Report, for that I went to XXXX XXXX Police Department and filed a complaint about these 5 Hard Inquiries which is absolutely a fraud activity on a single day ( XX/XX/2023 ). Upon inquiry, the Police Department, never provide any FTC Report and they were even unaware of it and this was the information initially provided by XXXX Representative when I called them on XX/XX/2023 ; however, the Police Department gave me the Complaint Number XXXX and asked me to call Credit Bureau and I called this morning ( XX/XX/2023 at XXXX AM ) to XXXX providing them with Police Complaint Number but they now saying to go online ( ftc.gov ) and print the submitted form and send us back along with the copy of my ID, SSN and a written letter. Meanwhile, I also received 1 Credit Card from the Citi Bank and its related to one of the fraud hard inquiry activity reported on XXXX which I never applied to. 

I, therefore, request you to provide me a FTC Report which I can forward and have them disputed from both Credit Bureau Agency ( XXXX and TransUnion ). Thanking You, Sincerely, XXXX XXXX
Product: Credit card or prepaid card

1.I have never had an account with this company REGIONS BANK , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are REGIONS BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Debt collection

Jefferson capital calls me every single day. I answer and no one is in the line. Finally I was called today and spoke to someone. I told the person multiple times that I do not consent to be recorded. Furthermore, I requested a letter in the amount of debt they claim I own. In addition, I told them that i was at work and it was not a good time to be called. The individual told me XXXX times on the phone at approximately XXXX XXXX ( Mountain time ) on XXXX XXXX, that he will be marking me down on my credit report that I wont be paying the debt. This is threatening dergoatory information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another attempt to inform the Credit Bureaus that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. My information has been exposed in the Equifax data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that have resulted due to identity theft. Please take a look at the following items and have them deleted from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX XXXX XX/XX/XXXXXXXX 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 I previously sent a dispute and complaint regardning this matter and requested that the Credit bureaus remove these items but upon checking my updated Credit Report, the Credit Bureaus have continued reporting these items. If the Credit bureaus believe that the disputed items belong to me, I require the Credit reporting agencies to send me copies of proof of verification to support their claims, wihout these documents, immediate deletion of the disputed items will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX JEWELERS - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX  Account Name : XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX XXXX - Account Number XXXX XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I received a call from Citicards about my account. I logged in online and saw that the autopay on my account had stopped and therefore no payment was taken and a late fee was charged. I paid the outstanding balance, and re-enrolled in auto pay. I asked for the late fee to be waived because I never requested that auto-pay stop, and I could not find any notice received that auto pay had been removed. Nothing changed with my bank information, and the other credit card on the account was still enrolled in autopay successfully. 

My request to have the late fee removed was declined. This outcome is unacceptable to me as I was enrolled to have my account paid automatically in good faith.
Product: Debt collection

On XX/XX/2023, a representative called and left a voicemail about a business matter with Pro Collect Inc. ( PCI ). The representative left a voicemail at XXXXXXXX XXXX The representative then called my mother 's cellular phone number ( unauthorized ). My mother gave me the message and so I called Pro Collect Inc and spoke with XXXX XXXX. She said that she was from PCI and that she was calling in reference to a matter involving a debt owed to XXXX XXXX XXXX XXXX. I explained to her that I had been waiting on XXXX XXXX to send the final ledger and that I had not received one. XXXX XXXX informed me that a letter was sent out to me back in XXXX. I told her that I had not received the letter. She then verified the address as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 

I explained to her that I had not been at that address in five years-six years and that XXXX XXXX should've had my updated address already. She then asked me for my current address. I gave her my address and informed her that the correct address was updated on the vacate notice form completed in XXXX. In light of that clerical error, I told XXXX XXXX that based on the law, I was not notified even though the client had the correct address. I even offered to send them proof of the signed form via email. I then asked if they could give me until the XXXX of XXXX to take care of the matter in light of them being given the wrong address by the client. She informed no and said that I needed to pay the balance by the XXXX to prevent the balance from being reported to the credit bureaus. I explained to her the unfairness of this. I then asked to speak to a supervisor. She said that this was not a supervisor matter. She said I needed to pay the {$800.00} to avoid credit reporting. 

I then called back and asked for a supervisor. I was transferred to XXXX XXXX. XXXX XXXX wouldn't let me explain and profusely kept cutting me off even when I explained to her that they had to validate the debt in writing. I told her I wasn't paying anything until I was sent something in writing. After all, I don't know if this company is even a legitimate one based on the level of professionalism. I spoke to XXXX XXXX several times and she also kept cutting me off midsentence which was very frustrating. 

I have no problem with paying what I owe. I just would like to validate what is owed as that is my right as a consumer. To be quite honest, with the level of professionalism, disrespect, laissez-faire attitude, and disregard for fair and honest debt collection practices, I don't feel comfortable doing business with this company. I will probably deal directly with XXXX XXXX moving forward as it seems as though I can't even get a final ledger from this company. I've received no written communication from them prior to them reporting to credit bureau.
Product: Debt collection

i have no knowledge of ever taking out a XXXX XXXX XXXX  loan for XXXX dollars i requested information and havent received anything
Product: Mortgage

In XX/XX/XXXX I entered into a trial loan modification agreement with XXXX XXXX. They had just purchased the loan a few months prior from XXXX XXXX. At the time, I was in the middle of a forbearance with XXXX which was at a standstill due to XXXX backup. I successfully completed the trial and was approved for the modification in XX/XX/XXXX and given a new payment amount. I've been making the required monthly payments since that time, however, my account online and with the credit reporting agencies show me significantly behind and inaccurate account balances. I disputed the information with the credit reporting agencies, and XXXX removed the account from my credit report. I am awaiting a response from the other XXXX. I've called numerous times to inquire about the delay, and I'm always told everything is complete on their end, however the " investor '' has to complete their part. I gather it's the entity hoping I default on my agreement so that they can benefit from the significant equity I currently have in the home. Also, the document reflecting the approved modification agreement is the only document missing from my document center online. Luckily, I had the foresight to request the document via email after several times I was told it was in the mail and I never received the hard copy. A couple days ago I called and stated I was getting an attorney involved due to the harm they are inflicting on my credit history, and today I received an email stating the modification is complete as of XX/XX/XXXX - today. This is contrary to what I've been told since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n Accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX XXXX  account # XXXX has violated my rights. 
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