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

I have been working on getting my credit corrected and every time you call they tell you something different I can never understand what they are saying you send all the police report and documents they ask for on dispute something and when you ask about it they tell u they dont have it I had several reps hung up on the phone call and continue to put me on hold no one should be able to do this that has control of important information you tell them you speak XXXX and nobody you talk to speak clear XXXX it is so stressful doing all you can and the credit reporting company allows this with Covid-19 taking over it has been hard on the world and it needs to stop this company needs to be investigated on how the credit reporting is being done
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a open complaint that hasnt been resolve yet. Per complaint I disputed with the three bureaus and instead of them removing the closed account off my consumer report because 1 ) I dont owe or never have dealings with XXXX XXXX XXXX  2 ) How did they get my SSN 3 ) The debt was never verified 4 ) The company refuse to verified the debt showing any contracts, proof or anything and hung up on my face.

5 ) I never gave permission for this to be added to my report.

6 ) Even if the debt was mine, which it is not how can something be charge off at 30 days.

They raised the balance AND place a false remark saying natural disaster. What natural disaster? They cant even verify this account theirselves
Product: Debt collection

A lien was placed on my property after a discharged Bankruptcy preventing me from moving forward. I was never notified of this lien. The Bankruptcy was discharged a few years ago and the file has since been deleted with the company yet they refuse to acknowledge the fact that I need the lien removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling Transunion to dispute inquiries and they directed me your way.
Product: Debt collection

Last week of XXXXXXXX XXXX  my XXXX and I were finalizing paperwork in order to close on our first home. During that week we went to XXXX XXXX XXXX ( XXXX ) and purchased a refrigerator online and though AFFIRM Financing. Delivery date was to be on Saturday, XX/XX/2022. Several days later we called local lowes her in XXXX Oklahoma to cancel order for we found another refrigerator from a different competitor. On XX/XX/XXXX around XXXX I recieved a call from XXXX XXXX that they were enroute to deliver refrigerator!! I told them that the order had been cancel, I also explained that the residence was vacant due to delayed Closing on house and that we had bought another refrigerator elsewhere. Delivery driver stated that they would take care of it. 
About 45 days later now in late Month of XXXX I started receiving calls from AFFIRM Financing regarding missed payment for loan. I explained to them we did NOT receive product and explain to them the above situation that happen. I filed a formal complaint with AFFIRM in XXXX where they stated they will reach out to me in 3 to 5 days and it may take several weeks for them to investigate. I heard nothing from them only have them close out case with NO response. I submitted documents at their request as well. They continued to several times a month at each time I filed complaint for them to investigate. Each time they closed case without follow up. They told me to work with XXXX to find out problem. XXXX only told me to work with Affirm. I have been to XXXX several times to retrieve whatever documents they had of delivery. They stated from there end that Product was DELIVERED!! When I ask for signature confirmation, they had none and stated the delivery service was a sub-contractor. 
After much frustration I was finally able to talk to a XXXX at AFFIRM in late XX/XX/2022. Take also into account Affirm had already reported to Credit Agency and placed collection with credit Agency. The XXXX stated he would expedite the case and have decision. He closed this case in short time 36 hours when he stated investigation would take 15 days. 
I am being forced to take on a Debt for item I NEVER received and little help has been made to rectify this. There is NO sign confirmation of delivery nor item of delivery.
Product: Student loan

Currently my student loans report that I have over seven late payments during the XX/XX/XXXX-XX/XX/XXXX time period however they have been in good standing since the end of XX/XX/XXXX. This reporting on late payments is negatively impacting my credit score and is enabling me from obtaining a mortgage. I have emailed the CEO of Navient about the issue as of XX/XX/XXXX and have yet to receive a response or resolution on this issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed TransUnion a letter via USPS certified mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX disputing several negative items, including a bankruptcy that contains discrepancies and incorrect personal information appearing on my credit report. I included all necessary documents to verify my identity, including my government-issued ID, Social Security card , and proof of address, to ensure they could conduct a proper investigation. 
Per the Fair Credit Reporting Act ( FCRA ), TransUnion had 30 days to investigate and respond to my dispute. However, over 30 days passed without any response. Concerned about their lack of communication, I called TransUnion to follow up on the status of my dispute. During my first call, I was informed that a response would be mailed within 7 business days. This suggests that if I had not called, TransUnion may not have responded at all.

Unfortunately, 7 business days passed, and I did not receive any response. When I called TransUnion again, I was told that their response had been mailed, but it was sent to an address in Georgia, a state in which I have never resided. This is particularly troubling, as I had clearly provided my correct mailing address in my dispute letter, along with the necessary documentation to verify my identity. 
I am now concerned that my personal information, including my credit report, may have been sent to an incorrect address, putting me at risk of identity theft. Despite my efforts, TransUnion has neglected my request and mishandled my personal information. Their negligence and failure to respond within the required time frame, coupled with their sending my sensitive information to an incorrect address, is a clear violation of my consumer rights under the FCRA.
Product: Student loan

I was in the generation of kids who were told that getting college degrees would open the door to great paying jobs, so rack up all the student debt it takes cuz you can pay it off easily after you sort through your job offers. 
Maybe there was even a time that was true, but although the unpaid internship market is through the roof, the job market is XXXX and my degrees are not competitive. I tried so hard for so long ( 2.5 years ) to get work in my field while scrounging on XXXX, trying to land any job in any field, usually part time and/or seasonal. When offered a full time year round position, albeit for $ XXXX/hour XXXX hours/week, I took it and have given up on trying to get work in my field. 
I have about $ 300K in loans. My federal loans are fine because Income Based Repayment brings them down to $ XXXX/month- even though Navient tries their hardest to obscure that it 's an option, and wo n't even, insofar as I can tell, tell you how to apply for it. The bulk of the loans, however, are private Navient loans, and recourse is practically nonexistent. I ran up my forbearance time while un ( der ) employed ( paying {$150.00} each time- paying money to not pay money so I ultimately pay them more money? ), and then they set it to interest only payments, which still works out to over 100 % of my income. Every payment I 've ever made has been to reduce my delinquency. Now they 're saying that interest-only payments is another thing that runs out and soon they 're going to ask me for EVEN MORE money- presumably 200+ % of my paltry income. It 's not that I 'm unwilling to pay- I 've been trying to pay like 20+ % of my pathetic income toward it, occasionally jeopardizing my ability to pay for food, but at this point I think the smartest option would be just to let it go into collection cuz Massachusetts will only let them garnish 15 % of my wages.
Product: Debt collection

BULLCITY FINANCIAL SOLUTIONS ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX...... FALSELY ADDED A COLLECTIONA ACCOUNT FOR XXXX XXXX TO MY XXXX ( AND OTHERS ) CREDIT REPORT. THIS ACCOUNT IS NOT MINE AND I HAVE DISPUTED IT WITH XXXX, AFTER THEY " UPDATED '' THE DISPUTE WITH NO CHANGE I ALSO UPLOADED A COPY OF THE BILL WITH THE TRUE ACCOUNT HOLDERS NAME ( WHICH IS NOT MINE, CLOSE TO MINE NOR A RELATIVE OF MINE ) ALONG WITH A WRITTEN SIGNED STATEMENT THAT THIS IS NOT MY ACCOUNT NOR MY RESPONSIBILITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX Inquired on XX/XX/XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX  XXXX XXXX Inquired on XX/XX/XXXX  XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

I have a hard inquiry on my credit from XX/XX/year> from Citi Credit Cards. I have fraud alert on my credit and they never called me to confirm it was me filling out the application. I had to call 5 different numbers, and they are trying to tell me there are no applications in my name, even though their automated system recognizes my SSN and I've NEVER had a Citi card or submitted a citi application.

I want them to remove the hard inquiry on my credit as it's significantly impacting my score and they will not talk to me.
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. 

I feel i was negatively impacted by Equifax hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But i don't see any details about your investigation. 

Your company can be fined as well if information isn't provided. 

Please provide the details to investigation or remove from my report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I read about the Equifax data breach. When I went to their reporting website, I learned that my information had been grossly compromised. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Credit reporting or other personal consumer reports

I received an update about my dispute through the mail with my results from my " reinvestigation. '' Unfortunately, Transunion has violated the FCRA laws for credit reporting and sent a credit report stating that the item I disputed on my credit report was verified without providing the documentation given to them by XXXX XXXX : Account number : XXXX. I have everything I need to pursue legal recourse. In RICHARD V. FLEET BANK OF MASSACHUSETTS,190 F. SUPP. 2D 81 ( D. MASS. 2001 ). He stated that there was clear inaccuracies within his credit report and the credit reporting agencies failed to adhere to the laws by conducting a proper investigation. As a result the plaintiff sued and won. I have requested concrete documentation to represent the late payment history that is reporting in error and to my dismay, none has been provided. XXXX XXXX as well as Transunion have violated my rights. I have requested under FCRA 623 ( a ) ( 8 ) documentation provided directly from the credit furnisher to prove the late payment, none have been provided. I have requested a proper investigation according to 1681i procedures in case of disputed accuracy and this has not been conducted thoroughly which is a violation. The company is also in violation of 1666b which is under the fair credit billing act. I have requested the documentation provided by the creditor to verify this information in my file. In which I have not received and it has been over 30 days from the date of the credit reporting agency receiving my dispute. This is also a violation. The integrity of this credit bureau is questionable due to the many violations. I am requesting that this erroneous late payment be REMOVED from my credit report. Failure to do so will be breaking the law and I have everything time stamped through the CFPB to plead my case as well as the multiple letters that have been sent on my own behalf.
Product: Debt collection

XX/XX/2019 Midland contacted my work about a debt and spoke with my boss. Midland was told not to communicate with me as at the time I was represented by an attorney. They called my work on a recorded line and did not give proper disclosures. 

8 days later At XXXX XXXX someone named XXXX from Midland called a third party ( a family member ) regarding an alleged debt that they alleged to belong to me from XXXX to XXXX and did so on a recorded line, post revocation of consent to be contacted by telephone, and after it was known that I was represented by an attorney. 

Bottom line is my calls had been recorded without letting me know at the beginning, I kept getting calls after I asked them to stop, when I asked for calls to stop they contacted my family and recorded their calls too, I even told them at the time I was represented by an attorney and they continued to call. THEY ALSO CALLED ME AT WORK AND CAUSED A LOT OF PROBLEMS FOR ME. TOTAL HARASSMENT!
Product: Debt collection

Collection account from LVNV FUNDING LLC with account # XXXX and a balance of {$580.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX. 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
Product: Debt collection

on or around XXXX XXXX XXXX I received information from Wilbur & associates of impending action taken by them on behalf of XXXX XXXX insurance. I was informed I owed an outstanding debt in access of {$30000.00} for an accident from XXXX XXXX XXXX. After speaking with a customer service representive from wilbur & assoc. I felt I had no other alternative but to try and resolve this matter even though I am receiving a fixed income by way of XXXX. A total of {$780.00} was collected from this ordeal to date. I contacted the said company a couple of month 's later to inform them I could not afford to keep up with the payments of {$500.00} per month. I did not hear back from them until and after several attempts to remedy this situation. I finally spoke to a representative only to inform me the agreed amount and my subsequent money was suspended/deleted temporarily to which I asked about and possibly returning it to me. In addition I informed the associate that their company should reach out to the company for such an enormous amount since it was in fact an insured company vehicle. I was told that I should retrieve it from the employer at the time in which " I responded I did not give it to them '' your company should refund the collected amount. I have not heard back nor received any contact since.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Account number XXXX, Date opened XX/XX/2022, XXXX XXXX Account number XXXX, Date opened XX/XX/2022. Please provide proof of how you investigated these accounts belong to me.I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

My Opt Out Notice I am writing to formally request the cessation of any and all authorizations that I may have provided to your agency, whether verbally, non-verbally, written, or unwritten, in accordance with the following regulations and acts : 16 CFR 313.7 15 USC 6801 - Protection of Nonpublic Personal Information The Privacy Act of 1974 Please ensure that my nonpublic personal information is protected and that no further use or disclosure of my information occurs without my explicit written consent. I trust that you will take the necessary steps to comply with these regulations and protect my privacy. 

Please confirm receipt of this letter and inform me of the actions taken in response to my request Furthermore please remove all personal information on my account along with non mailable address, phone numbers, emails. 

Current address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX please provide me who provided you with previous addresses and information.
Product: Prepaid card

Everything happened today XX/XX/year>. 
XX/XX/year> - purchased card XXXX tried adding to XXXX XXXX ( followed their website instructions ) which is why I bought the card. 
XX/XX/year> - it declined the card using wallet XX/XX/year>- declined card via settings XX/XX/year>- declined card via XXXX website XX/XX/year> - called the cards customer service Their response my browser was not supported XX/XX/year> - called XXXX they were on the phone with me for XXXX minutes trying to help me their answer was its the card issuer not releasing my own funds. 
XX/XX/year> - called the card customer service again this time they said I cant use this card with XXXX wallet. I asked where does it say that? It does not state that on the card packaging. 
XX/XX/year> - I gave up trying to use it for the reason I purchased it for XXXX, apps ect, which made me despondent and just absolutely depleted. 
XX/XX/year> - I then tried using the card for XXXX and again it got declined on XXXX different devices. 
XX/XX/year> - called the card customer service yet again which their excuse to me now was they cant help me because their having technical difficulties. I purchased this card at XXXX pm I have been now dealing with this all day and its now XXXX pm with absolutely no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate personal information on my credit report. The address, phone number and multiple names are inaccurate. I provided them with the correct information and they have not updated it yet or removed the invalid information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S Code 1681B- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 
I, XXXX XXXX XXXX never gave Transunion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. Concerning the accounts listed below as a consumer, I am demanding a deletion of these accounts listed below :
Product: Debt collection

I reached out to XXXX agency debt consolidator to resolve my debt with J & L Teamworks who is a debt collector. When i sighed we agreed I would only pay {$2100.00} and pay {$150.00} a month to settle my debt and fix my credit. XXXX agency only had business with me for a short while, then transfer me over to another Consolidation company closer to me in California. I ask if my agreement of {$2100.00} would still be in place and my payments of {$150.00} per month would still apply and they said yes. After about XXXX years my balance went down to {$680.00} and I requested a payout. XXXX XXXX said it should not be a problem and reached out J & L Teamworks to settle. I waited awhile on the phone and when they returned they said that J & L Teamworks wanted {$7700.00} to settle and wanted to add XXXX other accounts to my balance. I said no. XXXX XXXX wanted me to sign a new contract to add the new balance and the XXXX other accounts, i said no. They said would I like to terminate my services till I have the funds to pay off the settlement and i said no I want to pay off the original agreement and they refuse to and hung up. When i got a statement the next month they add {$7700.00} to the balance and added the XXXX other accounts. I felt my first amendment right were violated. XXXX then sent me an email stating that i have been paying on the account I never agreed to and sending me false statements every month.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act at XXXX AccounXXXX XXXX XXXX has violated my rights. 

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

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

15 USC1666B : A creditor may not treat a payemnt as an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquires are reporting on my credit report from XXXX, Transunion, XXXX, and from the companies listed below. The fraudulent inquires are damaging my personal credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX