23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from Performant ( phone number XXXX ) on my cell phone at XXXX on XXXX/XXXX/16. He requested I provide personal information, at which point I said I do not give out personal information to someone I do n't know. He listed off my address which I verified, and then he requested my date of birth, to which I again replied that I do not give out my personal info to someone I do not know. I then stated that if there is personal business they have with me, to mail me some documentation and I would respond accordingly. He said " OK Have a great day '' and hung up. 

9 minutes later, I was forwarded a call on my business phone from a coworker from the same exact person. He once again asked for me, at which point I interrupted him and told him that we had just spoken and that he needed to mail me some documentation before I would give out any personal information. I also told him that if I receive any more calls prior to receiving documentation, I would be getting my attorney involved. 

I have no idea what kind of debt they are trying to collect on. I was n't even mad after the first call. What I became upset about is the fact that I informed the gentleman that I needed documentation before I could respond to anything, and less than 10 minutes later, the SAME PERSON is calling again on a different phone number. That, to me, constitutes as harassment. And considering I have no idea what this company is trying to collect, it is very upsetting that they would not honor a simple request of sending me something in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My initial identity theft report and was filed on XX/XX/2019. Report number XXXX. XXXX XXXX reported those items but, has yet to remove the inquires that came with those fraudulent accounts. Experian has removed everything. XXXX  has yet to address the matter. The only update was a generic response, that they were investigating the matter and needed more time. 

Now after I filed the initial complaint and the items were removed by transunion and experian. I have 3 new accounts that weren't showing on my credit report and wasn't included in the initial report, because of that fact. On XX/XX/2019 I had 3 accounts, that I have no knowledge of and they are as follows : XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I am at a lost for words, I have a Fraud Alert on my credit file and yet and still the bureaus are reporting these fraudulent accounts to my credit file. Without as much as a phone call or email to ask me, the consumer if in fact these are my accounts or a part of the identity theft.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I've never taken a loan out with Cashnetusa and its on my report that it's in collections. how can something I never took out with a company be sent to collections? I believe this is a scam and want something done about it please please email me back asap
Product: Credit reporting or other personal consumer reports

Incorrect credit payments and late fee on account when no funds is past due and account is paid in full
Product: Debt collection

I was adversely affected by COVID-19 pandemic and arranged with SOFI lending a forbearance program and was told it would not affect my credit. I have been reported late 2 times by this lender to the credit bureaus adversely affecting my credit scores. I disputed the late payments but they were upheld by XXXX.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting back my money. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have identified several items on my credit report that I do not recognize. These accounts appear to have been opened without my authorization, indicating potential identity theft. I previously reported this issue and now request the immediate removal of these unauthorized accounts from my report.

These accounts are causing me significant distress as they misrepresent my credit history and financial management. Resolving this matter has been a lengthy and challenging process. If the issue is not addressed promptly, I am prepared to take legal action to protect my rights and ensure a resolution. 

The presence of these erroneous items is severely impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I trust that this matter can be resolved quickly to restore the accuracy of my credit report. 

Thank you for your immediate attention to this matter. Please let me know if additional documentation is needed.
Product: Mortgage

To whom it may concern, I begging to help me with this issue as i am afraid to loose my house. I've submitted numerous applications to Planet Home Lending. This line of credit was taken out without my consent i was not aware of them. They actually did not appeared until recently and now they are trying to foreclosed. This is a second loan line of credit I owe XXXX on my first loan and just recently solved me past due with them as well. Planet Home Lending has never tried to assist me in anyway. I feel discriminated by them many times I told them that i was not aware of this loan they refuse to show me proof and even thou I am trying to solve this matter now they are trying to take my only home.
Product: Payday loan, title loan, or personal loan

The only would allow one gap company and when the vehicle was totaled and credit acceptance didnt allow the gap company pay off the complete remaining amount and did not notify me of the difference and drop my credit score and it is preventing me from getting a new car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I contacted SYNCB/XXXX ( XXXX XXXX XXXX XXXX, FL XXXX ) three times to dispute their fraudulent tradeline on my credit report. I also disputed with the credit bureaus. They haven't remove the tradeline. Because this issue is damaging my credit rating I offer SYNCB/XXXX a payment of {$750.00} to settle the account but they didn't accept. At this point I need help from your agency to help me remove this unknown tradeline from this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Subject : Request for Account Information Dear XXXX XXXX, I hope this letter finds you well. I am writing regarding my closed account with your institution. Please note that I am not disputing the account ; I am simply requesting some key details for my records. 

Specifically, I would appreciate it if you could provide me with the following information : 1. The date of first delinquency on the account.

2. The date of my last payment on the account.

3. The date the account was charged off. 

I kindly request that you provide this information at your earliest convenience. If any additional steps are required on my end, please let me know. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Clied another while working on another, ITS THE SAME THING, EXPERIAN HAS STOLEN NOW ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX
Product: Credit reporting or other personal consumer reports

I noticed on my cards they started all getting decreased. This has happened to other people. I paid my cards on time and actually paid them off multiple times. Ive used my credit in good faith. Why am I being punished with constant decreases from the credit card companies making it look like I hit my limit when in fact, I did not have plenty of funds on the card. If I wouldve known this, I wouldve never used as much credit as I did Now my credit score has been affected because the credit company is providing information to the credit card companies without my permission. I only gave them permission to initially run my credit to get the cards not to run it whenever they feel like it and provide information to thosecard companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY XXXX the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need this account deleted or updated. 
This is the item I demanding to be deleted immediately : XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX, XXXX, & Experian about information being reported on my credit that is not mine. I also spoke with my local court who informed me that they did not report a bankruptcy or any other information about me to the credit bureaus or anyone else. I don't feel as if they should be able to report inaccurate unverified information about me that is tarnishing my credit. I want this issue resolved immediately.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint i filed last 15 days ago I noticed some late payments/inaccurate information posted on my consumer report : XXXXXXXX XXXX XXXXXXXX Balance {$3800.00} XXXX XXXX Balance {$15000.00}
Product: Credit reporting

Transunion, I disputed XXXX as my XXXX account was paid in full. Two days later, their investigation was complete with " No Change ''. Quick response, I questioned if they even checked the account. I then called Transunion and disputed it again. Result, " No Change ''. So, I contacted XXXX & faxed a document to Transunion that showed two XXXX ) " If I did not pay in full, I would be subject to collections ''. 2 ) My balance with XXXX was {$1000.00}, this same document showed {$1000.00} was paid in full. Result, " No Change ''!!! I call Transunion asking what more can I do to get this issue corrected? They proceed to tell me that I should send in more documents! I asked, " What more is there to send in when I had already sent in the receipt showing this account was paid ''? He told me it was up to XXXX to correct this issue. I asked him " Why is it that whatever XXXX XXXX says, it 's the gospel truth ''? Where are my rights as a consumer? My XXXX account was paid in full. All my payments were paid to XXXX. Once again, I was told to send more documents in. I gave up at this point. This has kept me from refinancing my car to a lower interest rate. I am so frustrated!!! Thank you for your assistance. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When i went to apply for a car XX/XX/2021 the company told me that they were only gone run my credit for one place and they ran it for numerous of loan places which caused my credit to go down badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax were contacted to dispute a negative reporting on my credit report. When they investigated they affirmed the negative report based on the collection agency 's affirmation that it was correct. According to the client of the collection agency it was a mistake on their part and was erroneous. You can not personally contact a credit agency to correct errors. It becomes a loop of non-contact with you continuously providing your social, address, date of birth and every time you do you expose yourself to identify theft. This must change and there must be a fair way to handle this.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax took more than 30 days with my disputes they did not investagate anything or update me
Product: Credit card or prepaid card

On XX/XX/2021 my cash app cash card was charged {$100.00} at a XXXX  store in XXXX, Ma. Oddly enough cash app failed to notify me of this charge and only this charge. I always receive and email within minutes of my card being used. Im not sure how XXXX  authorized this charge because my husband has the card in his possession in Montana. There is no way anyone in Ma could have my physical card yet it was used for an in store purchase. XXXX has said they can not assist me. Cash app states I need to wait to see if they can assist me and cant explain why I wasnt notified of the charge immediately as I always am for charges. None of this makes any sense.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Experian are reporting an unverifiable bankruptcy on my credit report. On XX/XX/year>, I spoke with a representative at XXXX and they confirmed I have NO bankruptcy on file. I would like each credit reporting agency to remove this bankruptcy from my report immediately. I have letters from the United States Bankruptcy Court and from PACER that they do not report to credit reporting agencies. There is no way for XXXX, XXXX, Experian, or XXXX to verify this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$370.00}
Product: Debt collection

I received a phone call from XXXX XXXX from Credit Corp Solutions Inc. ( Also licensed in certain jurisdictions as Tasman Credit Corp and Tasman Credit ) from XXXX Utah. XXXX said if I did n't pay the debt I owed he would refer me to their pre legal or legal department. Pasted below is the email Dear XXXX XXXX, Attached is the Validation Notice for the XXXX XXXX account which was mailed to you. 
I have also attached the statements we have received from XXXX XXXX. 

The account has an outstanding balance of {$3200.00} Due to non-payment this account has been reviewed and has been flagged to be forwarded to our Pre-Legal Department. 
I have a limited time to work with you to attempt to understand your capacity and intentions towards resolving this account before making a determination as to whether your account should be escalated to our Pre-Legal Department. 

As I had discussed with you earlier today your account has been flagged to move forward through the collections process. I have a short time to work with you to prevent this from moving further. 
Today I will be in the office until XXXX MST or XXXX EST. 
I can be reached directly at XXXX or toll free at : XXXX ext XXXX. 
Our website is www.creditcorpsolutionsinc.com. 



Yours faithfully, XXXX XXXX Customer Relationship Manager Credit Corp Solutions Inc . 

( Also licensed in certain jurisdictions as Tasman Credit Corp and Tasman Credit ) Tel : XXXX DL : XXXX Fax : XXXX As you can see XXXX XXXX has threatened to refer me to his prelegal department in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I relieved a letter today from XXXX XXXX XXXX XXXX XXXX, dated XX/XX/17, stating my recent application for a XXXX XXXX XXXX XXXX credit card, which is issued by XXXX XXXX XXXX XXXX XXXXk, was denied. The problem is I have never filled out an application for this credit card, or any other credit card for that matter. I never authorized anybody to run my credit score, nor did I ever fill out any applications from wells Fargo bank. 
The credit agency that ran my credit without my approval is XXXX.
Product: Debt collection

AARGON IS NOW SUBJECT TO A CLASS ACTION EFFORT! XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CLASS. COLLECTOR BREAK ALL CONSUMER LAWS IN THE BOOK, ESPECIALLY THE '' DOOD FRANK WALL STREET REFORM AND CONUMER PROTECTION ACT '' TITLE X.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX' continues to report inaccurate information to XXXX, TRANSUNION, AND XXXX even after I sent them my dispute letter. It has now been far past the 30 days that they had under the FCRA to respond or delete this entry. 

As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the Affadait as well as a copy of the initial dispute letter that I sent to XXXX XXXX

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been 30 days and XXXX TRANSUNION XXXX are in violation of this law because I am a victim of identity theft!! 

This account should not be furnished on my consumer report as they are in VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Product: Credit card or prepaid card

Someone else had the card I never used it and I told the card company but they said it wasn't true
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX, XXXX, XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, WI XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, WI XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX account was settled on XX/XX/XXXX due to the bank not closing out my account in XXXX of XXXX as I requested on a recorded phone call despite me thinking that they had fulfilled my request. Due to this error on the representative part, an autopay charge had gone through on the account and was collecting interest unbeknownst to me as I had believed the account was closed. I currently have open cases to remove this negative mark as a whole from my credit report as this was due to XXXX XXXX 's incompetence. However, until this gets resolved I am requesting that the incorrect late payment marks XXXX for XXXX as there are no outstanding payments or late payments for this year. 

Additionally, the XXXX inquiry should be removed as it has been XXXX  years.
Product: Debt collection

I closed my account with XXXX XXXX in XXXX 2014. The effective date in my cancellation confirmation email was XXXX XXXX, 2014. Disconnect Order Number : XXXX. They continued to bill me for XXXX months after the fact ( XX/XX/XXXX and XX/XX/XXXX ). I confirmed with XXXX that my account was paid off in full when I canceled the account for XX/XX/XXXX. I just received a call from debt collectors today without any prior notice and they refused to let me speak with someone to XXXX to dispute the claim.