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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company PMT Solutions LLC ( Washington State License UBI XXXX ) has incorrectly tried to collect debt and fees for a disputed fine made in allegation to a XXXX Municipal Court parking ticket against a vehicle. ( WA LIC # XXXX ) In addition to the fraud that they have committed on incorrectly saying that I have a debt associated with their offices for this infraction which is currently under litigation, they have harassed me nonstop with a total of 3 mail articles, over 15 phone calls, and 2 emails about this fraudulent debt they have tried to collect which I have no association with. 

I have asked to be placed on a do not call list when they called me on XX/XX/2021. They have since called me three times. I have also publically disclosed on their XXXX business profile that they are not to contact me or my family which they have violated, and harassed us against our wishes. Their owner XXXX XXXX has led this company as a thug and she should be fined for the calls that she placed against me because they not only hurt XXXX XXXX, they also caused me extreme XXXX which I have sought counseling and counsel for. Her practices as an owner here in Washington state should not be stood for and her license to do business here should be revoked. 

For resolution, in this case, I would like her business to be fined for the three times her business has harassed me, her business license to be revoked, and for XXXX XXXX to never be allowed to hold a business license in the state of Washington again. Her malpractice of buying and trying to collect a debt that is still in litigation is extremely out of the ordinary, illegal, and to be quite honest, disgusting. Citizens in Washington state should no longer be able to be harassed by this thug XXXX and her band of collectors who do not follow FTC fair consumer debt collection practices. 

Thank you for your time and effort, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX BLAZE, has violated my rights. 

In Accordance with the Fair Credit Reporting act, FIRST XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX / XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX has violated my rights.

In XXXX  with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, BANK XXXX XXXX A, has violated my rights. 

In Accordance with the Fair Credit Reporting act, BANK XXXX XXXX, has violated my rights. 

In XXXX with the Fair Credit Reporting act, XXXX XXXX has violated my rights. 

In XXXX with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In XXXX with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX BANK SELF LENDER, has violated my rights. 

In XXXX with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 


XXXX XXXX XXXX Section XXXX A. STATES I have a right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

My identification card was stolen and someone got a credit card in my name now I have a credit card debt on my credit report and unlimited calls from debt collectors
Product: Credit card

My {$3200.00} flight ( ticket purchased XX/XX/XXXX for a flight XX/XX/XXXX ) was cancelled by an airline, and the airline told me there was nothing they could do to refund me and they are no longer responding to my inquiries. I called Bank of America on XX/XX/XXXX, and a customer service agent there helped me file a dispute. This agent told me I had up to 1 year from time of purchase to file a dispute, so my filing was right at this deadline. I mailed in all the supporting documents from the airline to their dispute office. On XX/XX/XXXX I received a message from Bank of America saying my claim was denied because it was filed after their 60 day dispute window ( which conflicted with the timeline the previous agent provided ). I have since had a nightmare experience with Bank of America trying to sort this issue out, and they claim there is nothing they can do now that the case has been denied. I am out {$3200.00} and everyone involved claims theres nothing they can do about it.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied for Sams business credit card with my EiN number in my business name XXXX XXXX XXXX XXXX i was approved with a XXXX credit limit. I recieved the credit card with my name twice on the card not my busin SS name and not link to my Sams plus membership I had since XXXX I have tried to fix this several times to no avail. I received a letter reducing my credit limit to XXXX and the customer service said due to adverse reasons. This is a business credit card I got XX/XX/XXXX I only used the card twice and the card was paid each month.Sams can not locate my account it gives them an error message when I swipe my card it says welcome XXXX? I can not access the account in portal it states it can not locate my credit card number. Synchrony bank is the issuer and have mess this account up big time. I number used my social security number I only used my ein number what adverse information on my business account? none. I can not access anything and the issuer of the card has not fixed this mistake I was told to fax a letter stating my business name and ein number to correct the information In there system I got no response until I called and no one has fixed my card name or credit limit to date. This is unethical business practices and I want it fixed Like I applied with my business name and XXXX credit limit.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.
Product: Credit reporting or other personal consumer reports

Transunion is absolutely ruining my life. They refuse to provide my credit report online, but they continue to drop my credit score by 30 points or more every month. Since XX/XX/2023, I have paid off ( 1 ) {$230000.00} mortgage account, ( 2 ) {$50000.00} home equity line of credit ; and ( 3 ) a personal loan for $ XXXX. However, TransUnion continues to drop my score. I called Transunion to tell them that I am suing a car dealer called XXXX for nearly $ XXXX in repair bills. XXXX committed fraud by signing documents on my behalf. The case is currently before a judge in XXXX XXXX, Florida. When I asked Transunion to investigate, they told me to go online and dispute it. I went online and was not able to dispute XXXX. I want to clear up discrepancies on my credit report, but Transunion is not providing me with the opportunity to do so. Please I need your assistance
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my report :
Product: Debt collection

Reference Case number : XXXX. 
Please note that I didn't have the collections letter when I opened the above case number so I'm resubmitting a new complaint to show you proof of being covered 100 % with XXXX XXXX. Below is the initial complaint... 

XXXX XXXX XXXX University XXXX XXXX department keeps harrassing me with a bill covered by CHARITY CARE 100 % after my XXXX KICKS ON. THIS HAS BEEN GOING ON FOR 2 years now for every medical AS THE BELOW EXAMPLE : AND IT'S EXHAUSTING DEALING WITH BILLING VIA CALLS & EMAILS. THEY ARE RUINING MY CREDIT, 2 Billing for XXXX XXXX XXXX and XXXX XXXX for XXXX # XXXX XXXX XXXX XXXX XXXX Some of your balance is in collections. Information You have accounts in collection. Please contact customer service to find out how to make payment arrangements. Overview Balances Amount Due {$28.00}
Product: Mortgage

On XXXX XXXX I submitted a personal check representing a significant principal amortization on my mortgage to my servicer, Mr. Cooper : the amount was approximately 2,000 less than the total principal due, prior to sending the check, I researched the bill and website to determine if they would accept a personal check for this large of an amount, there was no indication it was prohibited, however payoffs require a certified check ( which this was not ). Susequently the check was returned to me indicating that it was not acceptable as payoffs require certified funds, the amount was not a payoff, i subsequently contacted Mr , Cooper for an explanation. They indicated they did not accept personal checks for more than 90 % of the principal due, I asked where on the bill or website this policy was stated. The complaint department indicated it was not listed and kept referring to the policy on payoffs ( which this was not ). They provided me no satisfaction and now I am at risk of losing substantial gains from an unrelated financial transaction as I can not make res presentations that the mortgage has been paid down, Mr , Cooper has provided no solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I fill out the application for credit card and was denied because I have good credit. Sun, XXXX XXXX 2017,  american express denied me for credit card and place an hard inquiry to my credit report which lower my chances to reapply and get approve.
Product: Checking or savings account

And XXXX maybe XXXX. XXXX I received correspondence to the mail from Wells Fargo and somehow my XXXX XXXX unless you maybe do the paperwork in the trash or something nice call me back could they return it they was reference what copies of it or it was reference to the mortgage just wants to something that was added to my account and said I'm going to say it wasn't current but severa years l ago. This document was to inform me of a possible error in an induction for mortgage insurance once I believe and and I also received paperwork asking me that I want to immediate a mediation appointment. I need this copy of this letter since I have lost mine and so that I mean attached appropriate response to these questions
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian Monday XX/XX/XXXX about an address on my report that I never lived at.I was told that they couldn't delete the address because a creditor said I had a delinquent account from that address.I asked how was my information verified and she told me the law says they don't have to verify information anymore and I should file a police report and contact the creditor.
Product: Debt collection

Lake City / XXXX are continuing to attempt to collect a debt that is not owed by me. The debt is erroneous and fraud. They have claimed to validated these alleged debt. They have skipped traced and received my current address. However the address listed on the debt was never my address ... the fraudulent bank account documents they also included are also unknown. In addition, the credit bureaus and LAKE CITY/ XXXX  have been provided with the police and affidavit that was required. I do not owe and have never owed said companies listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 more then 48 times nonstop this is exhausting 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 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting

This specific XXXX/XXXX ( Account # XXXX ) credit limit of {$500.00} was once deleted on all three credit reports ( XXXX, equifax & XXXX ) and now i see that they are back. Please delete This specific XXXX/XXXX ( Account # XXXX ) from all three bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having This specific XXXX/XXXX ( Account # XXXX ) removed from all three credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!
Product: Student loan

they call me 9-12 times a day 7 days a week up to XXXX even weekends and holidays it feels like harassment because I can't pay my loan back I have XXXX and XXXX and choose not to try for XXXX as I would probably be denied. I try to work but have a very unstable work history due to my conditions.and they keep telling me I have to be XXXX in debt or make these unreasonable payments or keep accumulating interest on this loan that I will never be able to pay. I have asked them to limit their calls and robot calls to me me but it continues from XXXX to XXXX 9 to 12 times a day. This is very stressful to me and is destroying my credit making it impossible for me to make my already difficult due to health reasons impossible. I understand I owe them money and they want it but calling me 12 times a day is not gon na fix my health condition it actually makes it worse and harder to not stress and makes the working condition worse. I need some serious help with this. They have called 3 times in the time it took to get this far on this complaint. XXXX from Navient has let 3 messages/ I do not have the money to pay and deferment just keeps making the debt bigger not helping me as my XXXX aren't going away only getting worse and can work less and less.
Product: Debt collection

XXXX XXXX Services or XXXX ( XXXX ) continues to contact me at my office, involving my boss and co-workers in this fraudulent attempt to collect a debt. I have asked them REPEATEDLY to stop calling my office and only to contact me via XXXX Mail. The last call was on XXXX @ XXXX.
Product: Vehicle loan or lease

Today XX/XX/XXXX I received a call from Westlake Financial Services that they had taken over my loan from XXXX XXXX XXXX. I had received no prior notice giving me any time to refinance my loan thru another company as I do not want to do business with Westlake. I do not want to have my loan via a company that has had multiple lawsuits against them for deceitful lending practices as well as other concerning things like their deceitful debt collecting tactics. One of the lawsuits just ran out on XX/XX/XXXX for consumers to file against them. Which is very curious as to their take over 5 days later and makes me wonder if this is why there was no prior notice. I talked to Westlake and they could give me no information other than it was a " business decision '' and to talk to XXXX. Which every number i have tried for them goes to a generic voicemail. This seems very off to me and I would like time to find another lender for my loan. However I have a payment due in 7 days and I do not want to go thru Westlake. I feel this was done in a very unprofessional way and illegally as there was no notice of this takeover. And i have received nothing from either company with any of the details of my account or anything else. Yet Westlake expects me to just make my payment to them next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking for a investigation on my credit file I am a victim of identity theft and asked the credit bureau to place a extended fraud alert on my credit file along with my phone number before extending any credit in my name because my identity was stolen so I was asked by my counsel to file a complaint before moving forward. Thanks in advance