23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has two collections listed on my credit file stating I owe {$790.00} and {$780.00} which is false, I requested validation and nothing has been sent and I dispute and no resolution. Please help
Product: Money transfer, virtual currency, or money service

I faxed personal information regarding a loan forgiveness consolidation program on XX/XX/2020. They also charged me a fee to consolidate my student loans of XXXX and they asked for my account information that way they could directly take the money out of my account each month. I have been in contact with them over the last several weeks asking if they ever received my faxed paperwork with my personal information for doing the loan forgiveness program. they told me they never received it and the fax number that i sent it to was actually the department of education. The number that i faxed it to was on the paperwork that the company had provided to me. I even spoke with a supervisor to ask what would be done about them getting my paperwork and information. The supervisor told me that they would contact the department of education and ask them for the paperwork. That was over 2 weeks ago and no one has called me back to update me. I called them today and received the same answer that they were going to contact the department of education and get my paperwork from them. They said due to the coronavirus it might take sometime but i had processed my paperwork long before the spread of this virus. Also i always get the same answer that someone will contact me back and update me on the status of what's going on with my paperwork but no one is doing that. I have to call them only to find out that nothing is still being done on my account. The name of the company is clear start. They informed me that they are a third party company that helps students consolidate their student debt and can enroll them in a loan forgiveness program. You just have to pay them an upfront fee of XXXX for six months. They also said that they would contact my federal loan company directly to inform them that they have taken over my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX  sent letter for disputes, and called each company for unauthorized inquiries
Product: Credit reporting

Transunion fails to remove the XXXX XXXX XXXX account. Transunion reports incorrectly that XXXX XXXX XXXX is the owner of this account. Transunion reports incorrectly that this account has a balance {$7700.00}. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this account 's date of first delinquency. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Debt collection

I sent numerous emails with no response also talked to representative, telling me i need to fill out forms to get a credit they want me to prove where i live and send them proof, for at least the past XXXX yrs. they knew where to send billings in XXXX also the summer home was put on vacation mode every winter for XXXX yrs.also when I originally requested service I need to supply them with all types of personal proof plus SS. # I sold the property this past summer and returned their Equipt.They want me to supply them with infro. that they have already, their putting the burden on the customer to prove their nonsence I am not proficient on computers either, my summer home was in XXXX. my main residence is in XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I disputed verification of inaccurate accounts reporting on my credit report. I requested a description of the procedure the bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. I have not received any information regarding this information that was requested on XX/XX/24. I will attached my letter I sent and certification mail receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and the person who stole my identity was using my identity to get apartments and also try to get a loan in my name I was aware of the situation once an apartment complex said I owed them money for an apartment Ive never stayed in! I own a house as of XX/XX/XXXX. I have no reason to try to get an apartment! Its listed in my XXXX XXXX and XXXX  also as me trying to get an apartmentXX/XX/XXXX! I would like for all these inquiries to please be remove since it wasnt me who made these inquiries! I will attach driver license and police reports.
Product: Debt collection

ON XX/XX/2021 I NOTICED AN ACCOUNT ON MY CREDIT REPORT IN THE RESULT OF IDENTITY THEFT. I CONTACTED XXXX XXXX XXXX XXXX TO WARN THEM ABOUT THE FRAUDULENT ACTIVITY. THIS COMPANY FAILED TO INVESTIGATE AND PROVIDE ME WITH ANY AND ALL SUPPORTING ITEMS REPORTING INACCURATE AND FRAUDULENT INFORMATION ON MY CREDIT REPORT WHICH IS A COMPLETE VIOLATION. THIS ACCOUNT HAS NOW BEEN SENT TO A COLLECTIONS FOR DEBT THAT I DO NOT OWE BECAUSE OF THE LACK OF KNOWLEDGE, INTEGRITY, PROFESSIONALISM, AND BEING COMPLIANT AND REFUSING TO INVESTIGATE AT ALL. LEAVING ME TO HAVE A DAMAGED CREDIT REPORT FOR SERVICES I DID NOT OBTAIN
Product: Debt collection

I Started with freedom debt relief 2 1/2 years ago in 2019 I enroll XXXX 11 accounts in debt paying {$370.00} a month. I was recently offered A loan through XXXX XXXX which was misleading and confusing where they settled remaining 8 accounts in debts and paid a total of {$11000.00} for my accounts. After they settled all my accounts and finalize my loan they are now asking for XXXX To be paid in 48 months at {$500.00} a month. So almost 3 years later Im back at {$24000.00} in a loan debt for another four years. I am in the process of an attorney and I am also reporting this to the state attorneys office in the meantime my credit score has been damaged all this time and it seems it will be a long time before I can recover because I have refused to pay this amount. I have done some research and I have found XXXX XXXX  and FDR freedom debt relief Are indeed the same company and I have seen where they have also been sued for the same reason I need help to be able to move forward And stop these people from the continuous scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to reason with XXXX credit about my credit reporting, every time someone looks at my credit all other credit bureaus take XXXX maybe XXXX points off, XXXX XXXX XXXX points the minimum, I'm no understanding WHY??? I have called try to explain multiple times now since i made them mad they just took XXXX points and i was told because i Purchase a house and have a Morgage. REALLY???? I WAS TOLD TOO BAD BY THIS LADY " XXXX XXXX, JUST BECAUSE I HAVE A MORGAGE NOW I NEED TO BE PUNISH, NOPE DONT THINK SO First of all this is not a government entity and there for no they should not have my information don't care that someone invented to mess up with people 's life 's. NOT A GOVERMENT ENTITY
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing a collection from XXXX XXXX on my credit reports. It is for XXXX XXXX Apartments. I lived in the apartments in XXXX and did complete the terms of my lease. For some reason they decided to try to evict me in XXXX after I had already moved out years earlier. They tried to take me to court and it was dismissed because they did not show up. Noone has been able to show me any lease or anything that I signed past my initial lease in XXXX. I keep reporting it to the credit bureaus and nothing gets done with them either. I have sent the paperwork to all involved parties. They just now put it on my credit in XXXX like it is a new debt. I am being denied credit to move into a new apartment now because of this. My information has been involved in the data breach from the credit bureaus as well. Noone will do anything.
Product: Vehicle loan or lease

On XX/XX/XXXX I paid the balance in full to Hyundai Motor Finance for a XXXX XXXX XXXX. Every month starting in XXXX, XXXX, XXXX and XXXX I called to request a title and each time I was told " we have to email the finance department, we havent heard from them, this is odd that you havent got the title '' etc. Every time its the same excuse. 
Now I just got my CA vehicle registration and it still has Hyundai listed as the owner of the vehicle. I can not sell or trade in my vehicle without the title. 
Its been five months, my account is listed as " paid in full '' and " closed '' but Hyundai wont provide the title.
Product: Debt collection

COLLECTION MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Company has tried to receive collections from medical incident from years ago that was covered by insurance through an auto accident. Other person involved in accident had insurance cover for my medical but I cant find receipt nor will company locate it for me.
Product: Credit card

Take a look at the attached documents. I'm requesting the bureau to begin an investigation into these accounts, which are erroneously marking me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has wrong information on my credit I have disputed it and no positive outcome. Equifax has me locked I cant get credit with XXXX XXXX because when dish network runs my credit it asked to give questions and they push yes to the answer and the system says unable to verify consumers identity please try again in 24 hours and this has been going on since XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do thorough research an verification everything on my credit reports and they did states they verified it and I still found some inaccuracies after they did the thorough research. Still improper use of my credit report. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX .... 

XXXX XXXX XXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX .... 
XXXX XXXXXXXX .... 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Identification number XXXX Item name XXXX XXXX XXXX XXXX  XXXX Identification number XXXX Account name XXXX Account number XXXX XXXX. 
Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Account name XXXX Account number XXXX .... 
Account name XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX Account XXXX XXXX .... 
Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Account name XXXX XXXX XXXXXXXX Account number 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. 

Please see all credit report and screenshots proving that they did not do the full thorough verification report. you can see the inaccurate dates for date opened, inaccurate account numbers, and the date of last activity, and last reported is all inaccurate. Please remove from XXXX, XXXX and Transunion.
Product: Debt collection

Sold vehicle & license plate was stolen. Not my debt. Car is no longer in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX,, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Reported : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies listed below refuses to remove these inquiries from my credit report and they have the same address as well : XXXX XXXX XXXX XXXX  I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

These inquiries are the result of fraudulent activity and therefor inaccurate information in which the credit reporting agencies or creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XXXX. Thereafter a creditor that was included in my bankruptcy sold my debt to a debt collection company. This of course being a violation of Federal law. I alerted the debt collection company, the original debtor and XXXX, Transunion and XXXX. They investigated the claim simply updated the collection as being included in bankruptcy in XXXX but will not delete the illegal debt off my report. Despite the report stating included in bankruptcy in XXXX and the debt being reported in XX/XX/XXXX. I have tried and tried to point this out to XXXX  and they are either ignorant of the law or simply refusing to correct their error. Please intervene. I am trying to buy a home and this is destroying my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i sent in letters regarding inaccurate reporting false items on my credit report and i have not recieved a response yet i feel like im being ignored of my disputes. This deceptive practices by the bureaus.
Product: Debt collection

This account was paid in full as of XX/XX/2019. The credit report should be updated to read as closed and paid.
Product: Debt collection

Mid land funding failed to respond with adequate proof. I have requested verification of the amount stated i owe and I am only receiving documents that include a dollar amount only and not proof. This amount has been reaged and is not reporting accurately. The open date of this account is not correct. I am attaching supporting documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a problem with a late fee issue which was subsequently resolved. I received no notice of the resolution, so I called Wells Fargo. I was notified that the problem was resolved and I was made an offer to waive the last payment ( XX/XX/XXXX ). In this case, as with the last, I was not informed of any action in the matter. I called Wells Fargo back ( XX/XX/XXXX ) to follow up and I was informed that there was no case opened for the request. However, a case could be, and was opened. 

Since the original enquiry and the time of the follow up call, a payment was not made in anticipation that the final payment would be waived. In the interim, Wells Fargo reported the account delinquent. I feel that this is unfair since the problem originated with Wells Fargo.
Product: Credit card or prepaid card

I signed up for XXXX ads ( Account XXXX ) based on our business budget. Please see the Attached screenshot XXXX XXXX Agreement, as it says : Keeping with average daily spends of {$19.00} across all account, which fits our budget no more than {$600.00} per month. 

In XXXX, I was shocked by the amount automatically charged from my credit cards almost {$500.00} every 4-5 days. ( My normal XXXX Ad through this account is no more than {$60.00} per month ) I was charged {$2000.00} in XXXX alone on the card end with XXXX, plus {$1000.00} for just HALF MONTH on XXXX on the card end with XXXX. 

The details are as below : On card XXXX : {$500.00} on XX/XX/XXXX, {$500.00} on XX/XX/XXXX, {$500.00} on XXXX, {$500.00} on XXXX ( that is billed on XX/XX/XXXX, the last day of XXXX by XXXX ). 

On card XXXX : {$500.00} on XX/XX/XXXX, {$500.00} on XX/XX/XXXX. 

After a dispute, I received only the wrong charge on XX/XX/XXXX and XX/XX/XXXX, but not those on XX/XX/XXXX and XXXX, which is a total of {$1000.00} wrongful charge.
Product: Debt collection

They contact me all day Monday thru Sunday by phone email and text messages some time before my bill is due some text messages are inappropriate
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed the account shown below on my credit report reporting as a collection account owed. This is false and fraud. I do not owe this company any money. This company is reporting false information on my credit report. Upon checking the Consumer Financial Protection Bureau website I noticed that this company XXXX XXXX XXXX XXXX is in litigation for reporting false information on consumer credit reports. Attached is the article from this litigation. I have also reported this via complaint since Ive contacted you guys the credit bureaus more then 5 times on this matter and it is still falsely reporting on my credit report. This is affecting my credit history along with me purchasing my home. I do not owe this company any money. I paid this company the bill on the date it was owed before closing out my account with them. This information is also attached with the invoice of payment. This is in the amount of {$1700.00} which also was not even the last payment amount owed!! This company has violated the Fair Debt Collection Practices Act Section 312. This account is being falsely reported and is extremely misleading. XXXX XXXX XXXX XXXX XXXX XXXX company has directly violated law written by congress , please remove. Attached is also an article directly on this website CFPD talking about this companies false reporting tactics. Please delete this from my credit report. Ive been contacting this company along with the credit bureaus for 6 months now and nobody has responded to me or removed this false account.
Product: Credit reporting or other personal consumer reports

I'm reaching out with deep concern about two fraudulent XXXX XXXX accounts that have reappeared on my credit report, despite my previous efforts to have them removed due to identity theft. The details of these accounts are : XXXX XXXX Account Number : XXXX Balance : {$930.00} XXXX XXXX Account Number : XXXX Balance : {$460.00} Upon discovering these unauthorized accounts last year, I promptly disputed them with the credit bureaus and was under the impression they had been permanently removed. Their unexpected reappearance has severely impacted my credit standing and resurrected the XXXX  and stress of being a victim of identity theft.

The recurrence of this issue is immensely frustrating. As someone who values their financial health, it feels unjust to continually combat the effects of criminal actions that I had no part in.

I kindly request an immediate and thorough investigation into these accounts to ensure their permanent removal from my credit report. It is critical that my credit report accurately reflects my own financial behavior, and I rely on your agency to protect and uphold this right.

Thank you for your urgent attention to this matter. I hope we can swiftly rectify this situation to prevent any further disruptions to my financial well-being. 

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

Several creditors are committing fraud on my credit file.Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX, They have written and charged off debt as profit loss and got paid but they are still updating and reporting in my credit report which is fraud and a direct violation of the FCRA, I never received anything in writing me to pay. None of the creditors sent a 1099-C, This is fraud to place on my credit report and try to get paid again and keep updating my credit report monthly. I want all creditors got paid and that charged off profit to loss was paid as the creditors I want the closed accounts removed from ALL my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired credit repair.com in XXXX XXXX but I disputed items prior to hiring them and disputed the following item XXXX XXXX credit card, XXXX, and XXXX XXXX XXXX XXXX XXXX All the above sent me letters of confirmation that it will be removed. It was updated and removed also XXXX XXXX and XXXX XXXX XXXX but credit repair saying they did it and they lied to me
Product: Debt collection

this account does not belong to me. this account belongs to my ex husband or possibly identity theft. i have attempted to dispute this multiple times and the company has been extremely uncooperative. i would like this account deleted immediately.