23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dispute Date : XX/XX/24 XXXX account from CCS COLLECTIONS with account XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a balance of {$270.00}. The original creditor is XXXX XXXXXXXX XXXX. I never had a contract with this debt collector for any debt. Please provide valid proof that I currently owe this debt and that this debt collector currently has the legal authority to collect it or delete this account. 

Dispute Date : XX/XX/24 XXXX account from CREDIT COLLECTIONS with account XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX XXXX. I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide valid proof that I currently owe this debt and that this debt collector currently has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Also, this account is listed TWICE on my report causing me irreparable harm. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

Credit Collections is still incorrectly reporting that I have/had an account with them and a balance. There was never any validated proof sent to me that I owed them any debt, how I owed it, dates that it accrued or anything that substantiates that I owe them anything. This is having a heavy negative impact on my credit rating and must be removed as it is false information.
Product: Debt collection

XXXX XXXX XXXX is a third party debt collector and claim that I owe them {$11000.00} this is in fact inaccurate because XXXX credit system are a third party and not the original creditor and due to that it is inaccurate. I would like XXXX XXXX XXXX to stop reporting on my credit report I want to dispute this matter and remove them from reporting on my credit report.
Product: Credit reporting or other personal consumer reports

this company is reporting an incorrect account in my name because the debt was Paid and they have it in the collection and they do not report is closed satisfactorily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and the information on my credit reports are inaccurate. Hence why I would like to have the following accounts removed from my credit profile please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Equifax Security Breach - notified that my information was most likely affected.
I put a 90-day fraud alert on my credit activity with the 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX RE : INQUIRY REMOVAL Dear Sir or Madam, While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : May 23, 2021 I did not authorize anyone employed by these companies to view my credit report or make any injury to my credit score. I did NOT benefit from these inquiries on my credit report and I did NOT authorize these companies or TRANSUNION to negatively impact my credit score. 
I demand that they be deleted. 
In addition, I did not give you, TRANSUNION permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
I also demand you, TRANSUNION to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Mortgage

Our home was listed for short sale in XX/XX/2018, and we had an offer within a week. Since then, we have been trying to get approvals from both the first and second trust,  ur they keep asking for the same documents over and over again. We comply, and then they circle back with the same request. Finally, XXXX (the first trust) approved, but PHH (the second trust) continues to drag.There has been a significant lender delay and they are acting in bad faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email XXXX 15 U.S Code sec. 1681c-2 commands a consumer reporting agency Shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than ( 4 ) four business days after the date of receipt. It has been well over thirty days, and You are in violation of this law. Because I am a victim of identity theft!! Please delete these items immediately!!! 
These accounts should not be furnished in my consumer report [ 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 instruction of the consumer to whom it relates. I have never given any consumer agency writen consent to report anything on my consumer report. 
Which violates my rights as a federally protected consumer no consent is identity theft as a consumer I demand the deletion of the listed accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to you to request a goodwill adjustment for a late payment that is on my account XX/XX/year>, I always make my am and make every effort to fulfill my financial responsibilities, but the past few months have bee hardship for me. At the time of these late payments, I was laid off from my job due to unforesee. issues, and still made the effoft to make my monthly payment although I am still out of work I say not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical creditworthiness. I have been a happy customer since XXXX and I hope to continue a long relationship with your company. I hope that you are willing to work with me on erasing the marks from my credit reports. 
I am now trying to find an apartment and lease a car and I am having trouble doing so due to my XXXX XXXX score decreasing due to these late payments. 
I understand that according to federal law 15 U.S. code 16 la ( 2 ) AD ), a consumer report does noti information solely as to transactions or experiences between the consumer and the person makins payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not u. payment on a credit card account under an open-end consumer credit plan as late for any purpose. XXXX I am asking that these late payments be removed from my report in response to this letter as a gesture of goodwill. I hope that you will deeply consider my request and prove once again why XXXX is heals above the rest. I look forward to your reply. 
Very XXXX yours,
Product: Debt collection

In XX/XX/2018, I contacted Merchants ADJ Service to dispute the medical bill on my credit report. The person I spoke to would not verify the debt in writing.I then contacted the original creditor, XXXX Hospital, and asked the billing department to verify the debt. They had no record of outstanding debt in connection to my name, birthday, or social security number. On XX/XX/2018 I filed a dispute, online, with XXXX. The investigation determined the debt to be valid. 

On XX/XX/2018 Merchant ADJ Service reported a second medical bill, from a different facility, to my credit report. On XX/XX/2018, I contacted the XXXX XXXX XXXX XXXX, and they had no outstanding bills in my name. I was then transferred to XXXX in the billing department of the XXXX Hospital. She had no record of outstanding bills connected to my name, birthday, or social security number. I called XXXX, explained the situation, and filed another dispute against these two accounts.
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus XXXX and Transunion to please verify this account but they have not. The information is incorrect
Product: Mortgage

On XXXX XXXX. 2020 I submitted a letter to Homebridge Financial for assistance because I got behind in mortgage payments due to getting XXXX. I was not able to work a full schedule because I was too weak. ( Im a XXXX, got XXXX from my patient ) I had to qualify for one of their programs. I finally qualified for one of their programs. I started dealing with XXXX XXXX in the loan modification Dept. I followed all his instruct to the t because I wanted a loan modification for a lower payment. I believe I made 11 or 12 payments between $ 860- $ 900 monthly. In the meantime they sold my loan toXXXX XXXXXXXX and still kept collecting monies from me. XXXX XXXX said that I would be getting a loan modification soon. He also requested that I NOT contact XXXX XXXX because it would be counter productive. These payments to Homebridge were made with a card called XXXX XXXX. I dont have any receipts but I do have some of these cards I. My possession. I eventually called XXXX mortgage because my husband said it sounded like a scam. And he was right. My house is in foreclosureand I owe & XXXX to XXXX mortgage. I only get a recording when I call Homebridge Financial. And XXXX XXXX does not take my calls anymore. I got scammed from this mortgage company. I need all my money back that I gave to XXXX XXXX for a loan modification that never happened. He lied and cheated for Homebridge. And I am currently in foreclosure. Here are the pertinent numbers Loans # at Homebridge XXXX XXXX XXXX XXXX and XXXX Homebridge financial XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 an alleged fraud or extortion. XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX SXXXX XXXX XXXX TX ) XXXX Balance : {$3700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$790.00} ; XXXX XXXX XXXXXXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX  XX/XX/2021.
Product: Student loan

I have a Texas guaranteed student loan-which originated 1st with XXXX XXXX XXXX and has been transferred to Texas guaranteed student loan corp. Im contacting you because unjustified wage garnishment of Temp worker, because the lender is unwilling to accept less money than possible. Also, the amount of loan is in dispute as I believe I only took XXXX loan and because they transferred the loan so many times, they say I owe twice as much in XXXX loans. I requested copies of original loan agreement w signature and they only sent a statement and not original docs. XXXX/XXXX/2016 wage garnishment is supposed to take place. Also, 2 years ago, I submitted for a payment plan and was told {$45.00} was my payment which I agreed to do, provided all information, and then while I was waiting for approval, was told I needed to give address of reference, and I did call to do so. The person who i spoke with didnt submit the information of address, then because of the lender employees fault of not submitting was told I was turned down and had to do everything from the start. 
I have told the lender the situation and they only said now they want {$350.00} now to negotiate. Im a temp worker. I had unemployement for XXXX week this month, and they wont renegotiate to what I first was approved for. {$45.00}. They want me to go through the whole process again although I did everything they asked. 
I want to be a plan of {$45.00} as I agreed long ago and copies of originals. And no wage garnishment.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am requesting debt validation from them I ask them to provide records of this debt as validation.
Product: Debt collection

Despite successful resolution and removal of fraudulent accounts by other credit reporting agencies, it appears that your bureau has yet to take appropriate action to rectify the situation. This persistent inclusion of fraudulent accounts on my credit report is causing significant distress and harm to my financial standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
It has come to my attention that other credit bureaus have promptly investigated and removed the disputed fraudulent accounts from their reports, demonstrating their commitment to accurate and fair reporting. However, your bureau continues to report these inaccurate and damaging accounts, raising serious questions about the efficiency and effectiveness of your dispute resolution process.
Product: Credit reporting or other personal consumer reports

My Experian credit reports have loans listed for XXXX XXXX XXXX which are duplicates of all loans that were previously transferred to XXXX. I have made multiple attempts to get this corrected. Most recently I submitted a copy of the document from XXXX which shows ZERO amounts outstanding on the loans. However, Experian continues to reflect amounts totaling {$57000.00} due to XXXX.
Product: Debt collection

I have disputed this information Portfolio Recovery and have received no response from the company. Instead, they have updated the account as current and continue to report derogatory information.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a credit reference agency, regarding a grave matter that has significantly impacted my financial, emotional, and personal well-being. The heart of my complaint centres on alarming inaccuracies within my credit report, which TransUnion has inadequately addressed despite multiple attempts for resolution. This issue not only violates my consumer rights but also highlights systemic flaws requiring immediate intervention. 

Key Points of Concern : 1. **Persistent Debt Collection Harassment** : I have endured relentless debt collection letters and calls, leading to substantial emotional distress and daily life disruption. 

2. **Unauthorized Bank Accounts** : My identity was exploited to open fraudulent bank accounts, potentially causing significant financial losses and damage to my credit history. 

3. **Misused Mobile Phone Contracts** : Unauthorized mobile phone contracts were established under my identity, resulting in financial adversity and credit history damage.

4. **Deceptive Debt Collection Notices** : Misleading debt collection letters, falsely claiming outstanding debts under my name, compounded my distress and inflicted additional harm.

5. **Emotional and Personal Turmoil** : These inaccuracies extended beyond financial implications, profoundly affecting my personal life, and even compelling me to send my XXXX  wife back to XXXX due to unbearable stress. 

XXXX. **Impaired Fatherhood Experience** : The distress and uncertainty have marred my ability to fully embrace fatherhood.

7. **Persistent Fear of Identity Theft** : I live in constant dread of identity theft, intensifying my ongoing XXXX

8. **Limited Housing Prospects** : Securing suitable housing has been hindered due to adverse credit checks stemming from these inaccuracies. 

9. **Financial BurdenXXXX : My compromised credit history has led to increased financial burdens, particularly in areas such as car finance, imposing further strain. 

Remarkably, TransUnion 's database links approximately 31 erroneous addresses to my name, raising profound concerns about their data management processes and investigative rigor.

Having exhausted all communication avenues with TransUnion without adequate response or resolution, I am compelled to seek your intervention. I am in the process of preparing a legal notice against TransUnion, seeking compensation of at least XXXX per incorrect address linked to my name. This compensation is warranted considering the emotional distress, damage to my health and relationships, and financial hardships endured. 

I implore you to promptly and thoroughly investigate this matter. It extends beyond my personal circumstances and is vital to uphold the credit reporting system 's integrity and protect consumers ' rights. 

For reference, I have provided the XXXX  reference information below : - XXXX Reference Number : XXXX - Original Client : XXXX Your urgent intervention is critical in resolving this grave issue.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( Block , inc ). Due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.