23daVinci/CFPB_Complaints huggingface dataset:
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. The problem has not been resolved. my fico has me at a XXXX XXXX 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 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 three negative credit items outstanding debt now. 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 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual data sheet attached. CFPB Reference : XXXX Re : Discover See attached the factual sheet : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and Equifax Full name XXXX Last XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Former Address : Social Security # : XXXX Home Phone : XXXX Date of Birth : Work Phone None Employer N/A Spouse Name N/A Spouse Social Security # N/A Credit Report Dispute / Account Information Dispute Section Company Name : XXXX Bank Account # XXXX XXXX XXXX Not my account X -- -- Was never late -- -x -- -Account paid in full -- X -- Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was paid in full Company Name : Company Name : -- -- -- - Current status incorrect -- -- other -- -- -- Dispute Explanation : Company Name : Courthouse or Collection Agency accounts : Courthouse or Collections Agency Case number for courthouse records only -- -- Not Mine ( explain ) -- -- -- Satisfied -- -- -- Released -- -- -- -Dismissed -- -- -- Discharged -- -- -Collection was paid -- -- -Other ( explain ) I certified that all information above is true and factual. 
Signature XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. Telephone XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX. Telephone XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report from Equifax. There 's a XXXX XXXX XXXX Court items listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Per the attached, the XXXX Courts emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. In this case, they claim to have validated this information through XXXX XXXX. However, per the XXXX attachment, I have a security freeze on my XXXX XXXX account which makes it impossible to validate that this information is correct. I have asked Equifax to remove this derogatory information from my credit file, yet they have refused. Considering the information indicates a Fair Credit Reporting Act violation, I need all XXXX information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these inaccurate accounts that are reporting to my credit report for validation and all companies involved XXXX XXXX, XXXX, XXXX, and Transunion have all verified them reporting as " Accurate ''. I received a letter from XXXX XXXX on XX/XX/2021 showing the itemized information they are claiming as accurate and have an incorrect SS # listed under my personal information that is NOT mine! This false information can be someone else! See attached copy letter from XXXX XXXX and my credit report showing how they are reporting false/inaccurate information to XXXX, TransUnion, and XXXX!
Product: Debt collection

XX/XX/XXXX XXXX XXXX  XXXX payoff of {$300.00} was paid by a different bank card to close account. Two days later XXXX made three ( 3 ) attempts to collect different amounts ( XXXX and XXXX? on XX/XX/2024 ) from the initial bank that lease was opened with. Agent was advised during phone call on XX/XX/2024, that a different card was being used, and I was advised it was no problem. 

Payment of {$300.00} was processed and cleared XX/XX/2024. On XX/XX/2024 I received an alert from the bank that payment could not be processed due to insufficient funds available. 

All the documentation up to the XX/XX/2024 XXXX report is attached for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are in the middle of COVID. I was laid off temporarily over the XXXX holiday due to COVID. I called the bank to tell them I would be late on this payment due to circumstances out of my control. They understood and were supposed to work with me on this. I missed XXXX 's payment but returned to work and paid this immediately. There was not supposed to be any negative information put onto my credit report. I just checked my credit and it shows a late for XX/XX/2021. 
This is not fair. I have never been late and the account is back up to paid to where i am scheduled to be paid on time.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against GC Services for committing identity theft. I have never given GC Services any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until GC Services can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and GC Services continues its collection efforts, I will file for litigation for actual damages caused and GC Services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # : xxxxxx XXXX
Product: Vehicle loan or lease

Went in person to pay and get up to date and they denied me Spoke to reprenstatives on 3 different occasions and they told me they cant help me They havent updated my credit report since XX/XX/2022 and soon as i filed a dispute they finally updated todayXXXX During their last update it showed it was open on my credit report Now im in collections because they didnt want to work with me or accept my payments when i went in person to bank branch Credit report said my interest rate was XXXX but my contract says XXXX
Product: Debt collection

Was contacted by a representative from XXXX XXXX XXXX XXXX ( XXXX  ) their phone number listed on caller ID was ( XXXX ) XXXX on XX/XX/XXXX. Regarding a repossessed car from XXXX that I did have at the time, XXXX XXXX. They stated I owed {$9000.00}, but would settle for {$6000.00}. They requested I call them back at the phone number ( XXXX ) XXXX. When I called I spoke with XXXX XXXX, who sent me an email letter requesting a signature and showing the amount owed. I never signed the document. The collector listed on the XXXX is The XXXX XXXX. XXXX  address at the top of the document is listed as XXXX XXXX XXXX XXXX in XXXX, California. When I looked up this address on the XXXX XXXX XXXX website, the owner is a health and fitness company. No address for XXXX XXXX  XXXX. There is a link on the email to email XXXX which fake. The creditor listed is the Gold Acceptance out of orange, California. When I called to confirm the debt, I was directed to email XXXX. I have yet to hear back from anyone, as of this being submitted. I never paid any money. 

I reviewed all my credit reports and they show nothing in collections
Product: Student loan

In XX/XX/2016, my already stressed and impressionable XXXX year old daughter received a high pressure sales call from XXXX University. They quickly brainwashed her and convinced her this was the best option for her to receive a college education. We as her parents were then high pressured into signing loan documents for a loan that is now upwards of $ 17K. My daughter only went to XXXX online university for 1 year. She has since transferred to a local XXXX  college. The tuition I have paid for 2 years there does not begin to equal the balance of this Parent PLUS Loan. I feel my daughter as well as my husband and I were pressured into this loan with really not education from anyone on what the true costs of the loan really are when all is said and done. The loan is deferred right now until next year. I will need to try and defer again as my daughter nor myself have the money to repay this debt.
Product: Debt collection

XXXX, this debt has been paid directly to the original creditor so this debt is invalid. XXXX, this company called me and my spouse using the number of an auto parts store in Minnesota. When answering, the lady was very rude, obscene and threatening.
Product: Credit card

Originally dated XX/XX/ ( sent via email ( w/attachments ) To whom it may concern : I am including documents related to my continued dispute of a charge for a reservation, which I had to cancel. If there are any other documents needed, please email me with instructions. If you need a doctor 's letter, explaining my physical condition as to why I cancelled, please let me know because I have a debilitating XXXX condition that has gotten worse, and can not walk without help or a wheelchair. I am XXXX XXXX XXXX and on a fixed income and have never made a hotel reservation in my life where it had to be paid up front ( always at check out at the hotel ). I was with major corporations where I travelled extensively, and never heard of this type of cancellation policy, let alone agreeing to it! 
I also am skeptical of something which prompted me to dispute this charge. When I checked into it on the Citi Bank website, I saw dates differing from my already planned XXXX XXXX XXXX reservations. It was for mid XXXX, which was incorrect & I thought it could be a scam, either from the hotel or XXXX... but now, mysteriously, it has disappeared from your site. I originally questioned it with my first Chacontact yet did not know I was to copy & paste the entire conversation! If you could please investigate that, I know I am not losing my memory or going crazy, for I still have excellent cognitive thinking & perception skills! 
Thank you for following up on this critical issue, I will await your response or any further follow-up needed. Going forward, if I make hotel reservations, I will only use XXXX, which I have used for many years and never had to pay up front but pay the hotel upon check out! If they are, in fact, affiliated with Citi Bank, I would change their policy before recommending that your customers use your travel site for points, why I used it, in the first place. 
I believe in excellent customer service, having had a successful career dealing with customers and I hope your company feels the same. 
Yours truly, XXXX XXXX XXXX
Product: Mortgage

We have called at least 4 times to requiest a payoff statement for our mortgage. We have yet to receive a statement.
Product: Credit card or prepaid card

I went to XXXX XXXX on XXXX XXXX In XXXX, OH to purchase a car on Monday, XX/XX/XXXX with a Car Salesman and I concluded the process with a Business Manager to finalize any documents and add ons that I might need. I was asked by the business manager if I would like a XXXX credit card to go toward purchases and declined and was asked two more times but I still declined and I didnt sign any paperwork that is on file or with me that says that I consent to the running of my credit for a credit card. I, then picked up my car on Wednesday XXXX after it was ready. On Friday, XX/XX/XXXX I received an email from the XXXX XXXX website asking me about a new hard inquiry on my account and if it was mine because of the fact that it had no monetary amount and there didnt seem to be a card attached to it. I then sent in a complaint directly with the XX/XX/XXXX website on Wednesday, XX/XX/XXXX and again with Transunion ( through the XX/XX/XXXX site ) on XX/XX/XXXX when I saw that there was still no solution to my issue. I received a response that they found that there was no issue on their end and that it needed to be escalated through consumer finance on Friday, XX/XX/XXXX. There was a document to sign saying that I consent to a credit card but I do not have that document because I declined to sign it.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/20XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is practicing unfair deceptive business practices by collecting on a debt that doesnt belong to me and also collecting on debt in a state without a license which is illegal. Company was put on notice of the unfair business practices and refused to remove the inaccurate account from consumer report. Also advertising to 15 USC 1681 A ( a ) ( I ), transactions are NOT included in a consumer report!
Product: Credit reporting or other personal consumer reports

I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To my knowledge and records, the following accounts do not belong to me and/or are fraudulent. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


Please see my attached dispute letter, Id, and fraud affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account regularly reports negative information and reports as if the account when it was closed nearly 4 years ago!
Product: Debt collection

I have a medical collection on my credit reports. I do not recall ever going to XXXX XXXX XXXX. I want this medical collection removed from my report. I 'm getting denied credit and is because of this.
Product: Mortgage

I acknowledge your admission of the mistakes made by New Jerseys Lenders Corporation. However I will not accept the mere {$200.00} offered. I am requesting it be removed from the settlement statement. I choose to further escalate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/year> SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Equifax Dispute Information Center Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. Please see the attached XXXX. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, Last Payment, date opened and more. Please see the attached Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX