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. XXXX 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 credit score over XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting

Equifax has to be one of the worst, incompetent, lazy, lying companies on the face of the earth! I have been trying for almost a year now to clear up some obvious mistakes that they have made on my credit report and despite clear evidence of their errors they are refusing to do anything other than give me a hard time. There is an account with XXXX that needs to be removed because I have no idea where this came from and the other XXXX bureaus have removed it so why dont they? This is also the case for the XXXX XXXX accounts, why would Equifax keep them on when XXXX and XXXX have removed them? XXXX has a 30 day late in XX/XX/XXXX that should have been removed by now. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX have been paid so why does it still report? I dont owe them any money so it doesnt make sense that they should continue to harm my score right? XXXX shows a late date in XXXX that should have been removed by now and there are XXXX random collection from XXXX XXXX XXXX that I have no recognition of. XXXX and XXXX have refused all of my requests for validation and I feel that at this point it should be assumed that they have no proof because it has been so long. And to top it all off, Equifax is reporting a UNKNOWN account with no name, no creditor name and absolutely no way for me to get in touch with said company so how am i supposed to even pay them? I dont even think I owe the debt let alone be expected to pay my hard earned money to UNKNOWN!
Product: Debt collection

For the last two years, I have been receiving phone calls from the following number ( XXXX ) XXXX ; the caller identified himself as a debt collector calling from Compass Recovery Group. They have NEVER send me any letter or document explaining to me the debt that they claim I owe. My understanding that Federal Law requires them to send me a letter within five days of their first contact that contains their name, physical address, creditor 's name and the amount of the alleged debt! 

Recently, they started using unlawful and illegal tactics. On XX/XX/XXXX, my sister received a call at XXXX XXXX from them. They told her that they need to reach me for a legal matter and that I am being sued ( attached please see snapshot from my sister 's phone and a record of the call on her mobile 's usage information ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving the letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw accounts that I never open and several bankruptcies under my name. These accounts and bankruptcies are not mine. Please remove all these fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

Despite my efforts, these issues remain unresolved. Enclosed is the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This matter is important to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Please provide evidence of the alleged item, such as a contract or document with my signature. If not, remove these items from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Did not notify me of the investigation that was endured for my consumer report. I am requesting an audit of full details regarding the investigation of my complaints on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 I submitted all my accounts to XXXX XXXX XXXX to manage all my accounts and to control my interest rates on all my accounts. 

Since my account was not late due to my mishandling of it but due to the interest and contract disagreement between XXXX and Discover technically the payments were being made but the amount and the interest rate was the only point of contention I am disputing the reporting of my account as late. Discover accepted the payments and demanded more money at a higher interest from XXXX who was already paying them on time. 
Since the lower amounts were paid on time this is a fraudulent reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I am complaining about Experian. This company sold me a credit reporting service promising I could cancel at any time. Well the only way to cancel is by telephone. When you call the required number they do not answer the phone. They put you on hold for 2 and 1/2 hours. Then when the promised time comes up, the phone gets disconnected so you have no way to cancel. 
Because of this I cancelled the credit card they had on file. Then Experian used there credit monitoring service to get payment from a completely different card that was not authorized to be used. Is that not illegal? To use their credit monitoring service to access a persons credit report. Use a credit card number that they are not authorized for payment and then take money!!!! This company is a a predator.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

data breach we would like the company to check into with capital one and XXXX  caused FTC or fcra violation not know to us to the best of our knowledge XXXX repo 4 debt collection doing unfair trade practice collection on a debt not owed to them all violation of the fcra
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 by federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish an 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 conviction 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: Debt collection

I disputed discover bank online with XXXX for amount of XXXX it came back verified I called XXXX again ask them again to to dispute information thoroughly because I talked to discover bank they told me that the debt is owned by someone else and being that that card was a secured card with limit of XXXX dollars it was taken for that deposit so I dont owe XXXX under code 15 usc 1681 ( 2 ) inaccurate information I would like for it to be deleted immediately please
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute an account with XXXX and they correct the error ( account open fraudulently ). I send all the information needed to XXXX, and they send me my credit report corrected. XXXX correct the account too but EQUIFAX have the information all wrong. I try to dispute this account in Equifax with no results. And all my information is wrong in Equifax, i have a mortgage and they delete the account and the account on dispute its still in my report. I been checking my credit report in XXXX XXXX almost everyday to see any change on it. I dont know if the 3 credit agencies are supose to have the same information. I can give you my XXXX report number for easy access to my info : XXXX I live in puerto rico and the account was open in united state. I been trying to deleted this account since XXXX  2015 and Equifax still have this account. Also the address still in my account. The account in dispute is XXXX XXXX # XXXX they use this address : XXXX XXXX XXXX XXXX VA XXXX ( fake )
Product: Credit card or prepaid card

XX/XX/2021, I made a reservation for XX/XX/XXXX at the local XXXX XXXXXXXX XXXX - Confirmation number XXXX for {$320.00} with my Discover card. Unfortunately due to circumstances beyond my control : ( post XXXX XXXX symptoms/illness and a five day ice storm with power outages city-wide ) I could not keep my reservation. 

I reached out to Discover XX/XX/2021 to let them know to remove the charges as I was not able to keep the reservation due to the reason ( s ) as listed above. 

Shortly thereafter, a credit of over {$750.00} appeared on-line on my Discover card with this notice from Discover : We're writing to inform you that XXXX XXXX  XXXX issued a credit for the disputed transaction that we also previously credited. This means your account has been credited twice for the same transaction. To correct this, we have reversed our previous credit, which you will see on your next billing statement. 

What XXXX XXXX  had done was refund to Discover was the Reservation and the Hotel stay. Which I found most confusing, at any rate, XXXX XXXX  returned two transactions to Discover. And since I do not carry balance ( s ) on my credit cards, I always pay in full each month, I knew everyone was made whole. I did not owe any money to Discover as XXXX had reversed the charges. 

This is a record of my dispute with both companies. 

We're writing to inform you that XXXX XXXX  XXXX issued a credit for the disputed transaction that we also previously credited. This means your account has been credited twice for the same transaction. To correct this, we have reversed our previous credit, which you will see on your next billing statement. 

Case Number:XXXX Merchant Name : XXXX XXXX  XXXX Dispute Amount : {$320.00} I've been fighting with Discover since XX/XX/2021, and I'm simply exhausted. Please help me!! 



Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report, which I acquired from this credit bureau reporting organization and I noticed that this unauthorized inquiry had been made, I contacted the credit bureau, who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date, there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Therefore, I must request your help in resolving this matter. Per the Fair Credit Reporting Act, I request you immediately investigate this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX XXXX My name is XXXX XXXX XXXX XXXX delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. Please remove the following addresses from my credit report they are not accurate please remove delete ASAP : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX i HAVE NEVER USED ANY SOCIAL SECURITY NUMBER ENDING XXXX PLEASE DELETE IT FROM MY CREDIT FILE. THE FOLLOWING NUMBERS ARE NOT MINE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX I DO NOT WORK FOR ANY OF THESE COMPANIES ERRORS PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/23 I checked my credit report, and I noticed numerous inaccuracies on my credit report. I sent a letter to all XXXX bureaus, and they have not removed the accounts.
Product: Credit card or prepaid card

I have accrued $ 500+ dollars in rewards and I would like to close my account. XXXX and Citi will require me to forfeit my rewards to close my account. I would like the interest earned to be disputed to me upon my account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information seems to have been mishandled which puts me and other consumers at risk ( XXXX XXXX XXXX ) .I am listed as a potential victim according to their equifaxsecurity2017.com website. Furthermore, according to the above article, the breach was discovered on XX/XX/XXXX, and several Equifax executives sold their stock in the next few days ( although indicating this had nothing to do with the information breach ). However, I was not notified until this point through my own investigation ( XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion failed to update information regarding my name, and information contained in my report relating to balances
Product: Mortgage

XXXX XXXX fund has been paying my payment and this month no payment has been applied. I called them and they have stated they sent the check to new rez.
Product: Credit reporting or other personal consumer reports

I have an issue with Equifax properly investigating my dispute under the Fair Credit I Reporting Act. Over the past year starting XX/XX/year>, I have submitted documentation on several occasions in regards to underlying account. My ability to obtain access to credit and employment has been tremendously affected. Equifax has constantly ignored documentation/ evidence I submitted over the past year allowing previously deleted inaccuracies/misleading information to be reinserting into my credit report. The financial consequences of inaccurate information listed in my report has cause severe harm to my financial and personal well being. Every attempt to contact Equifax via phone has been unsuccessful. Each time I call, I get transferred to consumer affairs department who never answers. Please assist me in regards to this matter.
Product: Debt collection

VALIDATION AND CEASE AND DESIST To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? PURSUANT TO THE EDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. Permissible PURPOSE Please State why you have a permissible purpose to contact my credit. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit reporting or other personal consumer reports

I want to stress emphatically that I've maintained a flawless payment record on this account. It has recently come to my attention that, while all other accounts are rightfully marked 'Paid as agreed ' on my credit report, there's a single account associated with a different account number that is erroneously reported as 'past due. ' This stark inconsistency not only casts doubt on the accuracy of my credit report but also raises significant concerns regarding potential violations of my rights under the Fair Debt Collection Practices Act. Addressing this discrepancy promptly is essential not only for rectifying my credit history but also for upholding the integrity of consumer rights and fair debt collection practices. 
According to 15 U.S. Code 1681e, consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. It has come to my attention that there are discrepancies in my credit report that are in violation of this provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Furthermore, this account is under {$500.00}, and there is no original creditor listed. Surprise billing act has also been violated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX Account # 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 an account without my written instructions.