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

I sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate and validate every piece of information and ensure everything was accurate '' on the accounts I have listed below. I also have attached the letters I sent out certified mail and here are the Tracking # 's. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living, is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on the accounts are still not reporting 100 % accurate. And according to the FCRA 15 U.S.C. 1681 everything has to be 100 % accurate. Also I have the credit report showing the inaccuracies. They also violated my rights 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these agencies written permission to furnish these accounts on my credit report as well. 

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 have attempted multiple time to get in touch with the company. In XX/XX/2019, XXXX XXXX, attorney for alco collections, claimed to furnish an itemized balance to me. I have not recieved it, nor the chain of custody of paperwork I have been requesting for over 2 years. I have made several attempt to have this company prove that this debt is my responsibility. I have made several attempts to dispute with Credit Reporting companies and Alco Collections remains by sending them that the debt is accurate. However, on my most recent report they have missing and incorrect data. I request that their alleged debt be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on  XXXX  disputing some inquiries on my credit report. Transunion completed the investigation on  XXXX  and sent me the results. The problem that I have with the investigation is that they did not fully investigate my issue. When I go the results I called Transunion and asked them why did they not address all of the issues within my complaint and they told me that I had to contact the company. I told the rep that you cant pick and choose what parts of the complaint that you want to address. In accordance with the law you have to investigate and report back your findings on every item that was disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX # XXXX is reporting a 30 day late to my account in XX/XX/20 that should not be on there. I had made my payment online and thought it went through and I did not realize there had been a system error until I got a late on the account. I would like this late removed, I have had this account for a very long time and have never been late before and this late was not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Reason : FDCPA section 807 Violation misleading false reporting Company name : XXXX XXXX Account number : XXXX Reason : Misleading false information This is a HIPPA violation you can not report health information on my credit report Company name : XXXX  XXXX Account number : XXXX Reason : Misleading false information This is a HIPPA violation you can not report health information on my credit report Company name : XXXX  XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Reason : Validate account. Prove it. Give me the signed contract that gives you consent that contains my signature giving you consent to do so Company name : XXXX Account number : XXXX Reason : Misleading false information This is a HIPPA violation you can not report health information on my credit report Company name : XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit company Equifax was hacked and my data was stolen from their storage servers. This was reported by Equifax in early XX/XX/XXXX, however, they were aware of the breach on XX/XX/XXXX. I am now at risk of being a victim of fraud more than I have ever been in my entire life. I have been a victim of credit card fraud twice and I am extremely careful with my finances.
Product: Credit reporting or other personal consumer reports

My federal student loans through XXXX were forgiven XX/XX/2023 but are still being reported as if not closed and show original balanced. I have asked the company to update all three credit bureaus and have been ignored. This information is inaccurate and needs to be updated immediately.
Product: Debt collection

I received a telephone call from PMAB , LLC of XXXX NC on XXXX/XXXX/15 notifying me of alleged medical debt. After verifying my address and phone number, I informed the representative that I would like proof of the debt and that I had no intention of paying the alleged debt until I was shown proof. He told me he would send proof. I subsequently received a " XXXX % Offer Letter '' dated XXXX/XXXX/15 ( which is not proof ), and missed phone calls from PMAB 's number XXXX on XXXX/XXXX/15 ( XXXX ), XXXX/XXXX/15 ( XXXX ), and XXXX/XXXX/15 ( XXXX ). At no time did the company leave a message or identify themselves via voicemail. On XXXX/XXXX/15 after receiving the final missed call from PMAB, I contacted PMAB to obtain their fax number for correspondence. I was given XXXX which I confirmed with the XXXX. I drafted a cease and desist letter and faxed it to PMAB on XXXX/XXXX/15 XXXX. Fax confirmed the transmission was successful. Subsequent to the faxing of my cease and desist letter, I received yet another phone call from PMAB XXXX days later on XXXX/XXXX/15 ( XXXX ). This time, a message was left. I promptly returned the call and spoke with a female representative who informed me she was calling regarding " medical debt. '' I informed her that PMAB was in violation of the Debt Collection Practices Act because I had previously faxed a cease and desist letter and yet received another call. She stuttered for a moment and stated " well that letter is n't in your file ... it must have gotten lost on the fax. '' I told her that I would be filing a compliant with the FTC to which she responded with " yeah, well, that 's fine ... whatever '' and then promptly disconnected the call.
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and saw unauthorized inquiries I can't explain. I thought it was a technical issue, but refreshing the browser didnt help, and the inquiries were still there. This is very concerning, and I demand immediate action and thorough review of the documents I sent to ensure this never happens again.
Product: Consumer Loan

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not consented this company to access my credit. However, there is an inquiry reporting from them.
Product: Credit card

I recently talked to Apple Card Goldman Sachs today I was previously told by SIPERVISOR THAT a dispute was filed given number then get an email stating it was a balance inquiry. I have first been trying for a long time to get the correct credit info from apple I never got the XXXX XXXX phone or the clear case. most importantly I have many unknown charges and credits on my account, the XXXX app never matches what they say when I call the balance is always different usually more. I chatted a couple of times today also they did was waste jy time Im sure they are overseas texts due to the language. Still no results just seems like playing with customers I need help they just take your money then are rude hang up etc when u try and call
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late paying my debt. This is inaccurate. You are reporting inaccurate information on my credit report.
Product: Vehicle loan or lease

Experian, XXXX and XXXX are conducting sham and incomplete investigation as well as refusing to provide method of verification and type of investigation. 
The have violated my rights by continue to report inaccurate information on my credit.
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against Transworld Systems for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report. I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

last year i attempted to correct this matter with you. the new law states that all veterans of my status were to have student loans forgiven and history deleted. navient and the us dept of education has XXXX out the balance but it still has account history as negative or delinquent. showing a delinquent status does not delete my history of negative payments as law instructs for 100percent XXXX and XXXX  XXXX veterans like myself
Product: Credit reporting

Dispute Over Inquiries on TransUnion Credit Report- Unauthorized AccessI contend that all of the inquiries made by TRANSUNION INTERACTIVE, XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX CA XXXX, on my TransUnion Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent TransUnion credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
Product: Credit reporting

On XX/XX/2016, I sent a dispute letter to Equifax disputing an unknown medical account. Equifax received my dispute letter on XX/XX/2016. On XX/XX/2016, I received an email that the dispute process has started. I received a new credit report dated XX/XX/2016 that stated " WE have researched the collection account # xxx. The results are we verified that this item belongs to you '', with instructions on how to contact the collection agency if I had additional questions. Per the instructions on my credit report, I sent a letter to the collection agency on XX/XX/2016 to the address Equifax provided on my credit report requesting validation of this debt. On XX/XX/2016, the letter I sent to the collection agency was returned to me by the USPS marked " Return to sender/Unable to forward ''. Per the USPA website tracking information for this letter, it said, " The addressee moved with no forwarding address ''. On XX/XX/2016, I sent another dispute letter to Equifax regarding this medical debt. I also included a copy of the XX/XX/2016 letter I sent to the collection agency as well as the proof of attempted delivery from the USPS website, that clearly stated that the letter was being returned to sender due to no forwarding address. I received an updated credit report dated XX/XX/2016, again their response was that they verified the account belongs to me, with the same instructions as before as to how to contact the collection agency with further questions. The collection agency address that Equifax is reporting on the XX/XX/2016 report, is the SAME address as the previous reports provided by Equifax. I also disputed this medical collection with XXXX XXXX and XXXX, and they bothe deleted the collection from my credit reports. 

On XX/XX/XXXX, I sent a letter to Equifax to inform them I filed a complaint with your agency as well as a copy of the complaint. On XX/XX/XXXX, I received a response from Equifax stating " The disputed account, cfpb is currently not reporting on the Equifax file ''. Obviously, my letter was not throughly investigated, since I am disputing an account with XXXX XXXX XXXX and " cfpb '' refers to your agency. I do not recall the date, but I called Equifax to speak with a supervisor in regards to their XX/XX/2016 letter and explain the " cfpb '' is not a debt I am disputing. She informed me that the debt I am disputing has been verified and instructed me to contact the collection agency. So, needless to say, I did not get anywhere with Equifax.
Product: Credit card or prepaid card

On XXXX  I placed an order for ( 3 ) {$100.00} XXXX XXXX gift cards through the Citi Thank You Points portal. Immediately after placing this order, I received notice that one gift card was canceled. I then received an email with links to the two remaining gift cards- however the links took me to the same exact gift card ( Rather than receiving two {$100.00} gift cards, I received a duplicate of the same {$100.00} gift card ). 

Trying to resolve this issue through Citi was a very long and grueling process. I eventually spoke to someone in the Executive Office who explained there was nothing that they could do, this was an error on XXXX XXXX 's part, and that they would have to track down the issue. 

I've spent an additional month chasing down this issue with XXXX XXXX customer service. I've spoken to multiple managers in the escalations department. They have submitted multiple tickets for this as a technical issue, and then never followed up with me as they promised they would. Eventually I filed complaints against XXXX XXXX with the XXXX and Attorney General. 

XXXX XXXX finally responded to my complaint with the following - " We send gift cards in bulk to the credit card companies that issue them with rewards. In cases for problem, you need to reach out to the credit card company the purchase was made through. We are not able to find the order for the gift cards. We are only able to look up the gift cards themselves to see the balances and where they were used. This is what the associate that helped you previously did. They found the gift card numbers, not the gift card orders. There is a distinct difference. We are only able to replace a gift card if an order that it was used on is canceled or returned and the gift card was already processed. I apologize for this. '' At this point I really don't care who's fault it is. This has been one of the worst experiences I've ever had with any business. At no time did I feel like Citi has owned this issue for me, they've just pushed it off to the next person. 

Considering that CITI facilitates the purchase of these gift cards using their thank you points, and a CITI branded email delivered the erroneous, duplicated gift cards- I believe this is CITI 's issue to fix. 

I'm sure I am not the first person that has experienced this error, and I won't be the last if this issue is not communicated to a person who has the power to fix it.
Product: Credit reporting or other personal consumer reports

AMERICAN EXPRESS Account type - Charge Account Date opened - XXXX XXXXXXXX XXXX Address AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Above Account created under AMERICAN EXPRESS without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Debt collection

I had filed a claim with the CFPB to resolve the debt with the National Credit Systems ( Claim XXXX ). The debt was confirmed and NCS responded to the claim with the amount due. I agree with the result of the claim and proceeded to try to pay NCS the disputed amount. Their online portal will not allow me to pay the debt as it has a system error that has still not been resolved. When entering the amount that is due along with my SSN, their site returns an error of " Arithmetic overflow error converting varchar to data type numeric. ". This error has existed for weeks now with no resolution. When calling their Customer Support number directly, the same error occurs in their internal system and they can not locate my account despite being provided the amount that is due along with my SSN.
Product: Debt collection

First of all I have never owned a XXXX XXXX XXXX  nor have I shopped at About XXXX  I recieved the bill for {$190.00} in XXXX XXXX XXXXXXXX. I disputed the charge. I do not recall getting anything back from XXXXThen on XX/XX/XXXX I got a letter that the account had gone to collections from Midland Credit Management. I called and spoke a XXXX XXXX on XX/XX/XXXX. I sent him all the information I had. Last week I spoke to somebody who simply said the card was in your name you owe the money. I think XXXX mentioned if I had shopped at XXXX which i have. XXXX changed their credit card company either from XXXX or to XXXX. I think that during the change my information was compromised Again I have nevrer owned a XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 3 months later, I have not received a response yet. I know they are backed up because of Covid but I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress these people are causing me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX - RETAIL # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 A. Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, or personal loan

It was done today and I got the money today in my account. They initially stated that the payoff would be {$650.00} with the interest which did not happen. The interest rate on a {$500.00} is 831.1006 % and my ending balance that will be paid is {$2000.00}. It was all done online and I had no idea that it was illegal to do an online payday loan until I did my research ( which I should have done ahead of time ). I was desperate in need of money but had no idea what I was getting into.
Product: Credit reporting or other personal consumer reports

Inn violation of the federal fair credit reporting act, XXXX XXXX XXXXXXXX, Transunion, XXXX, and XXXX continue to report false information in a credit report that is the result of fraud, identity theft, and incompetence on XXXX XXXX XXXXXXXX XXXX XXXX. The report of a late payment of 30 days in XXXX on an account from XXXX XXXX XXXXXXXX is inaccurate due to fraudulent or technical incorrect information. There should be no late payment. It needs to be removed today.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have the same complaint that everyone else has. Macy 's trying collect wrongful change. Macy 's switched my account to an American Express card which I never activated. About six months later I started getting collection calls when all was said and done I owed Macy 's over {$300.00} for billing charges/ late fees. I never charge anything for past 2 years and they keep sending me the bills. Macy 's account showing a past due amount with a late payment charge of {$27.00} plus an interest charge equal to 24.75 % yearly rate on the unpaid balance.I have called Macy 's Customer Service twice to Complain to them about this Charge. I just received this letter saying? I am attaching the letter with this compliant.
Product: Mortgage

I have a loan with Santander. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX & XXXX  and Santander with no successful resolution. XXXX, XXXX  & XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2015.