23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

TransUnion, to date, I have not received the results of your investigation regarding my disputes dated XXXX XXXX, 2016 & XXXX XXXX, 2016. I did receive a notice from you dated XXXX XXXX 2016, explaining to me what an " inquiry '' is ( I know what an inquiry is ), but this did not satisfy your obligation, by law, to investigate and correct inaccurate information which appears on my credit report. As the 30-day clock has already lapsed, your only course of action here can be to delete the disputed items from my credit report.Inquiries are not a statement of fact. The inquiries I have listed did not have my authorization nor a permissible purpose to obtain my credit history. The law makes no distinction here, by placing the responsibility to confirm this information with you. Inquiries hurt a credit score, and are a part of the report. You are not exempt from following the law, simply because these entries are not tradelines. The FCRA clearly places this responsibility on you. The information you are reporting is incorrect in the way I have explained.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 719XXXX 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 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 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 XX/XX/XXXXn cant provide to my XXXX XX/XX/XXXXdaughter PLEASE HELP ME PLEASE
Product: Debt collection

These people call using blocked numbers and play like they have established an agreement with their victims by having their robot talk to voicemail. 
Then when I get their address and send them the information notifying them that their " alleged client REFUSED to follow procedure and submit a request to XXXX in Colorado, they wait 30 days and then start in with their harassment.
Product: Credit reporting or other personal consumer reports

I took a look at my credit score on XXXX  XXXX and it showed me that I owe {$21000.00} collectively to various organizations that I am not associated with. I apparently owe : {$640.00} to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX {$5200.00} to XXXX XXXX XXXX Encore Townhomes XXXX {$12000.00} to Pro XXXX XXXX XXXX Apartments {$2500.00} XXXX XXXX XXXX - XXXX XXXX XXXX {$420.00} is an inquiry with SyncB/Verizon ; I don't know what this is either. 

I have never lived in these services before. While my phone carrier is with XXXX, they confirmed that my personal usage isn't associated with this {$2500.00}. It is someone else using my name and credit. I have already contacted my local police and have filed police reports for Identity Theft.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 XXXX sent a letter regarding inaccurate and unknown things on my credit report. On this day over 45 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equilax data breach and XXXX have got into the hands of the wrong person
Product: Debt collection

XXXX XXXX XXXX in XXXXXXXX XXXX is notorious for coming up with charges years after medical service ( my daughter has received bills XXXX years after she has been there and my husband just received notice he has a credit from XXXX years ago ). I have not been to this hospital since XX/XX/XXXX. They turned my balance over to Credit Systems International and a derogatory mark was made on my credit report on XX/XX/XXXX. I have not received any other bills from XXXX XXXX except for a worker 's compensation claim and that was taken care of. On XX/XX/XXXX I received a collection letter from Credit Systems International in the amount of {$71.00}, and I discovered another derogatory mark was made to my credit report on XX/XX/XXXX, XXXX days before I even received the collection letter. If my balance with XXXX XXXX was reported on my credit report in XXXX, and I haven't been to that XXXX since XX/XX/XXXX except for the worker 's comp claim last year, then how do I owe them anything? And how can a derogatory remark be made on my credit report days before I was even aware of the so-called charges?
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information and Unauthorized Hard Inquiries Description of the Issue I am writing to report several inaccuracies on my credit report and to dispute the actions taken by the companies involved. Despite my efforts to resolve these issues through the dispute process, the inaccurate information remains on my credit report. 

XXXX. Negative Items - XXXX  XXXX XXXX Reported XX/XX/XXXX, with a balance of {$2300.00}. This item needs attention as it does not reflect the correct balance or status. 
- XXXX XXXX XXXX Reported XX/XX/XXXX, with a balance of {$120.00}. This account was placed for collection by XXXX. 
XXXX XXXX XXXX XXXX Reported XX/XX/XXXX, with a balance of {$540.00}. This account was placed for collection by XXXX XXXX XXXX  XXXX XXXX. 
- XXXX XXXX XXXX Reported XX/XX/XXXX, with a balance of {$100.00}. This account was placed for collection by XXXX  XXXX XXXX XXXX. 
- XXXX XXXX XXXX Reported XX/XX/XXXX, with a balance of {$660.00}. 

XXXX. Hard Inquiries : - On XX/XX/XXXX, a hard inquiry from XXXX XXXX was made without my consent. 
- On XX/XX/XXXX, a hard inquiry from XXXX was made without my consent. 
- On XX/XX/XXXX, a hard inquiry from XXXX was made without my consent. 
- Additional unauthorized inquiries were made by XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX on my credit report. 

Actions Taken : - I have previously disputed these items through the credit reporting agency, but the information remains unresolved. 
- I have not authorized the hard inquiries listed, and I did not give consent for these to be made. 
- Despite my efforts to correct these issues, the negative items and unauthorized inquiries persist on my credit report. 

I request that the companies involved investigate these issues and remove the inaccurate information from my credit report, as it is damaging my credit standing and does not reflect accurate or authorized activity. 

Thank you for addressing these matters promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a Third Party. I am requesting that the following accounts be removed. These are fraud, I didnt benefit, apply for, and authorize these accounts. 

DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Product: Checking or savings account

I contacted Citizens Bank in XXXX, NY on XX/XX/year>. They enticed me to transfer {$140000.00} into their bank from XXXX XXXX  in XXXX, NY XXXX. I spoke with XXXX who sent me a link to open a CD and a Checking account. I opened both accounts on XX/XX/year> and transferred {$140000.00} into the XXXX and {$15.00} into the checking account. I tried to access my accounts online on XX/XX/year> and was denied access. I contacted the bank and was told my accounts had been closed and they refused to tell me why. They told me the money was returned to XXXX XXXX. XXXX XXXX  has not yet received the money and Citizens Bank refuses to tell me where the money is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items off my credit report with no response over 60days ago. Iwas XXXX when these things occured on my credit report. i sent letter stating that. 


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

In accordance with the Far Credit Reporting Act Security Service FCU Account # XXXX, has Violated my rights. 

15 U.S.C 1618 Section 602 A, States I have to right to Privacy.

15 U.S.C 1681 Section 604 A Section 2, Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b, A Creditor May not treat a payment on a Credit Card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

On XX/XX/XXXX I was informed by a lender that unpaid medical debt showed up on my credit report XX/XX/XXXX for services provided by a doctor in XX/XX/XXXX. 

As far as I know I paid all my copays and deductibles in XX/XX/XXXX. I was not notified by the doctor that any further debt was outstanding. 

I contacted Puget Sound Collections to inquire about the debt and to validate it was correct. They told me it was for unpaid medical bills to XXXX, but that is all they would tell me. They referred me to XXXX who told me I had a {$0.00} balance and referred me back to Puget Sound Collections. I 've spoken to XXXX people at Puget Sound Collections and XXXX people at XXXX and none can verify or validate the debt. 

The second woman I spoke to at XXXX told me that a letter is sent every month for XXXX months if a balance is due and on the XXXX month it automatically gets sent to collections. She did n't have an answer as to why mine would 've been sent almost XXXX years instead of XXXX months later. 

I asked Puget Sound Collections to take the negative marks off my Credit Report until the debt was validated and they refused multiple times. The reason they gave for not notifying me prior to sending the account to the credit Bureaus is that they are not licensed in my state. 

I verified with both XXXX and Puget Sound Collections that they have my current address and phone number. 

Puget Sound Collections has told me, in no uncertain terms, that I must pay them without verification of the debt before they will remove any negative remarks. I consider this extortion. 

It 's my understanding that if Puget Sound Collections reported inaccurate information to the Credit Bureaus that is considered fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called these companies and told them about the inaccurate information on my credit report and nothing have been done I will like for the information to be fixed I have also sent out letter to these credit report agencies and their has not been nothing done with in the 30 day time limit of the letter which is violation of the FCRA dates that i have reached out have been XX/XX/2017 and no actions have been made to complete the accurate information
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

This account has caused me significant XXXX, to the point where it's affecting my XXXX. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX XXXXXXXX I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax Credit File, dated XX/XX/XXXX, shows I have a previous address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX Reported : XX/XX/XXXX. This is incorrect, I have never had that as my address. 

When I try to access my Equifax data online, part of their security challenge is to ask specific questions from my data file. The questions they ask are related to the mortgage and payments for the house in XXXX, TX. Since I have no knowledge about that property, I am unable to answer their questions and the Equifax site denies me access. 

I have asked Equifax to correct this error since I believe it is an attempt at data theft and someone else is using my credit report, but Equifax has not corrected my data even though I have requested their help at least four times.
Product: Vehicle loan or lease

the United Consumer Finance company keeps harrassing me twice a day for the past year They keep calling me and threating me for being 1 day late not even 30 days late. This is very fustrating.
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT DATE : XX/XX/year> TO : Equifax Subject : Notice of Dispute Inaccurate Reporting Dear Equifax, I am writing to dispute the inaccurate reporting of my XXXX XXXX XXXX XXXX  NA Account NUMBER # XXXX. This account is being marked as charged-off on a monthly basis, which is incorrect. SEE NOTICE OF DISPUTE LETTER ATTACHED BELOW
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX during the onset of the Covid-19 pandemic given the uncertainty that appeared ahead to arrange payment arrangements in advance.

The rep I spoke with advised that information was still being made available from higher ups so they were not sure what to do at this time other than mark the account accordingly that my desire to be covered for any available program and there would likely not be a payment for that specific month.

Furthermore I was advised to enroll in XXXX XXXX  a paid insurance feature offered by XXXX. I enrolled in the program on XXXX XX/XX/2020 I was advised that I would not be eligible until XXXX XX/XX/2020 as there was a 30 day vesting period. 

Prior to the processing of this claim which not only posted during the 30 day period of XX/XX/2020 and is clear as day pictured during the time I was allegedly 30 days late for XX/XX/2020z In XX/XX/2020 XXXX advised that they made a payment. A payment was made in the amount of {$120.00} on XXXX XX/XX/2020 prior to this payment by XXXX the account online as well as the app was reflecting XXXX payments due. This was after the XXXX XX/XX/2020 due date Then as time stamped and attached since they keep changing the dates to fit their position at XXXX on XXXX XX/XX/2020 I received correspondence again stating and confirming account is 100 % current which I could clearly see. I called in to confirm status of covid assistance and the rep advise me to pay {$7.00} in XXXX which you can clearly see pictured as well and then on XXXX XXXX screenshot XX/XX/XXXX again during the 30 day period they confirmed the arrangement in writing also stating very first payment {$7.00} after {$7.00} or 3 % greater of the two Never missed a payment now or ever if not fixed I will be filing lawsuit for certain you have cost me thousands and I will be seeking damages for my time and suffering
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to respond to my numerous disputes in the time the FCRA requires, I demand these accounts be removed immediately as this is a violation of my consumer rights. I am attaching the previous letters sent to this company.
Product: Student loan

Payments have been recently misapplied. Whole payment amount is being applied toward interest only & I am not on any type of workout plan. Everytime I call Navient 's customer service they advise its because of the interest accrued.
Product: Debt collection

They want to charge me for something. I dont recognize and something I dont owed and something I never sign
Product: Credit reporting, credit repair services, or other personal consumer reports

AUTOMATED ACCOUNTS MANAGEMENT Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX remove the ftc violaitons
Product: Debt collection

I had a no contract service plan from XXXX  in XX/XX/XXXX. I cancelled service inXX/XX/XXXX and followed the steps outlined by XXXX  to return their equipment ( cable box ). I had XXXX XXXX   on XX/XX/XXXX. Throughout XX/XX/XXXX they ( either XXXX  or the debt collection agency they hired - I don't remember ) continued to call me almost daily before XXXX XXXX. They did not leave a voicemail. I was not capable of handling this at that time because I was in recovery. That's why I took care of all my business before the XXXX. In XX/XX/XXXX I finally called the number back that had been calling repeatedly and was told that they are attempting to collect a debt for the equipment. I let them know that I had already sent it in and provided proof ( shipping information ). I also called XXXX to verify this information and to make sure this was settled.

I did not hear from them again until XX/XX/XXXX of this year ( XX/XX/XXXX). They ( collection agency - I'm assuming Virtuoso but I'm not sure ) called several days in a row but did not answer when I picked up or leave a message if I let it go to voicemail, so when I had time I called the number back. They told me they were trying to collect a debt for equipment for XXXX. I informed them that I had never owed that debt and that it had been taken care of with a collection agency and with XXXX. They told me to file an appeal on their website, which I did right away. I don't remember the website. The calls stopped at that time.

Now ( XX/XX/XXXX ) I am getting daily calls from XXXX. I answer, the line is blank. I call back immediately and it says the line will be connected to an agent. It rings then puts hold music on, then says that I've reached them outside of their business hours ( I just called at XXXX XXXX CST on a Thursday ) then says stay on the line to use their automated system to pay the debt, then hangs up on me. Before that it gives a website to pay the debt that they're trying to collect ( XXXX ). The options there are to log in, create an account, or " XXXX XXXX. '' I am not going to set up an account and give them more of my personal information - I can't even reach a person to find out who it is, why they're calling, or if they even have the right person. Since XXXX is the only company that would be feasibly trying to collect a debt from me, I am assuming that they hired Virtuoso to collect this debt that they keep claiming I owe.
Product: Debt collection

They added collection to my credit reports without accurately validating debt. I checked and cant verify their registration in Ohio. BOTH are FDCPA violations!

Jefferson Capital put collection on my credit report without accurately validating the following information as requested at least 5 times : I request that Jefferson Capital validate the following information : 1 - Full original account number and personal information associated with the account 2 - Date original account was opened 3 - Any written agreements between myself nd the original creditor stating that the alleged debt 4 - Full account summary and itemized calculation of alleged debt 5 - Date of first delinquency 6 - Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before and after it was reported to the CRA 's and so in proving that these calls were made in the times governed by the FDCPA laws.
Product: Debt collection

General Revenue Corporation has been calling both my cell and work phone numbers repeatedly during working hours despite me telling them that I can not accept calls at or during work. Today they called a colleague with a different phone number than my own, one that has no ties at all to me, and told her to give me a message. This is harassment and totally inappropriate. I am sending them a registered letter so they have the request in writing, but based on the experiences of other consumers, I do not expect this to be honored. I will send a second if needed, but I am not hopeful.
Product: Credit reporting or other personal consumer reports

XXXX ) Portfolio Recovery XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX 15 U.S.C. 1681 " GOVERNS ACCESS TO CONSUMER CREDIT REPORT RECORDS AND PROMOTES ACCURACY '' I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE ABOVE MENTIONED COMPANIES. HOW THEY OBTAINED MY INFORMATION AND HAVE IT SUBMITTED TO MT CREDIT REPORT WITHOUT MY PERMISSION IS A CRIME WITHIN ITSELF. THIS REQUEST IS TO HAVE THE INACCURATE INFORMATION PERMATELY REMOVED FROM MY CREDIT REPORT.
Product: Checking or savings account

I recieved a debit card in the mail address to my divorced last name. I went to Chase bank and told them I never opened a checking account with them. I closed the account. I filed a report with Chase but they can not take legal action. Since I know my information ( social sec #, address, name, email ) is out there, I want to take measures to protect it.