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

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Please be advised I have requested validation { not verification } of a medical debt reported to you by XXXX XXXX XXXX XXXX on XX/XX/XXXX. I received a response that clearly violates my rights according to HIPPA on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX, or the original creditor XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to the debt collection agency, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. Additionally, this debt was paid by FL XXXX. I have attached my benefits approval letter and XXXX ID card to prove my case was opened in FL. 

I reached out to XXXX, XXXX and Experian to let them know this debt is in violation of HIPPA but XXXX Or Experian didnt delete it form my report, while XXXX did delete it..
Product: Debt collection

The company is calling me repeatedly several times a day. I have asked them previously to cease contacting me. The changed telephone numbers and continue to contact me despite my request for them to cease.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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

I ordered the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This item was delivered and assembled to my home by XXXX ( XXXX, XXXX ) on XX/XX/XXXX. I  contacted the return service XXXX XXXX XXXX XXXX to schedule a return of the equipment because I was not happy with the device. XXXX emailed me back on XX/XX/XXXX and quickly arranged for equipment disassemble and pickup from my home which occurred on XX/XX/XXXX ; this was within the 30-day return window. Since that time Fortiva has harassed me daily to pay for the equipment, they refuse to let me speak with a manager or supervisor, and now they have begun  to destroy my credit. Product_Or_Service : XXXX XXXX XXXX XXXX XXXX Order_Number : XXXX Total {$3400.00}
Product: Credit reporting or other personal consumer reports

UPDATE PROFILE. 

DELETE THIS ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX, NY XXXX. 


DELETE INFO IN EMPOYMENT DELETE NAMES : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : LVNV FUNDING Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX {$4000.00} ; LVNV FUNDING Original Creditor : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$5200.00} ;
Product: Debt collection

La forma cmo disputan esta incorrecta, quiero que me expliquen porqu reportan high balance tratando esta deuda como si fuera credito y nunca recib cartas de esto pues soy clienta de ellos hasta ahora.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked XXXX XXXX, XXXX, XXXX and Factual Data to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX  Via Factual Data XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX 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

Transunion credit bureau has violated the FCRA AND CONSUMER LAWS by never deleting inaccurate ; multiple wrong last active dates, wrong amounts, wrong status, wrong opening date wrong date of last payment, and EVEN UPDATED CHARGE OFF STATUS ACTIVELY EVERY MONTH! LAST ACTIVE DATES ARE GROSSLY INCORRECT AND EVEN ACCOUNT TYPE. 
I have corresponded and begged for 4 months and they continue to ignore all of the proof I have attached here. 
Transunion has continued to report these false items as true on my credit report instead of deleting these numerous accounts as the laws state. 
XXXX XXXX  accounts XXXX  XXXX accounts and XXXX XXXX  WHICH HAS BEEN PAID TO XXXX ON XX/XX/23 This continues to destroy my interest rates, ability to have a vehicle, or buy a house on my fixed income of XXXX I need the credit to be correct and its only right to do so.
Product: Credit card

We are hoping that you can help us. If not, perhaps you can direct us to the appropriate person ( s ) or authorities to contact. 

As described in greater detail in the attached correspondence ( representing a portion of the entire correspondence ), on XX/XX/XXXX, we purchased a large-screen TV and related items for more than {$3000.00} pursuant to Best Buy 's interest free offer. We made all required minimum payments on a timely basis, but XXXX, the bank initially administering the credit card, incorrectly applied our payments and charged a ridiculous ( in excess of {$1000.00} ) finance charge. They ultimately admitted their mistake, but improperly corrected it, leaving a finance charge balance of approximately {$70.00}. 

After months of additional correspondence, they agreed to properly correct and eliminate all finance charges. Unfortunately, they never made the correction and the credit card administration was subsequently transferred to Citibank. We spoke with Citibank ( numerous times ) and shortly before the conclusion of the 3-year interest free period, on XX/XX/XXXX, we paid the entire correct remaining balance due to Best Buy. We also sent to Citibank, on many occasions, a schedule of all our timely payments, evidencing our payment in full of this account. 

Citibank chose to ignore our correspondence and evidence of timely payments and imposed a finance charge of {$2400.00} on the, according to their records, {$70.00} balance. We again called and wrote to no avail. Ultimately we spoke with Citibank officials who made various excuses ranging from needing cancelled checks - we made all payments via electronic transfer from Citibank to Citibank - to having no obligation to analyze any information from before Citibank began administering the account. 

I finally requested that they just sue us so that we could have our day in court and prove our payment in full. The unbelievable response was " that is not how Citibank operates. '' Instead, Citi will harass us and ruin our credit rating, regardless of whether we owe any amount. They are excellent at harassment. A computer calls our home phone many ( XXXX or more ) times every day, from before XXXX XXXX until after XXXX XXXX, weekday, weekend and holidays. They refuse to stop harassing, refuse to review the account and related correspondence and insist this is how they operate until they are paid what they erroneously think we owe them in full. 

As indicated up front, please help and/or direct us to the proper authorities. 

Thank you.
Product: Money transfer, virtual currency, or money service

I used WorldRemit to send XXXX $ to my father in XXXX on XX/XX/XXXX. But when he went to the local partner over there, they said the money is not available and the available pick up date will be on XX/XX/XXXX as mentioned on the receipt delivered after the transaction. 


I wasnt aware, I will never send my money to wait XXXX week for them to proceed the transaction. 

WORLDREMIT IS a scam and fraud. I want my money back in my account right now plus the compensation amount of time they are using my money.
Product: Checking or savings account

I was the victim of a scam to which Wells Fargo contributed. I was provided a cashiers check in the amount of {$1900.00} dollars which I cashed at Wells Fargo, where I had an account with approximately {$1200.00}. The cashier processed the check, provided the funds. 31 hours later I received notification from Wells Fargo that the check was not good and my account had been emptied by the bank to cover the amount. Additionally, I was charged {$670.00} to cover the {$1900.00} and charged a {$12.00} fee. My complaint and concerns are that at no time did anyone in the bank advise me that cashing the cashiers check would make me liable for the whole amount, notwithstanding that I didn't have sufficient funds in my account to cover the entire amount. At a minimum I should have been advised of that policy and I would have deposited the check instead and we would all have found out it was fraudulent and worthless. Instead, by extending me the funds in excess of my account holdings Wells Fargo contributed to the fraud perpetrated against me, however unwittingly. The delay from accepting the cashiers check for pay-out to the discovery of it being bogus - a full 31 hours - enabled the scammers to get away with their fraud. I own my duplicity in being scammed. However, current banking policy of paying out cashiers checks on demand notwithstanding the delay in verifying the authenticity of a cashiers check coupled with the bank 's automatic and apparently legal practice of plundering depositors ' funds to cover the bank 's inability to verify the legitimacy of a cashiers check is appalling. At a minimum when a customer is seeking to cash a cashiers check he/she should be informed of any risk to the customer 's account so that the customer can make an informed decision to deposit the check versus cashing it. Further, a customer shouldn't be allowed to cash a cashiers check in excess of their account holdings. The entire practice is deceptive and encourages scammers who clearly understand the banks ' practices and delays in verifying cashiers checks which are complicit in abetting scammers.
Product: Debt collection

I moved from my old home to my new home, during the process an unpaid electrical bill was left outstanding. I was unaware of this until I received a letter regarding the debt. After careful investigation on my part I determined the debt was genuine and called them to pay it. I asked if my credit report was affected to which I was told if I paid that day it would not be. I paid the debt on XXXX/XXXX/16, I received confirmation from the debt collector and have a bank statement showing the debt was paid. I continue to get calls every day from them seeking payment. The debt collector uses a automated system that makes you jump through hoops to speak with a real person. It can take up to 30 mins or more to finally get to a real person. I have called them three times now, each time explaining to the person the debt is paid. I give them the confirmation number and tell them stop calling me. They promise to resolve the issue, except the next day I will get called again, and again. I have had enough, and I think it is time they start paying me for the time I have lost calling them back. The debt collector still claims I owe the debt as well, despite my confirmation receipt from them and my bank statement showing them being paid.
Product: Debt collection

I contacted XXXX and FBCS Consumer Contact Solutions and they ignored my requests for validation.
Product: Credit reporting or other personal consumer reports

Dear equifax & XXXX XXXX XXXX XXXX To Whom It May Concern : This account was opened XX/XX/XXXX closed XX/XX/XXXX & reopen XX/XX/XXXX. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in XXXX. There comment of dispute in progress not on file thats a violation & its been over XXXX  days. XXXX  for proof Documents of me signing or payment history Inaccurate late payments XXXX. XXXX other XXXX these are closed accounts so they cant change them. The collection actually just have XXXX not XXXX or XXXX  days only XXXX. XXXX XXXX  has XXXX & XXXX & XXXX XXXX XXXX was reopened thats a violation. I want too see original documentation from these accounts in XXXX, I circle all these inaccurate things on these reports. Need fixed or deleted many inaccurate items i circled ALSO COULDNT PROVIDE ME ANY BANK DOCUMENTS. This is wild but everything in XXXX
Product: Debt collection

THIS IS A FOLLOW-UP REQUEST TO COMPLAINT XXXX. XXXX XXXX XXXX 'S ATTORNEY 'S DID PROVIDE DOCUMENTATION AS REQUESTED.IN REVIEWING THE DOCUMENTATION, I ADVISED THEIR ATTORNEY 'S REPRESENTATIVE XXXX THAT THE DEBT DID NOT BELONG TO ME. I ADVISED XXXX THE SIGNATURE ON THE CONTRACT IS NOT EVEN COMPARABLE TO MY LEGAL SIGNATURE. I PROIVIDED XXXX WITH A MEMO WITH MY SIGNATURE. THIS CLAIMED BEBT DOES NOT SHOW ON MY CURRENT CREDIT REPORT NOR WAS FUNDS EVER RECEIVED. XXXX ADVISED SHE WILL NOTATE MY ACCOUNT, SHE ALSO PROVIDED A FRAUD AFFIDAVIT, WHICH I FORWORDED TO MY ATTORNEY.
Product: Checking or savings account

XX/XX/year> called the bank to see who transferred my funds to another person they were not able to provide the information and have not replaced my funds Debit card was cancelled and was charged for a new one
Product: Student loan

I graduated from XXXX XXXX in Tennessee in 2010. I messed up my grades and lost some scholarships but continued my degree, financing with student loans, federal and private. After graduating, I discovered that they had been sold across the country and I was ineligible to consolidate them as my " income did n't meet criteria. '' I began to pay on the student loans and have had several slight issues that were easily and readily remedied. Then, XXXX of my loan companies, XXXX XXXX, sold all of my loan portfolio that was with them to Navient. My parents, in an attempt to help me pay down my student loans had agreed to pay off my highest interest loan ( a loan with 14.25 % interest, compounded daily ). They made an initial payment to make certain that it would be processed properly, of {$500.00}, on said loan. That payment ( plus my payment for the month ), processed properly and was applied towards the loan which they determined, the XXXX with 14.25 % interest. Here 's where things took a turn for the worse. They made another payment of {$8500.00} towards that same loan, making certain to notate that they wished it to go towards the loan at 14.25 % interest. According to their website, it showed that I now owed something near {$400.00} remaining on that loan. I continued to check their website, to verify that it would stay processed properly for almost a week. The first day I did n't check is when that payment ( the second, {$8500.00} payment ) got reallocated towards all of the loans in my portfolio, according to some matrix that no one can explain to me. I did n't catch this until I logged in in XXXX to make a payment. I noted the difference and was on the phone with Navient within the week asking them to reapply the {$8500.00} payment solely to the loan with 14.25 %. Easily done, they assured me, and told me to check back within the week. I checked back, and sure enough, they had reapplied the {$8500.00} payment towards the 14.25 % loan, but now they had taken away the {$500.00} payment and reprocessed it towards all my loans, and the loan, which, when initial payments were made, showed less than {$500.00} left on the principal, now showed over {$1000.00}. Since then, I have talked to numerous associates at Navient and tried to explain the situation to them, and a variety of assurances and civility have been shown me, but nothing has changed in the standing of that loan for all the talking that I do with Navient. They have had my loans for 3 months, and they have been messed up for 3 months. My parents are trying to get a payoff quote to pay off the remaining balance, but it should n't be over {$1000.00}, it should be closer to {$500.00}. I have been put on hold for over an hour before they 've hung up on me and I 've been asked to call back and I 've been told that the " line to the department who reapplies loans is down '' for Navient, and all of these have led this issue to continue, and I 've been told that it continues to accrue interest, compounded DAILY, while this issue continues to go unresolved.
Product: Credit card or prepaid card

Fortiva changed there credit terms and switched to XXXX. During that time my debit card was compromised in XX/XX/2023. I called them to get it changed to an auto draft from my checking account instead of a debit card. From that point forward they were still trying to draft with my debit card. Every month I was getting charged with a late fee. Then they had to refund me and was delayed in refunding me. It continued to happen the more I discussed it with them. I was so fed up I just paid the account off. Something, I didn't want to do. They even said they spoke with my husband and never spoke with him. They have always spoke with me. Their representatives never annotated that they spoke with me, which is fradulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit company reporting inaccurate information causing me higher rate on everything fcra violation and FTC
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

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

Please remove these unauthorized inquiries off of my consumer report immediately. They are affecting my credit report and tarnishing my reputation. 

These are the inquiries to have removed immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$0.00} Inquiries : XXXX XXXX Inquiry Date XX/XX/2020 XXXX Inquiry Date XXXX XXXX, 2020 XXXX  Inquiry Date XX/XX/2020 XXXX Inquiry Date XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

About a week ago I received updates on my credit monitoring service that XXXX XXXX has appeared on all 3 of my credit reports, I did visit the website but dont recall even signing up for it. I was under the impression that they provide an additional tradeline that would help add points to the credit reports, not show an additional debt for $ XXXX. XXXX in the process of buying a house & cant afford to add an 80 % utilization to my file. Ive tried contacting the company & have not received a call or email back which makes me believe its fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file a dispute with Equifax for over a year to remove XXXX XXXX from my credit report. Equifax remove XXXX XXXX but added it back. I have been disputing ever since. XXXX and XXXX have both removed XXXX XXXX from my credit report. XXXX XXXX no longer have the account. It is not fait ti me for them to continue reporting an account they no longer have. I tried contacting them to settle the collection and they did not have the account anymore. Please remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax score has not been showing up on any credit monitoring services such as XXXX XXXX, etc. since XX/XX/2023. 

Equifax account shows the following error after I log in : " Please give us a call and give this code to the Agent : XXXX. 
Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). '' I talked to their customer service agent and she had no idea what that is. She says she has escalated this issue to the technical support team and will hear back from them through email. I haven't received anything yet. 

I remember when I was trying to get access to my 'My Equifax XXXX account before XX/XX/2023, the rude customer service agent illegally deleted my SSN from my Credit File just because it did not have my most updated address on it. Even after giving him my old address to verify my identity, he said something along the lines of, " Because you do not have the updated address on here I will not be able to help you. ''