23daVinci/CFPB_Complaints huggingface dataset:
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. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a XXXX XXXX over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. XXXX XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureaus consumer report and I noticed some inaccurate information posted on my consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had a fraud alert added to my personal credit report it was due to fall off/ be removed on XX/XX/XXXX. I contacted the XXXX XXXX  to apply for a credit card and was told that the fraud alert was still there. I tried to reach out to customer service and cooperate and all I kept getting is the run-around there was no real person I could talk to
Product: Debt collection

I noticed a debt collection on my credit report in the amount of {$120.00} that I was never notified of this debt or nor was it ever validated or given the opportunity to validate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + WF Card Services, On a recent review of my credit reports I noticed there are unauthorized hard credit inquiries I would like removed - attached to this complaint are : drivers license social security card mailing address written complaint credit reports where located Please have these removed as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report and FTC to Experian special services fraud unit and they had enough evidence to block account ( XXXX XXXX XXXX XXXX ) and they did but XXXX XXXX came back and stated the account was verified. so I called XXXX XXXX and they stated the account was noted as fraud. Then the rep from XXXX XXXX stated they investigator did verified the loan was mine but the investigator was actually talking to the man who stole my identity but never contacted me. How XXXX can you get to contact the number on the contact from XXXX XXXX that was fraudulent. They gave a loan to a man fraudulent under my name who uses a South Carolina Address and I never had owned or lived in South Carolina, I live in XXXX NC! They have a police report and FTC report on file and I disputed the inquiry that day when the loan was given and XXXX XXXX XXXX the loan was fraud and noted. So why would they fund it. Then XXXX XXXX removed the inquiry as fraud. The XXXX with the fraud unit keeps talking to the man who stole my identity because he has the man number not mine! I will file legal suit against against XXXX XXXX, Now Experian Credit Bureau want even let me dispute it because XXXX stated they verified the account as mine, But how and why can't I disputed it again, I will file suit Against Experian if they don't fix this, I asked the rep with Experian for the verified information they got back from XXXX and the rep stated they don't have nothing except a check mark that its verified, SO they take the lenders would without proof versus mine with police report and FTC identity theft report and arrest report from they guy who stole my identity. They will get legal action if not fixed and removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) Experian, XXXX, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally FrauXXXX.
Product: Debt collection

Called me 7 times at XXXX XXXX  on XX/XX/23. All seven calls were made in less than a minute. I had also previously told them to stop calling.
Product: Debt collection

I requested original contract from XXXX XXXX it was never received. I am not liable for debt ; I demand it be removed from my profile. This has been continuous demand. This is an unauthorized collection, on my credit profile. It violates 15 usc 1681 E ( B ) of my rights.
Product: Debt collection

I understand I owe a debt. I went online and requested {$500.00}. I did get the {$500.00} into my checking account. I don't like the fact that they call me ALL the time. I borrowed {$500.00} and I'm not paying them back no {$2000.00}, I'm willing to settle to the account by making monthly payments of about {$50.00}. I under the interest rate, but paying back {$2000.00} is outrageous. A representative called me on a Sunday morning, I don't do business on the weekends. All these calls from different numbers don't make no sense at all. Stop the caller ID spoofing.
Product: Debt collection

Some one call on phone a lot my phone number and from variety phone numbers and give message on my answer machine and person want me know debt collect and give me website www.americacollectpay.com. I call on phone this phone number and from person I tell in here and XXXX XXXX and ring and later nothing on phone
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX HAS BROKEN THE LAW WHILE VIOLATING ME AS A CONSUMER!
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is inaccurate. 

XXXX. My name is XXXX XXXX XXXX. Also known as XXXX XXXX XXXX. I no longer work at XXXX XXXX XXXX XXXX. Never lived at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX
Product: Mortgage

XXXX   XXXX  had a note with Nationstar. The balloon payment was coming due as of  XXXX   XXXX ,  XXXX .  XXXX   XXXX  contacted  Nationstar  in  XXXX  of  XXXX . Nationstar advised  XXXX   XXXX  to continue making his monthly payment and Nationstar would work with him on getting the balloon payment refinanced.  XXXX   XXXX  continued to send monthly payments in  XXXX ,  XXXX ,  XXXX  and  XXXX . In  XXXX  Nationstar returned the  XXXX  and  XXXX  payment and advised  XXXX   XXXX  that he was in default and they would no longer accept payments.  XXXX   XXXX  was ultimately able to pay off the balloon payment in  XXXX  but  XXXX  continues to report to the Credit reporting agencies that  XXXX   XXXX  failed to make his  XXXX ,  XXXX  and  XXXX  payments. This is making him in excess of 120 days delinquent even though  XXXX   XXXX  made the payments.   We contacted  Nationstar  and attempted to resolve but they are stating that he was in default because he did not make the balloon payment. However, Nastionstar made an aoral agreement to accept payments and then accepted some of the payments but is reporting  XXXX   XXXX  did not make the payments. The credit report however says he failed to make the  XXXX  payment in the amount of {$770.00}, despite the fact that he make a payment of {$800.00}. Further he sent Nationstar the  XXXX  and  XXXX  payments, Nationstar is reporting them not made because they were returned. We have disputed the information with Nationstar,  XXXX ,  XXXX , and   XXXX  .  Nationstar  continues to insist the reporting was correct despite having received the payments in  XXXX ,  XXXX , and  XXXX  and being proved proof of the sent payments.  XXXX   XXXX  has been denied credit because of the negative reporting.
Product: Credit reporting

I called into XXXX Consumer Finance and have filed a complaint against XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX : an account I had with them XXXX. XXXX is the collection agency. I filed a complaint with XXXX ( XXXX ) and Experian ( XXXX XXXX to have them remove a collection from my credit reprt. I have had XXXX for years as my TV, internet and telephone service provider. XX/XX/XXXX, I spoke with XXXX of their sales reps that I was moving from my old home ( this home sold and closed XX/XX/XXXX ) to an apartment for one month till my new home was built ( XX/XX/XXXX ). The rep agreed for us to take the equipment to the apartment. They sent a technician that set up our TV and internet in the apartment. Around the middle of XXXX, I called in that we were moving to our new home and the sales rep stated that I needed to pay the {$260.00} in order to close the account at the apartment, I asked where did that come from and she said that I signed a contract. Of course I knew that was not true because we were moving to our new home. After speaking with her supervisor, I knew the conversation was going no where. At this point, I wanted nothing to do with them. I know that if XXXX XXXX XXXX ( the CEO and share holders ) knew what they were doing to customer they had for years, they would have intercepted. I believe that sales rep received some award for signing me up for a year. The plan was to take my old account with me. Somehow there was miscommunication, but I am the long-time customer, they should have taken care of me. 
Please look at my credit report. I have had impeccable credit forever. Why would I choose to not pay {$260.00} and mess up my great credit. I am credit worthy and because of XXXX of their sales reps, my credit score has dropped from the XXXX to the high XXXX. Being a XXXX, I know how important credit is, I would not jeopardize my credit if I owed this {$260.00} and chose not to pay it. Does not make any sense. 
I have clients that have had XXXX XXXX XXXX on their credit reports that they have refused to pay, now I know why. I would look at the amount and think why did n't they just pay them. It is the principle. I am now in that class.. 
Finally, I will attach a credit report from XXXX, stating they have removed this item from my credit report. Experian has chosen not to. I need Experian to remove this collection from my credit report. Please assist me in this matter. 
Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account name XXXX XXXX XXXX XXXX, account number 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. Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT REPORTS DIFFERENT INFORMATION IN THE AGENCIES WHERE THE ACCOUNT IS REPORTED, IT IS ALSO NOT REPORTED IN THE THREE CREDIT AGENCIES, ALSO INFORMATION SUCH AS THE LAST PAYMENT DATE, THE LAST VERIFICATION DATE, AMONG OTHERS, DOES NOT MATCH, PLEASE REQUEST TO DELETE IT IMMEDIATELY, FROM MY CREDIT HISTORY IN THE XXXX AGENCIES.
Product: Debt collection

Dept. of Ed/AIDV. {$.00} Dept. of Ed/AIDV. {$9700.00} I gave no authorization for my information be shared to a 3rd and the balance isnt accurate. 
XXXX XXXX XXXX XXXX {$230.00} Im unaware of any balance again no authorization was given to share my information also invalid information such as addresses etc XXXX {$720.00} XXXX XXXX XXXX {$410.00} I gave no authorization for my information to be submitted to any other agency XXXX XXXX XXXX {$1100.00} I gave no authorization for any of my information to be shared third party incorrect addresses information etc
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt.  XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Laws : 15 U.S.C 1681 section 602 A. States that 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.
Product: Credit reporting or other personal consumer reports

i looked at my credit report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX are not complete and accurate. 

i sent a letter to transunion and XXXX  on XX/XX/XXXX asking them to make sure everything is complete and accurate. and i also sent another letter on XX/XX/XXXX and here is my tracking numbers XXXX XXXX Its been over 35 days with no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

They also violated these laws And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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: Checking or savings account

I get lots of fee charge to my account always and keep happening
Product: Credit reporting

Dispute # XXXXTo Whom It May Concern : After carefully reviewing copies of all three of my credit reports I discovered that I was a victim of identity theft. I immediately took action by filing a police report as well as contacting all XXXX of the bureaus. I have recently furnished them with the appropriate documents that would verify and validate my stolen identity. 

However, I have made several attempts with Transunion via phone, certified mail, and online corresponding to get an unknown public record ( Bankruptcy ) that does not belong to me removed. As to date I have not received adequate help in resolving this issue. I have become very frustrated with this ordeal. Upon some of my many attempts to resolve the above issue with Transunion, I have experienced phone reps with language barriers ( non English speaking individuals ) trying to help me, representatives providing me with false information such as ( i.e. stating that they did n't have to verify or validate the accuracy of the unknown bankruptcy on my report ). 

Also, upon my request to inquire about Transunion 's methodology for verifying the Bankruptcy ( that is falsely reported on my report ) I was told by a representative that they did not have to furnish verifying that information to me. In short, I went to the courts to inquire about the bankruptcy and the courts stated that they do not verify Bankruptcy 's or any other public records for anyone by any method. The Clerk also stated, " that the credit bureaus often put incorrect public records and bankruptcy 's peoples credit files because they never request verifying information because the courts ca n't furnish it and that they have never spoken to any at a credit bureau. '' Contrary to the above, Transunion has not verified the bankruptcy # XXXX nor furnished me with any proof that they have verified the bankruptcy ; nor will they assist me with help on how to verify that it is not my bankruptcy. 

Lastly, not only has Transunion left me with inaccurate information on my credit report ; they have perjured/misinformed me regarding their means of verifying the bankruptcy. In congruence with the above, this has greatly impacted my life in a negative way. I am unable to move forward with my career and educational endeavors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX This account is not mine Delete it immediately Account : XXXX   XXXX This account is not mine Delete it immediately Account : XXXX XXXX  XXXX This account is not mine Delete it immediately Inquiries : XXXX  Mortgage I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately