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

I have XXXX XXXX XXXX credit card. At the beginning of the pandemic I was laid off from my job and became homeless and lost my phone. During this time I fell behind on my credit card payments. I eventually regained my phone and a place to live. I spoke with XXXX XXXX over the phone and explained my situation and what happened due to the pandemic. They explained what they could do with extending payments and forbearance and so forth. The agent advised me that if I could come up with a minimum payment of {$25.00} that XXXX XXXX would remove the late payments from my credit report. I paid the money, however they have reneged on the agreement. I spoke with an agent yesterday and he expressed concern but said he couldn't do anything. He suggested I contact you guys. I wa a victim of circumstance during pandemic, I caught up the payments and haven't fell behind since. This isn't right, they lied to me and are impacting my credit score greatly. I am unable to buy home due to this. Please make them make it right. Ple
ase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have filed numerous FTC reports about the issue. I have disputes these account with the credit bureaus. They have not removed them, and have not proven that they are mine. A signature or contract can not be produced with any of these accounts.
Product: Debt collection

A collection law firm ( MITCHELL B. BLUHM & ASSOCIATES LLC representing XXXX XXXX XXXX XXXX  ) mailed a collections letter to my MOTHERS address ( I haven't lived there in 20+ yrs ) on XXXX for {$1900.00} for a medical bill datedXX/XX/XXXX. 
I have never received a bill for this and have a top tier insurance policy. I spoke with them and did give them my personal info to assist the representative in my case. My insurance company XXXX said that the claim was NEVER sent to them and even tried to speak with the collector. They would not process the claim because they said it had timed out and would only take collection payments. THIS IS A SCAM, Please help!! 
They have made threats to hurt my credit score. Please Help!! There have been many complaints and law suits against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below has violated my federal and protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXXXXXX ( 3 ) Account XXXX  XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX 15 US Code 1681a ( 2 ) ( B ) states that the term consumer report does not include any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

15 USC 1681 Section 602 A states i have the right to privacy.

15 U.S. Code 1681s-2 ( a ) ( 1 ) Responsibilities of furnishers of information to consumer reporting agencies. It is the duty of the furnishers of information to provide accurate information.

1 ) PROHIBITION ( B ) Reporting information with actual knowledge of errors.

A person shall not furnish any information relating to a consumer to any consumer reporting agency. If- 15 US Code 1666b states a creditor can not treat a payment on a credit card account, under an open-end consumer credit plan as late for any reason.

2021 IRS publication 4681 states '' Charge Offs '' when placed on a consumer report is defined as a gross or ordinary income. Income does not get reported on the consumer report which is in fact is what you are reporting as inaccurate information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is my final opportunity to Cure and DELETE This Erroneous, Inaccurate account from my Consumer Report.
Product: Credit reporting or other personal consumer reports

I have coresponded with XXXX and their collection agency for months to update my credit report and they continue to report inaccurate information. The last request was on XX/XX/year> with no response to my phone calls or letters.
Product: Credit reporting or other personal consumer reports

I have disputed several accounts with XXXX, XXXX, and Transunion on my credit report. They are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. My data was involved in a data breach which caused identity theft. I reported this to them along with documentation and it still shows on my report. They never investigated anything just denied my disputes multiple times.
Product: Debt collection

{$770.00} being reported as delinquent when I didnt contract with this agency.
Product: Credit reporting or other personal consumer reports

Experian, I was a victim of identity theft - please see attached credit report as well as FTC ID Theft Report. Please have these inaccurate items removed and fixed from my credit report immediately. 

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

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX  XXXX How is XXXX XXXX reporting the account type as Open, while Experian is reporting the account type as collection? Which one is it? Is it open, a collection account or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX XXXX not supply that information to you? 
XXXX XXXX is reporting the date last active as XX/XX/XXXX and Experian is reporting it as XX/XX/XXXX. Which date is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the blow companies requires that provide detail of application and that these are Fraudulent inquiries and please have them removed Immediately and had no reply. XXXX XXXX ( XXXX XXXXXXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I reached out to Tranunion via dispute several times to investigate this late payment on this account. When a dispute was open i requested that they verifiy this information to be correct and send method of verification. They failed to do so and still are reporting as late when the other credit bureas are reporting 100 % on time payment. I sent them this proof as well. In addition under 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 I am demanding that they update this account to never late and 100 % payment history as this is damaging to my credit.
Product: Debt collection

I got alert from credit reports this about this collections company. I've never owed had XXXX account. I contacted XXXX customer service I was given very little information as they couldn't verify my info on file I was giving them and told me this is most likely fraud account. I opened dispute on XXXX and this collections is coming back as accurate. I've never owned had XXXX services. I have same company for over 20 yrs. They have Wrong person in collections
Product: Credit card

XXXX an individual opened a credit card with my personal information in capital one ( venture card ) after receiving the email immediately contacted capital one asking to cancel the card. Wasnt aware of this I am not the one who opened the account. Capital one sent me a letter stating they will investigate an subsequently sent a letter of closure. They have failed to, do, so,
Product: Debt collection

Westlake Portfolio management have listed charge off on a paid debt 100 %. They never contacted me about this debt, Ive tried calling them and they never responded but enter a charge off. I need this debt verified that I owe them with my signature. They never contacted me
Product: Debt collection

I HAVE ATTEMPTED TO RESOLVE THIS DEBT WITH CREDIT COLLECTION SERVICES ON XX/XX/XXXX. ON XX/XX/XXXX THEY STATED THAT THEY COULD NOT LOCATE THIS FILE IN THEIR SYSTEM. IF THEY CAN NOT LOCATE THE FILE HOW OR WHY IS THIS ACCOUNT REPORTING ONMY CREDIT? AS I STATED ON XX/XX/XXXX THIS ACCOUNT IS A RESULT OF IDENTITY THEFT AND IT NEEDS TO BE REMOVED FROM MY CREDIT PROFILE IMMEDIATELY. THIS COMPANY CONTINUES TO VIOLATE FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. THIS IS MY LAST ATTEMPT TO FIX THIS ISSUES BEFORE I SUE THIS COMPANY FOR 2X OF THIS ALLEGED DEBT WHICH IS COVERED UNDER THE FCRA AS WELL AS ALL ASSOCIATED LEGAL FEES. I HAVE ATTACHED A COPY OF THIS ACCOUNT STILL REPORTING ON MY CREDIT AS WELL AS THIS COMPANY RESPONSE THAT THEY CAN NOT LOCATE THIS ACCOUNT. STOP COLLECTION PROCEEDINGS AGAINST ME AND REMOVE MY INFORMATION FROM YOUR DATABASE. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Payday loan, title loan, or personal loan

On complaint XXXX I have received a letter from TitleMax stating they sold the vehicle and there was {$1600.00} SURPLUS and the letter states that a check is enclosed- there was no check enclosed, therefore I have n't received the surplus amount. 

I have called TitleMax on X/XX/2017 and they say they ca n't find me in their computer system and a manager will have to call me back. This is unacceptable. The letter clearly states at the bottom that a check is enclosed and yet no check was received and NOW they say they ca n't find me in the system.
Product: Payday loan, title loan, personal loan, or advance loan

I have been trying to get my overdraft fee returned from their error. They told me to send proof of overdraft and they would refund it. I have sent the statement from XXXX XXXX XXXX  verification. Several weeks later I am told that wasn't good enough. They want a statement with that on it. I sent that in. Several more weeks and I call again and am told nothing has happened yet. I waited another couple weeks and called again and was told it was escalated to supervisor. I waited another week and called again to be told it was kicked back so the sent it to a supervisor to sign. I waited about 10 days and called again and told that if I don't hear back in 2 days to call back. I missed the call but called right back and was told it was denied and I had to get more proof from the bank to send to them. I said that I would and I would also file complaints against them for this runaround they put me through and the representative tried to tell me that I couldn't and stopped. I got more proof from my bank and sent it in. It has been almost a week and still nothing from them.This has been over 3 months. Please help me with this. I am a XXXX  citizen and this is very XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Experian for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/XXXX with complete attachments of my XXXX information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Experian is given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX
Product: Debt collection

XXXX XXXX XXXX has called me several times from Unknown Number. They called three times today and I answered the third time ( XX/XX/XXXX ). I asked them, isnt it illegal to call from an unknown number, and he stated that his company does not do anything illegal. They also called me from an Unknown Number twice on Thursday, XX/XX/XXXX, and I did not answer.
Product: Payday loan, title loan, personal loan, or advance loan

I had a personal loan from 1st Franklin, XXXX XXXX and XXXX XXXX. The loans were done during the few years of the pandemic and I lost employment and have been since then trying to recover. The accounts have all been placed in collections and charged off and the information from the accounts are being furnished illegally.

( 1st Franklin ) reported balance : {$1200.00} date of the account : XX/XX/year> *the account was charged off as bad debt profit and loss write-off by the company ( XXXX XXXX XXXX XXXX reported balance : {$400.00} date of the account : XX/XX/year> *the account was charged off as bad debt profit and loss write-off by the company ( XXXX XXXX ) reported balance XXXX {$1000.00} date of the accountXXXX *the account is charged off as bad credit and sold to another lender
Product: Payday loan, title loan, or personal loan

I DONT HAVE A LEGAL OR ANY CONTRACT WITH 1 ) SUN LOAN CO 154 2 ) SUN LOANS 151 3 ) SUN LOAN CO I HAVE DISPUTED THESE 3 COMPANIES WITH XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX AND THEY ALL WAYS LIE AND SAY SUN LOAN HAS VERIFIED THE DEBT IS MINES,
Product: Credit reporting or other personal consumer reports

It was founded for XXXX XXXX XXXX who reported on {$330.00} on XX/XX/2023. After investigation it was to be removed from my credit report and Transunion has failed to do so. Please have Transunion remove this from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX Acct # - XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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

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

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card

I was charged for services that I did not request or authorize by Best Buy XXXX XXXX dating back to XXXX of XXXX. The charges began to show on my account on XXXX of XXXX. I have contacted both Best Buy and Citi Bank to have this problem fixed multiple times a month for the past 7 months. Each entity states they have erased the fraudulent debt but it is still reporting on my credit and tremendously destroying my once impeccable credit score. I am continuously on the phone with both entities and they do not seem interested in reversing the illegal activity that they have roped me in. Please help.
Product: Debt collection

Dear LVNV FUNDING LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting

There is an account listed which is not verifiable and outdated XXXX past the statue. I have disputed several times and verification requested and no resolving. Please help with this XXXX XXXX account listed # XXXX
Product: Prepaid card

I returned an item at Dick 's Sporting Goods in XXXX Michigan on XX/XX/year> and was issued a gift card for the return in the amount of {$100.00}. Today, XX/XX/year>, I attempted to use the gift card to make an online purchase at Dick 's Sporting Goods only to find that the card did not have any balance on it. I contacted the phone number on the back of the gift card ( XXXX ) in search of resolution. I was told that there was no balance on the card and that there would be no reimbursement or resolution forthcoming, resulting in me being out the {$100.00}. I attempted to escalate while on the call only to be told the same thing by 2 other people ; no reimbursement/resolution. I have the receipt from when the gift card was issued for {$100.00} as well as the physical gift card ( it never left my possession between XX/XX/year> and XX/XX/year> ). I'm seeking return or access to the {$100.00} owed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported the company for identity theft and for debt validation with the credit bureaus on XX/XX/23. I have reported them to the FTC as well. I sent them a letter notifying them of the dispute and investigation and a cease and desist on the debt collection pending investigation and validation. They have not responded to anything or about anything. Since the dispute was commenced. They are in violation of 15 USC 1692g ( b ) and 18 USC 1028.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score/report and needs to be looked at immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account, I do not have a XXXX  account before. I have try to called them to get this off my credit and tell them keep give me the running around about this. My name have been change since XXXX i do not go but the last name XXXX  anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from Experian. I noticed unauthorized inquires on my credit report, legally these unverified and unauthorized items must be removed according to the FCRA. There was an unauthorized inquiry from XXXX XXXX XXXX XXXX on XXXX XXXX, there was an unauthorized inquiry from XXXX  XXXX XXXX XXXX on XXXX XXXX, there was an unauthorized inquiry from XXXX XXXX XXXX, and on XX/XX/XXXX, there was an unauthorized inquiry from XXXX  XXXX  XXXX on XX/XX/XXXX, there was an unauthorized inquiry from XXXX XXXX on XX/XX/XXXX, there was an unauthorized inquiry from XXXX  XXXX XXXX XXXX on XX/XX/XXXX, and there was an unauthorized inquiry from XXXX on XX/XX/XXXX. I want these inquiries removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company, TransUnion is inaccurately reporting numerous invalid inquiries on my credit file, negatively affecting my ability to obtain credit. Once I learned of this, I began to investigate how this could have happened. I've learned that this company had incorrectly added inquiries to thousands of consumers credit files. I believe that I was also a victim of this error. I called their customer service, however they would not help and take care of the negative inquiries reporting to my credit report. 

There are currently 17 inaccurate inquiries on my TransUnion credit file.