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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX 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
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX VERIFICATION OF DEBT REQUEST RE : ACCT # XXXX XXXX ( YOUR BALANCE THAT YOURE TRYING TO COLLECT ) ORIGINAL CREDITOR XXXX XXXX ( AS STATED ON MY CREDIT REPORT ) Dear MRS BPO , LLC, I am reaching out to you about the debt you are trying to collect.. This letter is being sent to you pursuant to the Fair Debt collection Practice Act. 15 USC 1692G, SEC 809 A AND B WHICH STATES YOU MUST SUPPLY THE FOLLOWING INFORMATION. I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 
You must provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This proof must include. 
The complete and signed contract for the debt obligation which is the subject matter of this dispute. 
An itemized breakdown of what you claim the money is owed for. 
Explain and show me how you calculate the amount in dispute. 
Provide me with copies of any documents, ledgers, spreadsheets etc., that show that I agreed to pay this amount you claim I owe. 
Identify the original creditor. 
Identity the accurately describes any third-party cost for which you are charging me and that you have included in the disputed amount along with a complete itemized of all such charges. 
Provide me with any affidavit that the Statute of Limitations has not expired on this account.

The report credit report is showing one balance, and you are trying to collect a differ balance? Which is inaccurate information which then it is against the law and requires this to be removed. 
Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine. I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : a ) Violation of the Fair Debt Collection Practices Act. 
b ) Defamation of Character. 
Sincerely, XXXX XXXX
Product: Mortgage

Previously, I paid before on XXXX the weekend for a payment processed on the XXXX as a XXXX Pay. I am in the process of trying to stay ahead of recovering from a financial situation. I have been doing this fine up until this month. I have XXXX left to go on home purchased back in XXXX. Less than XXXX  years. 

On XX/XX/XXXX I tried to do XXXX pay but the system was down ; both the pay portal and the phone system. On XX/XX/XXXX, using pay phone since pay portal was blocked, I tried to do XXXX pay but was prompted to do XXXX pay which I could not pay on XX/XX/XXXX but could pay on XX/XX/XXXX. I called customer service to do XXXX pay to post on XX/XX/XXXX XXXX but customer service said they can not schedule the payment, the system won't allow it. 

I asked if any department could schedule the payment I was told NO but I would be able to call back on XX/XX/XXXX to pay and it will hit the account on XX/XX/XXXX. 

I am concerned that the amount will increase, and I would then have to wait until after XXXX, affecting other obligations. If I could schedule the payment, I would not have any issues paying my other obligations but I have to hold because I am not sure due to past issues with PHH.
Product: Credit reporting, credit repair services, or other personal consumer reports

To the associates overseeing the credit repair companies, I have been trying to correct my credit report because there is an account that is not mine being displayed on my report and it is very damaging. I have already contacted these credit reporting bureaus and disputed this account and the abuse I am getting from this company attempting to collect money I do not and have not owed and the companies refuse to show me a proper investigation. I was asking every one of them to tell me how this information was confirmed and what documents were received and reviews validations it and I have not heard from them or received anything. I do not owe these fund to this company and I have never heard of this company. This information was accidental ; y or illegal placed on my credit report. I do not know which is true but it must be removed immediately!
Product: Debt collection

In the beginning of this year, 2019, I had had an appointment for a XXXX XXXX scheduled with the XXXX XXXXt attempting to collect a debt through this credit agency. 
The debt is for what the XXXX XXXX office claimed was a " no show. '' I had told this office that I was hospitalised with a XXXX XXXX, and there was no way that I could make this appointment. 
They threatened me when I called them on the phone to resolve this issue, saying that they were going to pursue every legal action they could in order to force ( yes, they used the word " force '' ) to pay this amount - which is a very small amount. 
However, I told them I would not, based on principle, especially after speaking with the woman on the phone who became hostile, and at that time they said they were going to take action. 
I was told my a lady that works in the office ( she usually checked me in when I used to see this XXXXt ) that the debt/fine should be removed, and that whomever insisted on charging it at this office should not have charged it in the first place. But this particular lady did not have the authority to do anything about it. 
Even though the office had been given notice that I could not make it, they claimed I did not give them notice - but I have witnesses here that were in my home ( and not just family members ) - that will attest that what this XXXX XXXX office is saying is untrue/inaccurate.
Product: Checking or savings account

I was scammed into unknowingly depositing 2 checks for XXXX on XX/XX/XXXX if i knew it was fake i wouldve avoided depositing it, next day the funds are in the account but i wasnt awake yet but some way a scammer had access to my XXXX account i never gotten a message about my XXXX being logged into and the data shows no login but the money of the two checks were withdrawn by the scammer into my XXXX and sent to his scammer XXXX after such happened i tried looking at my bank and come to see that it was closed for the checks im a XXXX i couldnt really wrap my head around the situation until i heard that i had to pay it back and i couldnt bank with Bank Of America again once i heard such my heart broke i tried calling various times to see if i can reopen one with them or if i can appeal/reverse the closure but they said its final
Product: Debt collection

United Collection Bureau , Inc. ( dba XXXX XXXX XXXX ) has contacted me multiple times attempting to collect an alleged debt. I have demanded that United Collection Bureau , Inc. provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that United Collection Bureau , Inc. is authorized to act in loco creditore. United Collection Bureau , Inc. has failed to provide all of the information I requested.
Product: Credit card

I have asked XXXX XXXX XXXX to produce the original contract beating my signature on the authorization agreement for a few months now. The only thing they send is the letter I will attach and billing statements which do not legally prove that I requested the alleged account to be open in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX  and XXXX  has not been updating my current credit score appropriately. Even after collections are removed and credit usage drops tremendously, paid half of loan off, and car note drops. No score has been updated. Yes i feel discriminated against because of my race to keep my score low even when I paid everything and do everything to improve my score.
Product: Debt collection

In response to claim number XXXX, employees at Toyota Financial Services who is under the umbrella of Toyota Motor Credit Corporation failed to do their investigations and have shown no proof that they conducted initial investigations regarding the dealership. Anytime a customer relations matter occurs they must conduct an investigation to resolve all matters. Also how there be consideration provided to me when the application itself along with the promissory note ( the check endorsed for the dealer to take to the finance department ) were not only sold but the indirect and or lender never loaned not one cent. I funded the whole transaction and employees at Toyota on recording have already admitted that they sold the original in exchange for payment and return the funds back to me and a loan. This is a clear violation of Truth and Lending. Employees at the XXXX Companies are failing to conduct investigations which violates 42 United State Code 1983, 1985 and 1986 and are co-conspirators for failing to take preventive measurements regarding deceptive, fraudulent and unfair practices.
Product: Credit card or prepaid card

Booked a refundable trip through Chase travel. Could not travel to XXXX cause XXXX was not allowing Americans. We've tried to get our XXXX dollars back. No luck. Chase travel has since XXXX tried to get money back from XXXX air who best we can tell is insolvent. Disputes from Chase Bank says we can't dispute cause it is more than 180 days from the time of the flight. Chase travel never said this was an option until 2 weeks ago. Chase travel is waiting to hear from an insolvent airline to get approval to refund on our refundable tickets.. People need to understand that although these departments say chase the have nothing to do with chase Bank. Chase will not be responsible for mistakes that chase travel makes. No department at Chase will help us get our XXXX. You use a credit card for protection. Using Chase travel though Chase bank is no protection. Chase travel is not directly connected to chase we were told.. Chase won't cover looses secondary to covid even on refundable tickets
Product: Credit reporting, credit repair services, or other personal consumer reports

The account of XXXX XXXX XXXX is the result of fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with XXXX on XX/XX/2021, XX/XX/2021, XX/XX/2021 and filed a dispute with experian on XX/XX/2021 which was completed on XX/XX/2021 regarding this issue. My car was deemed a total loss on XX/XX/2021. The lender XXXX reported it to the credit agency as a closed account with a comment paid by insurance instead of paid in full with the amount that was paid. Ive spoke. With them multiple times and each rep has stated that I can dispute it and then itll get corrected and so when the dispute results came in XX/XX/2021 the only thing that changed was the comment nothing else. I did not willing close this account the account was still active when my car became a total loss, the check was back dated to XX/XX/2021 so I do not understand why the account will show closed instead of paid in full. XXXX sent me a paid in full letter on XX/XX/2021. But are not reflecting the information correctly on my report.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX  XXXX XXXX Nevada XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts due to my being a victim of a recent data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX - XXXX - XX/XX/year> - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/year> - {$00.00} Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion  and XXXX is incorrectly reporting that all 20 of the closed federal Dept. Of Education account were late on the same exact dates of XX/XX/XXXX thru XX/XX/XXXX which is impossible. I never had 20 student loans with the Dept. Of Education. Secondly, the loans were all not applied for at the same time frame. The loans I applied for were all in separate semesters, I never took out more then 1 loan at a time. I don't believe its possible to receive 20 loans at the same exact time. All 20 accounts have the exact same account number which is not possible, so I'm being penalized for being late on one student loan account 20 time which is gravely hurting my credit. Which I was never late because they were all deferred and are still deferred so I couldn't of missed any payments because they were never due!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX  gas credit card through XXXX XXXX  on XX/XX/21. I was denied, reason applicant is deceased. I assure you that I am not dead. A hard inquiry was listed on my credit report which I dont understand since XXXX XXXX  told me Im deceased. I called XXXX XXXX  and spoke to both them and their XXXX services department. Neither could give me an explanation on why I was listed as deceased. They told me to contact the three major reporting agencies. I contacted XXXX. After several hours on the phone they told me nothing in my file indicated that I was deceased. Next I tried to contact XXXX. Their automated prompts doesnt have an option for my particular issue and it is impossible to speak to a live person. 

Can someone please get to the bottom of this? I want to know where XXXX XXXX  got their information since they could not provide me with an answer.
Product: Credit reporting or other personal consumer reports

I have names and addresses that does not belong to me on my credit report. 

The name XXXX XXXX is on my credit report which is NOT me. 
Address other than XXXX XXXX XXXX XXXX XXXX XXXXXXXX are also on my credit report which is incorrect.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to bring to your attention a matter regarding late payments on my credit report that resulted from an unfortunate and unforeseen circumstance. I am seeking your assistance in rectifying this situation. In XXXX XXXX, I encountered a significant life event that impacted my ability to manage my financial obligations. I was involved in a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. During this challenging period, I regrettably overlooked the timely setup of payments for my account. As a result, XXXX consecutive months ' payments were missed, and the creditor reported these instances as late payments to the credit bureaus. I understand the importance of maintaining a positive credit history, and I have consistently strived to fulfill my financial responsibilities in a timely manner. Prior to this incident, my payment record with was unblemished, with no missed payments.
Product: Credit reporting or other personal consumer reports

I am deeply concerned about the derogatory rating on my account and its significant impact on my credit standing. This negative mark has already resulted in the denial of a recent loan application and triggered increased interest rates on my existing credit accounts. The financial and emotional distress this situation has caused is severe and will continue until this matter is properly resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its has been since XXXX of XXXX to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to EXPERIAN. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau , EXPERIAN. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/XXXX to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts XXXX. XXXXXXXX XXXX XXXXXXXX and XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXUnauthorized Inquiries XXXX. TXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please verify these credit inquires that pulled/ viewed my credit without my permission. Within 5 business days in compliance with FCRA. EXPERIAN has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to both XXXX XXXX XXXX XXXX and Equifax to correct the status and reporting history of a previous XXXX account. XXXX is reporting the account as charged off as of XX/XX/16, but is still showing that the money is owed and continuing to report the account as late. I have received documentation from XXXX that the account was indeed charged off on XX/XX/16 and provided this to Equifax. Equifax is stating that when presenting this documentation to XXXX, they are stating that they are allowed to report the status of this account is this manner. The account is causing me to not be able to secure a location for my family to live.
Product: Student loan

XXXX I took a loan for XX/XX/XXXX for school withXX/XX/XXXX and ended up with navient ..I took out a high loan and paid it off just to start having credit im cure toy paying this loan off to my banks please help. I completed the task but it was my own hard work that got me where I was I gave up being a XXXX  no longer in the profession please help
Product: Credit reporting or other personal consumer reports

XXXX XXXX doing business as XXXX XXXX failed to notify me in a timely manner of the compromise. Far more than thirty days passed before I received details of the intrusion- was I effected ; what was lost in the intrusion. 

Further about 60 days passed before I was made aware of free credit monitoring, etc. 

Phone calls to them resulted in a run-around and no concrete information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now disputed this 3 times and you keep closing this telling me this is a duplicate ... This is NOT A DUPLICATE. This is not mine and should not be on my account. They have not sent any proof this is mine and I have never been to where these bills are for. Please look into this as I need these removed from my credit report. The last compliant that you said was a dup was XXXX
Product: Checking or savings account

I have BMO Harris - relationship checking account.

It seems this BMO Harris - online banking is done by some really incapable people because nothing works. On top of that - their support is really pathetic - one after the other transfer and they have no idea what they are supporting. 
I had an issue to open the account online. Later I need to spend 1.5 hours on phone to get the account opened. Now I am getting another issue : warning -> You must validate your email address before you can transfer funds. 
When ever I want to transfer money out of BMO to external bank account. I am getting the warning message that " You must validate your email address before you can transfer funds '' due to this funds can not be transferred from BMO account to some other accounts of mine. 

I put the same code that I got on the email but still the same issue. 
Called BMO at around XXXXXXXX XXXX  Central time - no help from customer service and then useless phone transfer.