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

I have attempted several times to dispute an duplicate remark on my credit report with Transuion, by two written request, also by online disputes ( two separate times ) and also by telephone by speaking to a live customer service representative on two occasions. I have a credit card account that I did not pay and unfortunately it was charged off, since then this company has sold my account to an collection agency who is also reporting the same account information. I submitted several request to remove one of the item as this is an duplicate. Per Transunion reponse : the dispute is not specified. I have ask Transunion to remove one of the account ( preferable XXXX XXXX ) since they have sold to an outside collection agency XXXX XXXX  due to duplicate item. Also this has lowered my score to XXXX points which is lower than what the original credit score previously before this dispute. Transunion has placed credit one acct under collection and placed the outside collection under another category, which is double jeopardy. I have ask for a breakdown for the drastic decreased points however customer service has refused to review with me. I am trying to see what is my rights in this situation should an account that has been bought and sold to an other agency, which i am not disputing but should the original creditor still be present on the credit report as well : my score has lowered more with this dispute versus the original credit report which they categorized under negligent account. Now they have just added/ or moved what it was originally to a separate category. which is negatively impacting my score even more. Possible Double Jeopardy Please help! Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

Unrecognized hard Inquiries that I didnt authorized. Went to a dealership they ran my credit multiple times without my approval. 
I wan na delete these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 receive a cancellation on debt on XX/XX/XXXX, for account # XXXX, meanwhile Macys is still reporting and colleting on this card, when by law they can not, they cancel the debt since it was froud. I contact the recovery department who is Citibank internal recovery on XX/XX/XXXX i spoke to someone by the name of XXXX ID # XXXX who told me i owed the money and it would be reporting on my credit until i paid it. I explained that i pay taxes for that debt, i asked to speck to supervisor or mananager, she told me that Managers or supervisors dont speak with Debtors.
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My identity was stolen in a data breach, and now a collector contacts my employer several times a week. 
They call me regularly on my cellphone even after I have asked them to stop. 

The phone number they keep calling me from is XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the several time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$3700.00}
Product: Credit reporting or other personal consumer reports

I have tried for the past 4 months to update my credit report. 
My personal information is wrong. 
I sent my utility bill, a copy of my social security card, and a copy of my driver 's license. 
This is my information XXXX XXXX XXXX XXXX XXXX 
XXXX KY XXXX XXXX XXXX 

I have never lived on XXXX XXXX. 
I have never lived on XXXX XXXX XXXX. It was a business.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any Items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Funny payment applications - I have a XXXX balance but they say no payment is due. I make payments regardless, but doubt they are being applied. IT HAS BEEN 12 YEARS! 

Its Navient in case anyone wonders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very XXXX! My underlying reaction to the inaccurate thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Commonly by law, you should react within 30 days. During these troublesome occasions, all of you have been given an expansion which I comprehend. In any case, it has been well over the augmentation period given. I have prompted you on in excess of 3 unique events. I am beginning to accept this is a slow down strategy on you folks ' end. I interest in your organization eliminates this blunder from my credit report or face case. In the event that you don't eliminate this off-base data quickly, I will document a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my reports and types of correspondence with you on this issue simply if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to participate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered answerable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome monetary period. In the event that your next reaction to me is definitely not a unique application with my mark on it or a letter expressing that the deceptive data that is infringing upon the Fair Credit Reporting Act isn't erased I will proceed with my FTC objection. As demonstrated by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your itemizing organizations could fax, mail, or email in a bogus record. I interest to see apparent proof ( i.e. : a remarkable buyer contract with my imprint on it ) that you have on the archive for the record recorded underneath. 

Your powerlessness to emphatically check these records has hurt my ability to get credit. Under the FCRA, off base and strange data must be erased from a customer 's credit report.
Product: Credit reporting or other personal consumer reports

I am disputing the reappearance of the following item on my Transition and, XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ], which was removed on [ XXXX XXXX XXXX  ]. This reinsertion violates the Fair Credit Reporting Act ( FCRA ) in the following ways : Section 611 ( a ) ( 1 ) ( A ) requires a timely investigation of disputes ; Section 611 ( a ) ( 1 ) ( B ) mandates the removal of inaccurate or unverifiable information ; Section 611 ( a ) ( 5 ) ( B ) requires notification within five business days for reinsertion. The item has reappeared without proper validation or notification. I request its immediate deletion, and I am seeking assistance from the CFPB to resolve this matter.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY 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. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX CARD # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : Federal # XXXX Account XXXX : XXXXXXXX XXXX XXXXXXXX # XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX # XXXX Account Name : Federal # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. Please repair the account below : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. Cooper is in violation of the CARES Act by reporting late payments to the credit agencies while the property was in forebearance as a result of the COVID emergency. 

Mr Cooper has the following in its possession 1 ). the approved forbearance letter from Mr. Cooper, dated XX/XX/2020 for the time period of XX/XX/2020 through XX/XX/2020, 2 ). notice from Mr. Cooper that the mortgage was paid-in-full on XX/XX/2020 and 3. ) XXXX credit report showing late payments for XX/XX/2020 and XX/XX/2020. 
I have spoken with four individuals at Mr. Cooper on XX/XX/2020 ( two contacts ), XX/XX/2020 and XX/XX/2020. There is a credit dispute on file with Mr. Cooper, dated XX/XX/2020. Mr. Cooper 's claim is it takes 30 days to resolve. This is unacceptable in that it is a violation of Federal law and should be remedied immediately. Additionally the credit error is preventing me from proceeding with a refinance on my primary residence mortgage which has negative financial implications.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I XXXX XXXX XXXX am writing to file a formal complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX XXXXXX/XX/XXXXPursuant to XXXX XXXX XXXX, I believe my rights under the FCRA have been violated in the following manner : XXXX. XXXX XXXX XXXX XXXX has made no effort in helping me, resolve this repo collection on my credit report. Its been in stagnation since XX/XX/year>. This repo collection should be reporting accurately every month, & its deeply effected my credit report. The account hasnt been updated since XX/XX/year>. Shouldnt the account be accurately reporting every month and updated? This is against the FCRA REQUIREMENTS & REGULATIONS. This repo collection is only reporting on Experian. This repo was also reporting XXXX accounts at XXXX point. I got XXXX accounts deleted off of XXXX and XXXX. But theres still the repo on Experian. 

XXXX. ) Ive had multiple disputes trying to get this repo off my credit report with no efforts. This collection account is hurting my credit report. 

This violation has resulted in significant harm to my financial well-being and has adversely affected my ability to obtain a good credit score, also have the ability to buy a nice house, as well as getting a secure job. 

I have attempted to resolve this matter directly with XX/XX/XXXX XXXX XXXX but my efforts have been unsuccessful. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to investigate this issue and take appropriate action to rectify the violation. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take any necessary enforcement actions to ensure compliance with the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX Resurgent Capital Services sent me a collection notice starting that they manages an account from original creditor XXXX XXXX XXXX, XXXX. regarding current owner LVNV Funding LLC which is a collection company as well stating they have initiated a review of the inquiry to collect a debt for the amount of {$2600.00}. I responded with a letter to validate the debt that they say I owe to them and who gives them a right to collect the debt. This company has not been able to properly validate this debt as of yet. I received a response from them in the mail on XX/XX/XXXX with the account summary of a debt with borrower information including name, address, city, and state, zip code and current account information with the owner which is LVNV Funding LLC, Resurgent reference # the original creditor name and account #, current balance due amount which is {$2600.00}, and date of last payment XX/XX/XXXX. The historical account information stating the original creditor for the account, the origination date, the account charge off date, the account was acquired on or about, the account balance at the time of acquisition. I also received another letter of a bill with my name on it stating I owe this amount. Another validation letter sent to XXXX XXXX , XXXX for the same amount on XX/XX/XXXX asking to properly validate this debt returned with improper validation. Another letter went out on XX/XX/XXXX to properly validate this debt and still not able to validate correctly to prove that I owe this company or the debt. This debt still appear on my XXXX credit reports only. I want this company to stop reporting this to my credit reports because it does not justify a debt I owe and who gives them the right to collect it.
Product: Credit reporting or other personal consumer reports

these account /collections are not mine remove os mi credit report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX 2014 I received a quote from an XXXX for some commercial work for XXXX. ( Their business name is " XXXX XXXX '' ) They did not complete any work, but sent me a bill for XXXX. They would never provide any documentation of signed work orders or anything to show they did the work they want money for. ( I had hired another XXXX that gave a better quote ) They sold my " bill '' of {$800.00} to Southwest Recovery Services and I have now received massive amounts of threatening phone calls to XXXX line. I have requested something in writing, they tell me I 'm stupid and do n't need it, I told them not to contact me at that number, they said they do n't have to listen to me and can do what they want, they said they will sue me, and then told my employees on the phone that I 'm a deadbeat that they need to quit because I do n't pay bills and wo n't pay their paychecks and I 'm a wanted criminal for this debt. My employees told her also to stop calling the business line and they hang up on them and call back to try and get someone else to answer. The harassment has been going on for months now and I ca n't take it anymore! Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached ID theft report detailing impact to my consumer report as a result of identity theft.
Product: Money transfer, virtual currency, or money service

Oportun found at https : //oportun.com/ is an XXXX Banking and it takes money out of your account that you are not using. 
When I tried to pull my money out and transfer the money back to my account it does not allow me to. 
They have no person who I can call just an email chain and a run around. I have been trying to access my money for a month and no progress. I keep sending tickets and I get put through more issues. 
I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just want to bring to light this company 's shabby service. In a response to a previous investigation, Navient still fails to get the information correct? Really what good does this do? Navients own reply contains erroneous information. They come back with all of this technicality and validity in their eyes but still ca n't get it right. They make mistakes when they cover there mistakes!!! Is there no system in place to catch mistakes? How can an initial payoff check proceed the final payment by 5 years?? I am done, done, done. I have enough evidence to substantiate my claim. Enough chances have been granted. Navient will hear from my attorney. I am more than willing to put this on the forefront so that something is done to highlight Navients inadequecies for the greater good!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an existing account with XXXX XXXX XXXX - a AutoLoan. back in 2017 I was no longer able to keep up with the payments, and it went into collection - The collector was XXXX XXXX XXXX from Texas. - However I paid that off! And I requested pay per DELETION letter which they sent one to me! I am trying to submit to the bearues all three of em! Experian - XXXX and XXXX! Its coming back as Verified? Im not trying to verify the collection account Im trying to DELETE IT! Since I have Deletion letter from the debt Collector should no longer Exist on my REPORTS! They have failed to properly Investigate my Dispute! And DELETE the existing information!
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. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXXXXXX XXXX  XXXX .... Balance : {$5500.00} ; XXXX XXXX XXXX XXXX. Balance : - ; TXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Balance : {$3600.00} ; XXXX XXXX XXXX XXXX .... Balance : {$4200.00} ; XXXX XXXX .... Balance : {$8200.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$340.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$4700.00} 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: Student loan

I attended XXXX University for XXXX school and have a private loan through the university that is serviced by a third party lender, XXXX XXXX. In XX/XX/XXXX, I made an early payment ( usually the loan is due the XXXX of each month ). I did not realize that the payment ( which I received electronic billing ) went all to principle. A few days after the XX/XX/XXXX, the university financial office called to inform me that I had fallen behind in payments. I have made payments every month on time since it has come out of the grace period from graduating residency. I immediately made my XXXX payment - which finally was applied to the " bill '' which had the loan interest included. XXXX rolls around, and I try to pay with electronic account from my checking. It is understandable that I could have made an error once with punching the numbers in. That particular payment was not processed. I tried again to make a payment online with direct checking numbers - and again, it was not processed. I had been paying with this account for every month prior. I finally called on XX/XX/XXXX to make a phone payment - which by the way is a {$10.00} transaction fee. If you use a credit card or your debit card, then it 's XXXX dollar fee plus a 3.75 % interest fee on top of that. So I make the phone payment after talking to a representative from XXXX telling her it was for my XX/XX/XXXX bill. Now my university again calls me - on XX/XX/XXXX - stating I am late on my XX/XX/XXXX payment. I log-in to my account and much to my chagrin, the lady who applied my payment on XX/XX/XXXX for a XX/XX/XXXX bill - APPLIED IT ALL ON PRINCIPLE!!!!!! Why would I apply a bill payment to principle that is due IN ONE WEEK? I asked to make my payment for XX/XX/XXXX to the lady at XXXX  - either this is intentional and a scam to make additional late fee money - or this employee and subsequent company is one of the most inept businesses/lenders.
Now I am being harassed by my alum/institution for a payment that was never late. I 'm glad I went to school all these years to XXXX XXXX and be raked over the coals by my institution and their inept third party lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does not give you the option to dispute outdated negative information on credit file.