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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete these inquiries XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has the worst customer service ever I called to ask about a account I never seen before because I got a alert and the dispute department was rude and lied to me telling me that fraud department had no number to call and that I could not be transferred I was then hung up on and argued by a XXXX XXXX the supposed supervisor! I was explaining that I never ever did business with XXXX a collection account and do not have no knowledge of them!! I never had XXXX XXXX at all ever in my life!!!! Like what in the world is that company anyways?! The account say XX/XX/XXXX and it needs to be DELETED ASAP because it is not mine. DELETE XXXX  of my credit report ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

The company offered me a 0 % interest rate promotion, I accepted this promotion, and the company is reporting my credit card utilization. This is an unfair and predatory lending practice. This company should not be reporting my utilization while I am involved in a special promotion with their company. The company should update the account and remove my utilization % until the promotion is paid off and I return back to using the credit card as a normal credit card instrument. 

Account # : XXXX
Product: Debt collection

Received continuous harassing phone calls from Portfolio Recovery Associates for 3 months, leading to my filing CFPB complaint # XXXX-XXXX  in XXXX. 
PRA 's response to my filed complaint stated that the delinquent CC account number ended in XXXX, with a balance due of {$3800.00}, and was opened by someone with my name and the last 4 of my SSN. They further indicated that a notification letter was sent to me in XXXX, 2019, which I had never received. 
Being concerned about a potential compromise of my accounts by the XXXX  breach ( or other? ), I put a freeze on all of my credit bureau accounts to prevent anyone from opening any account in my name. I was very disturbed to discover ( in reviewing my credit report ) that the record shows that Portfolio Recovery Associates had been allowed to access my credit reporting account!! This does explain how they came up with the last 4 of my SSN to use in their official response to my earlier CFPB complaint ( NOTE : My credit report clearly shows NO CC ACCOUNT ending in XXXX! ) This is/was clearly an attempt to SCAM me for a balance due on an account that they know I never had! 
My current follow-up complaint is due to Portfolio XXXX  Associates now FALSELY inputting derogatory information into my XXXX credit report. My credit score has been 870+ continuously, until just recently dropping by more than 100 points! I have requested a copy of my XXXX credit report, but this occurred just as I have now received a letter from Portfolio XXXX Associates with their followup documentation justifying (? ) their harassnment. PRA has included a copy of a letter that XXXX XXXX  sent to the CORRECT PERSON (! ) at their CORRECT ADDRESS (! ) regarding THEIR account last XXXX. 
Copies of all will be uploaded with this complaint. Note that the XX/XX/2019 XXXX XXXX letter was sent to a different person with the same name who lives at a different address. I have never lived at any other address in Arkansas than my current address. This is clearly a continuing SCAM attempt to collect money that I DO NOT OWE ( and they know it! ).
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting third-party information that is inaccurate.
Product: Debt collection

Collection agency took over claim in XX/XX/XXXX for a medical visit that took place in 2010. I had previously paid this medical provider, albeit somewhat late. ( The bill was for {$44.00} - it was not a life shattering event creating out of control medical bills. I was simply having financial problems as evidenced by later events. ) Even if I had n't paid that bill, by XX/XX/XXXX, I had filed a Chapter XXXX bankruptcy and the collection agency should rightfully have filed a claim with the trustee, but they did not. Any valid claim would have discharged with the bankruptcy in XX/XX/XXXX, yet the collection agency was not included in the trustee 's list. Perhaps because it was not a valid claim? To add further insult to injury, this collection agency never sent me any bills or notice to back up their claim. Perhaps they tried to call, but like so many other debt collectors that I dealt with during the course of my bankruptcy, they would either refuse to leave a message on my phone or simply hang up when I answered. When I tried to call back, the phone would either go to a busy signal or was not a phone that could receive in-bound calls. 

In any case, the collection agency has gone around the federal bankruptcy court, ignored the orders of the trustee ( again, assuming they had a valid claim ) and now tried to " reset '' the clock for a bill that was incurred XX/XX/XXXX, which I understand to be in violation of other laws.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY EXPERIAN, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX REMOVE AND BLOCK ALL THESE INQUIRIES IMMEDIATELY FROM MY CREDIT REPORT XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Debt collection

I order all three of my credit reports and began going thru them looking for mistakes and I noticed XXXX XXXX. XXXX XXXX was on my reports in the XXXX XXXX of the reports, in lew of XXXX XXXX a credit card company. In the beginning of XX/XX/XXXX, I starting inquiring with these companies and the reporting agencies for the accuracy of the of the supposed to be debt items on my reports. I sent XXXX XXXX, a letter to Validate this supposed item of debt on XX/XX/XXXX. And XXXX in returned sent me back a updated change to their credit reporting policy. Note, I ask for XXXX to Validate this item listed on my reports. The next letter I, send was in the middle of XX/XX/XXXX, XXXX never replied to my second letter but is still reporting to the credit reporting agencies with out fail. These is a clear violation of FDCPA Sec. 809 b - Collection Agencies, not validating debt and still reporting to credit reporting agencies. Also, Credit Bureaus has violated my rights of the FCRA Sec. 604 a, 3. also by not correcting or refusing to do a full investigation after explaining XXXX has different statues as to closed acct. and open acct.
Product: Credit reporting or other personal consumer reports

I contacted TransUnion rental screening solutions to dispute an eviction showing on my rental screening file that never occurred. I requested the source of the information after I went to the city court where the alleged filing occurred only to be told by the clerk there was no record of the filings. I provided my name and the case number provided by TransUnion rental screening solutions and there were no records found. I also looked up the cases myself via XXXX XXXX XXXX XXXX XXXX and no records for the alleged cases are found. The records on the courts site date back to XXXX which means the case allegedly filed between XXXX and XXXX should appear. 

TransUnion contacted me via email on XX/XX/XXXX to state the information was verified as accurate however ; the source of this information was not provided. If the source is not the court where the alleged filing occurred, then where is this information coming from? This is again, what TransUnion was recently sued and fined for on XX/XX/XXXX and to date, the practices continue. I am considering filing a law suit as this false information has cost me money and opportunities for better housing for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Responding Act the following companies has violated. I dispute the following with all XXXX credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following bureaus. XXXX, XXXX and Experian in XXXX, XXXX XXXX, XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section XXXX. I send the police reports XXXX  times along with proof of identity as the credit bureaus had my social security wrong, my birthday wrong, wrong address and wrong number on my fraud alert. 

15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit bureaus are required to removed items if not verified within XXXX days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction regarding the persistent presence of fraudulent accounts on my credit report. Upon reporting the case of identity theft, I promptly contacted the companies associated with these fraudulent accounts. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be promptly removed upon submission of the required FTC report. 
It is noteworthy that both XXXX and XXXX have already purged these accounts from their records after identifying and correcting an error. I am puzzled by the continuation of verification for these accounts by your bureau when other agencies have already eliminated them. I urge you to expunge these accounts from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. I insist on immediate action to remove these fraudulent accounts from my credit report, as the companies have acknowledged their fraudulent nature and agreed to their removal. Please delete these fraudulent accounts promptly, as they are the result of identity theft. 
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Tried making my payment today XX/XX/2022 with XXXX, first he answered in some language I didn't understand. Then came back in English. I asked him why my bill was so high and he informed me of my promotions and or deferred interest being added. I said no, I want to escalate this to your supervisor. Asked him 3x and then he went silent and hung up on me. Im trying to make a payment onetime like usual AND figure out why my bill jumped so high. I got neither today. 

I am not calling back to deal with another customer service rep like this. This is ridiculous, I pay on time every time and have!
Product: Credit reporting or other personal consumer reports

I, a consumer, XXXX XXXX, am notifying you of a dispute of this alleged debt pursuant to 15 USC 1692g. I request that you provide to me with verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths of the statements of the facts of the matter, have first-hand knowledge, and must be notarized.

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt, which includes reporting to my consumer report with Experian, XXXX, and XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitute aggravated identity theft, I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, So I have a collection agency Hunter Warfield and XXXX   refusing to remove a collection on my record that is not mine. All other reporting agencies have removed this fraudulent collection. XXXX   is still illegally trying to collect from me. I live in a state with another with a similar name, XXXX XXXX. I looked further into this and the account looks to be owed in full by a XXXX XXXX. I did not live in this home. I have never received any type of notice that a collection was being placed or needed to be paid. I found out about this by looking at XXXX XXXX. I have tried to resolve this with both XXXX  and Hunter Warfield. But they refuse to listen or look further into it. This collection is not mine and is the reason I am currently homeless and unable to purchase or rent a home. I can provide a lease to show I was not living in this home at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Are all fraud accounts that were open without my permission. 
I spoke with XXXX XXXX and TransUnion. But they refuse to remove these accounts out of my name. They keep giving me the run around.I sent a fraud affidavit and they are not removing these accounts.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information Account Number : XXXX Dear Experian, I am writing to formally dispute inaccurate and unverifiable information contained in my credit report regarding an account with XXXX XXXX XXXX The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Closed. {$470.00} written off. 
Status Updated : XX/XX/XXXX Balance : {$0.00} Balance Updated : XX/XX/XXXX Monthly Payment : {$41.00} Original Balance : {$300.00} Highest Balance : {$470.00} Payment History : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; 60 days past due as of XX/XX/XXXX ; 90 days past due as of XXXX XXXX ; Charge off as of XX/XX/XXXX This account contains several inaccuracies and inconsistencies that I believe to be incorrect. Specifically : Status : The account is listed as a charge-off with a written-off amount of {$470.00}. This information is inconsistent with my records and is not accurate. 
Comments : The account status indicates " Purchased by another lender '' and " First payment never received, '' which are conflicting and require clarification. 
I have never received any communication or information regarding the transfer or sale of this account to another lender. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive proper validation and notification of any debt that has been transferred or sold. This has not occurred, rendering the reported information inaccurate and unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to know the specific methods and sources used in the verification process. Therefore, I am requesting : The name, address, and contact number of the party who provided the information. 
The specific methods used to verify the accuracy of the information. 
Any documentation or evidence used to support the verification, including proof of communication regarding the transfer of the debt to the new lender. 
The reported information lacks proper documentation and fails to meet the standards set forth by the FCRA and FDCPA. If XXXX XXXX or any subsequent creditor can not provide verifiable and accurate information, this account must be removed from my credit report immediately. 

Please complete the investigation within the timeframe required by the FCRA and provide me with the results. If this account is not verified as accurate, I demand its immediate removal from my credit report. 

Failure to comply with these legal requirements may result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. 



[ Enclosures : Copy of Credit Report with highlighted inaccuracies, Proof of Identity ]
Product: Debt collection

I did sign a contract with XXXX XXXX XXXX XXXX to finance my solar system with XXXX XXXX. XXXX did not install any system and they call me to cancel their contract because they could not install the solar system as the city want it to. XXXX even told me : XXXX XXXX the supervisor : " We usually have an inspector to sign our installation in every city but in the XXXX XXXX we do not know anyone there, they will not approve our installation. We will need to cancel our contract ''. 
Despite they do not install the solar system, they damage my roof, they are sending me letters, calling on the phone, threaten me to put a line on my house for non-payment. 
I did contact them and write them letter. They still want me to pay them XXXX dollars for service and products they did not provide. 
I did stop with my bank the automatic payment that was provide when I was signing the contract. 
Please help me stop those two company harassing me via phone and letters. I do not owe them any money because they breach their contract. I do not have system solar installation
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM EXPERIAN NOR XXXX, YET XXXX  MANAGED TO WASH IT OFF COMPLETELY FROM MY REPORTS ... .. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.