23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These three accounts are all in violation of FCRA 623 ( A ) ( 3 ) Duty to provide notice of dispute. if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

XXXX XXXX second violation is the date last active which different on all three bureaus. They must all report the same. XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX and XX/XX/XXXX on equifax. 

XXXX XXXX third violation stems from their being a continuous payment history after the account had been closed. No closed account should have payment history. 

XXXX XXXX second violation is the date last active which is different on all three bureaus. XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX and XX/XX/XXXX on equifax. 

XXXXXXXX XXXX third violation comes from the payment history being reported after the account has been closed. There should never be any payment history on a closed account. 

XXXX XXXX XXXX XXXX second violation stems from different reportings under XXXX date last active. XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX and XX/XX/XXXX on equifax. 

XXXX XXXX XXXXXXXX XXXX third violation is for the payment history reporting. Theres continuous payment history after this account has been closed. There should be no payment history after an account has been closed.
Product: Credit reporting or other personal consumer reports

illegal credit inquiries since XXXX according to experian : XXXX XXXX XXXX times, experian and experian credit match XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. this information has been obtained illegally, and the information is false. immediately destroy any information obtained. cease and desist all business activity related to me. experian, the credit report was supposed to be locked years ago and i have a confirmation that you locked it. you did not. ongoing litigation, send all inquiries to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX i have opted out of all credit products. i have been debanked and all my property is stolen. leave me alone. i will never do business with any of you criminals for as long as i live. XXXX XXXX. return capital to creditors NOW! do not share credit information with government either, there has been treason committed within factions of the federal government, it is not safe to share with anyone for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realize this may be the wrong channel for this report. If it were, and you can forward it to the relevant agency, please do. This is an unsolicited phishing scam. I did not click on it but attach the screenshot showing all the data including the phone sender of record and the url they provide with a fake Experian final notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$260.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing accounts reported by The Starks Collection Agency INC ; Account XXXX {$460.00} and Account XXXX. Certain transactions on both accounts were not authorized as well as duplicate charges for a hotel reservation. I contacted the original creditor XXXX XXXX XXXX about these transactions. XXXX failed to dispute those transactions and closed the account and sent these two accounts to The Stark Collection Agency , Inc . I demand verification of debt. These two accounts were reported on my credit files on XX/XX/XXXX while these two accounts were still open and active. I received letter from The Stark Collection Agency INC that was forwarded through the postal service XX/XX/XXXX. The letter was dated XX/XX/XXXX with the default date of XX/XX/XXXX. In the letter The Stark Collection Agency , Inc. stated This account may be reported to a Credit Bureau but no sooner than 90 days. That statement was FALSE as they reported to the credit bureaus on XX/XX/XXXX. Their letter was dated XX/XX/XXXX. Accounts XXXX and XXXX were closed by XXXX XXXX XXXX the second week of XX/XX/XXXX.
Product: Credit card or prepaid card

During my XXXX  appointment today XX/XX/21, I tried to use my Care Credit card only to find out that Synchrony Bank  closed it six days prior on XX/XX/21 without any notice. This was a unexpected XXXX  emergency and I had full expectations on using this card due to Covid and shutdowns money is tight. I called and was told that I could reapply. I only had the Care Credit card for less than one year and never made a charge with it. I have several cards through Synchrony Bank which have all been paid on time. For a company to do this in the middle of a pandemic all while posting that they are here to help during this time is so contradictory.
Product: Credit card

I have been a customer of XXXXXXXX XXXX XXXXXXXX ( now XXXX ) since XXXX. Have never been late in payment ; have continued to pay annual fees of {$95.00} ; never exceeded my limit. 
XXXX XXXX informed me that my credit limit has decreased to {$1000.00} due to total amount of credit open. This action has severe negative impact on my credit score which has always been between XXXX. 
I called the company on XX/XX/XXXX and was told this is the company policy. I asked to escalate the issue. As of this date, despite multiple calls, I have not received a call back. 
I am quite sure this is part of the company 's new approach of profiling consumers and don't see any basis for the company 's action because of the following reasons : 1 ) nearly perfect credit score ; 2 ) all credit cards are paid in full each month- with the exception of one where I am taking advantage of free interest ; 3 ) annual income is in the range of {$700000.00} to {$1.00} XXXX ; 4 ) liquid assets are above $ XXXX ; 5 ) have no adverse action or information on my credit. 
At this time, I am asked to pay a {$95.00} annual fee for a credit limit of {$1000.00} which represents nearly 10 % of my credit limit. I have not received any justification for this other than referencing company policy. I have now been on hold for 40 minutes as I complete this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX. They have been removed form my other accounts but they are still showing on my equifax. I disputed with equifax because the first date of deliquincy on the account was in XX/XX/2011 and it never went paid as agreed until the accoutnwas charged off. I disputed with equifax and the company changed the first day of deliquincy to XX/XX/2011 so that they can keep it on my credit report for longer. Then they put no reporting so they can continue to keep it on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Date Opened : XX/XX/2015 Balance : {$3000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

I cosigned with a ex- girlfriend back in 1999 for a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Ala . Within 2-3 months, I had to take the car back from her and return it to dealership. I didn't hear anything about me owing anything after that, Until My Ex had passed away, Then I started to get a lot of threatening phone calls and letters, At home and work! The law firm Macdowell & Associates in XXXX, XXXX told me that because they could not collect anything from my ex-girlfriend, That I had to pay something like XXXX to XXXX XXXX dollars, Plus around XXXX in Interest!!! So I tried to pay around 200 - 250 a month! 

And I have been paying at least 100 a month since they said they were going to sue me a few years ago! I have requested numerous times for them to send me a correct balance, And a running log of what I have paid them, And what is actually owed on my account!!!! 

They have never responded to my request! 

They have filed a garnishment of my wages in the XXXX County Courts ( XXXX, Alabama ) I was never served court papers, And I found out only by getting a simple letter from the court in my P.O. Box,  After the courts had the garnishment approved. 

So, I never had a chance to to court And present my case in front of Judge or Jury! 

I believe this was simply some old debt, That they bought from another company, And threatened me to pay, Without me even speaking to the original creditors, ( XXXX XXXX, dba XXXX XXXX XXXX ) I truly think this is " Unjust '', And I have asked them a number of times, Just to take me court, And let 's see what a Judge says about this old debt! That I believe was charged off by XXXX XXXX, dba XXXX XXXX XXXX years ago!!! 

I have other means to resolve this issue, without your help!!! 

Collection Lawyer Contact : Macdowell & Associates XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Alabama. XXXX ( XXXX ) XXXX I'm currently not working, And homeless, I staying between the XXXX XXXX in XXXX, Alabama, And sleeping in my car, And the XXXX XXXX 

This collection lawyer, Has been threatening me about this car that I returned to the dealership over 20 years ago, For at least 18 years, And I thought by trying to pay this old debt was the right to do, This is the only reason I made any additional agreements to paying anything to them!!! I was mislead about this car loan debt, From the very beginning. 

The sticker price on this car was only XXXX to XXXX dollars, Brand New car,  Back in 1999! 

I have never got a statement, or running balance from Macdowell & Associaties, After many requests for one!!!!! 

I hope you and your company can help me investigate this issue, That is definitely not fair to me, And probably many more consumers in this country! 

Thank You, & God Bless!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Alabama XXXX ( This is where I receive my mail, Because of being homeless ) Email - XXXX Phone # ( XXXX ) XXXX Thank You!
Product: Mortgage

Our mortgage was transferred to a new loan servicer : Specialized Loan Servicing LLC ( SLS ) XXXX. XXXX XXXX XXXX GA XXXX Phone XXXX in XXXX 2016. We received several notices as the loan was transferred. One stating that our payment was past due ( this notice was received prior to receiving any payment information, remittance stubs, address, new loan number, etc.for the new servicer ). Another letter was received stating that we had no insurance ( although we did, through XXXX/XXXX/2016 and future payment amount is held in escrow ). Yet another notice from a debt collector stating that they were collecting on a debt ( there is no debt owed to this company!! ) and another letter stating that we do not have an escrow account - we did have an escrow account and the old servicer sent us a letter indicating that they transferred the balance of {$3700.00} of which SLS claims they have no record. I have spent hours on the phone in circular telephone loops trying to get clarification on the notices. Was told to ignore them by all the representatives. I just received a telephone call relating to the loan requesting payment ( which I have already sent ). However, on a recent call, I was told by a representative that we have 60 days to make the first payment due to the transition of the loan to the new servicer. This company clearly has administrative issues that go well beyond timing of noticing and operational systems. If they are n't already, they should be under review by an agency to insure that they are compliant with mortgage lending and servicing practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are showing a bankruptcy on my credit report which was reported by  US Bankruptcy Court.  I contacted the court and received a letter that states the do not report to the bureaus. I also have a security freeze on my personal file with  XXXX , a private third party company, to prevent them from giving my information to anyone.     The credit bureaus have refused to remove this from my credit report.
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID theft and credit reporting agencies are making it difficult to clear data inquiries and freeze reports. Though my personal information does not match my current information, they are misusing my information and providing my information to fraudulent applications. 
On XX/XX/2021, I received approximately 15-20 payday and personal loan inquiries. I immediately call the 3 major bureau and I was referred to the company the placed the hard inquiry I have letters/email replies that there investigation shows I am a victim of fraud and they are cancelling application and sending it to the credit bureau. I have spent hours working through all this false applications. I called XXXX  after a XXXX time and though XXXX removed inquire for the same day they are refusing to remove the same inquires from another lender that performed inquiry as the same id fraud. I filed an Internet Crime Complaint because that is the direction of my local police department because it is all occurring online. The credit bureau that has been impossible to get a hold of is XXXX there website states I can put in a 5 year opt out request over the phone but they never answer the phone. On XX/XX/2021 the same information, my old address that I haven't lived in an 4 years in other city and my personal information for a repeat id theft. This companies are not doing enough to protect information especially when it does not match and I have an Fraud alert. I need help clearing my reports and they want us to mail to a po box and they are not acting fast enough to protect the consumer especially when the application provide does not match current information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I contacted TransUnion credit bureaus to request information regarding an collection debt account reported on my credit file for {$3000.00} from XXXX XXXX XXXX. I requested proof that this alleged debt belonged to me pursuant to federal law. 

On or about XX/XX/19 I contacted the debt collector XXXX XXXX XXXX by phone and left a message for the representative assigned to the alleged debt. I left my phone number and information and no one contacted me back. 

On XX/XX/19 Transunion responded and reported the alleged account had been verified. No other information was provided other than the alleged account number, when it was reported, the amount, the debt collector and the original " alleged '' creditor. 

On XX/XX/19 I requested information regarding how they verified the debt and I requested for a second time proof the debt belonged to me since I the debt collector never responded back to me. I included Transunion reference account number and pertinent information. 

On XX/XX/19 Transunion responded and stated in a second letter that they did not understand my previous request. 

TransUnion has not been able to prove under federal law that I owe this debt either by providing me the original contract to this debt or a certified copy of an agreement with my signature with the creditor. They have also failed to substantiate how they verified this debt per federal law. They failed provide me with the method they used to verify this debt. They have not complied with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates showing I missed payments when I was still in school. Payments should have not been due until after my semester ended.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Pleaseremove these files. 
INACCURATE NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Complaint Regarding National Credit Systems , Inc .

I am filing this complaint because National Credit Systems , Inc. is reporting and attempting to collect a debt of {$10000.00} that I do not owe. The alleged debt, attributed to The XXXX XXXX, is inaccurate, invalid, and has been wrongfully reported to credit bureaus. 

In XX/XX/year>, I discovered this issue while reviewing my credit report and noticed the collection account listed by National Credit Systems , Inc . This debt is not valid, and I have no records or prior knowledge of owing this amount to XXXX  XXXX XXXX. 

I formally disputed this debt on in XXXX & XX/XX/year> with National Credit Systems , Inc., requesting validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I also filed disputes with XXXX, XXXX, and XXXX under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, requesting an investigation and removal of this inaccurate collection account.

Despite my efforts, National Credit Systems , Inc. has failed to provide proper validation or documentation of the alleged debt. They continue to report this account, which has caused significant harm, including : 1. A lowered credit score, limiting my financial opportunities.

2. Emotional distress from dealing with this invalid debt.

3. Financial harm from higher interest rates and credit denials.

I am requesting the following resolutions : 1. Immediate removal of the {$10000.00} collection account from my credit reports with all credit bureaus.

2. Validation of the alleged debt, or confirmation that the account is invalid and will not be pursued further.

3. Assurance that National Credit Systems , Inc. will cease all collection attempts for this invalid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the error of XXXX XXXXXXXX three ( 3 ) times, reporting I falsely owe this company {$2300.00} to XXXX XXXX  hospital. I have contacted XXXX  hospital and because they DO NOT request IDENTIFICATION upon registering consumers, I have been SELECTED to pay unknown medical bills for services I have NEVER used. I am entitled to an accurate credit report and this company is reporting FALSE information under my name.