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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX. XXXX Account XXXX : XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Paid off account, was refunded for overpaying on the account by XXXX. XXXX XXXX XXXX says we owe them even though the receipt and credit line both show {$0.00} balance. Now I am in collections with {$1900.00} in debt which is incorrect and Ive been fighting this for almost 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX prior to XXXX shutdown I cancelled my services due to moving. I received a final bill from XXXX with a final bill ending date of XX/XX/XXXX. I have no agreement with XXXX after XX/XX/XXXX. 
I had a credit as of XX/XX/XXXX in amount of {$91.00}. 
I received a bill from XXXX in XXXX and contacted XXXX immediately. It was determined after I chatted online with agent ( I am providing a copy of the chat I saved ) and speaking with a supervisor afterwards I DID NOT owe anything. XXXX XXXXontinued to bill me for a closed account. 
I provided Experian my proof immediately XXXX Last Billing statement ) on XX/XX/XXXX when I was alerted something negative posted to my account dropping my XXXX XXXX XXXX points!!!! 
I do not believe Experian honestly " investigate '' and looked at my proof. If they did the collections should have been removed immediately. 
Instead Experian updated the account having collections still on my account and reporting late charges for something I do not owe and is ruining my Good credit As of this date XX/XX/XXXX XXXX XXXX XXXX continues to inaccurately report information on my credit report. The reported alleged debt owed is inaccurate per my proof I am providing. I do not have any agreements or terms with XXXX XXXX Services nor XXXX. Nor have I heard of them prior to having an inaccurate collections placed on my report.
Product: Credit card or prepaid card

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Product: Mortgage

Refinanced with XXXX XXXX regarding mortgage. BSI Financial Services has received the payoff and it payoff has been applied to my loan. Received a letter dated XX/XX/2022, from BSI Financial Services stating that " This is to inform you that your mortgage has been paid in full. '' The letter stated " a release of lien will be prepared and mailed to the county courthouse where the property is located. Please check with your local courthouse if you do not receive a copy of the recorded release. '' As of XX/XX/2022, the courthouse had not received a release of lien from BSI. I contacted BSI and they stated they could not find any record where their company had completed the document. I have called several times and no one at BSI can provide me with any information or resolution on why the release of lien document has not been prepared and sent.
Product: Credit reporting or other personal consumer reports

I have hard inquiries from capital one and XXXX XXXX service that I did not authorize and want them took off my credit report
Product: Credit reporting or other personal consumer reports

I have items that were taken off my credit report. Here is proof of their illegal reporting and privacy act violations.
Product: Credit reporting 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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.

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Product: Credit card or prepaid card

I have 2 double cash credit cards with Citi Bank, they are underpaying cash rewards : they are stealing money from customers. Both my credit cards are being underpaid. 
I never checked on Citi how my rewards were paid however I checked XXXX and they are refusing to pay 2.5 % for card ending XXXX and 2 % for the second card. 

Citi doctors customers records behind the scene, this has to stop
Product: Bank account or service

On the morning of XXXX XXXX, i viewed my account aswell as took a screen shot, and it showed that my mortgage had posted. This left me with a positive balance of {$57.00}. I have provided this screen shot as an attachment and it can be seen that at this time items were pending, but had not yet posted. Two days later, the bank alterted the bank activity shown, and placed those same pending items ahead of my mortgage payment causing the account to go negative. The bank uses this tactic to obtain a fee because my mortgage payment is a preautherized debit. I am oppted out of " overdraft protection '', so the only way my account can incure a fee is through checks and preauthorized debits. The bank has made it common practice to alter the order in which items are processed in attempts to gain an account fee. I called the customer service line for citizens bank, and spoke with XXXX. XXXX would not except my screen shot of the true bank activity, and transfered me to a " specialist ''. XXXX, the specialist, also refused to except my proof. Her explaination is that the pending purchases were, " live swipes '', and go through immediately before any other transactions. I find this untrue because they were in a " pending '' status on XXXX. On other occasions i have been told that pending items are dependant on the merchant, and how quickly they notify the bank of the purchase. I have also been told by XXXX that larger amounts, such as my {$940.00} mortgage payment, go through first. She then retracted her statement during the call because i had informed her that the pending items were small purchases. My conversation with these individuals was recorded by citizens bank. XXXX put me on a long hold to speak with her manager, and when she returned she stated that my case was forwarded to the chairmen. She then stated i would hear a reply in 3-5 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200000.00}
Product: Debt collection

Ok here it goes this bogus law firm or bogus address which I found out is a XXXX XXXX not the business address they claim. Anyway quest legal group out of XXXX XXXX XXXX XXXX XXXX CA. is representing a loan company so they say called XXXX, claims i owe on a loan back in XXXX, which I never took. I contacted my bank and never got this loan deposited or never bounced a check on a payment i sent in for this so called amount ( XXXX plus or minus ). THis XXXX, XXXX, is in a law suit of there own or was due to the fact they were /are using this tactic to scam people out of money, which i found out. This so called law firm at this address above has my info my last XXXX of my social security #, where i worked back then etc .... I reported them to the XXXX, and filed a complaint ANY way this law firm said if i dont pay {$1100.00} by XX/XX/XXXX ( I received a letter ), that they would have me served with a summons to appear in court. ( and this letter did not come by certified mail, it looks phony ) .When i disputed it they laughed, I called them XXXX and they said will see you in court .i then contacted my Bank to reinsure that i never took this loan out. Sincerely, XXXX XXXX # to this firm is XXXX
Product: Mortgage

Last XX/XX/2021 I became very sick with XXXX followed by each son. In the mean time I was changing Home owners insurance and had received a refund check that I was attempting to send in to be applied to my account. During this time I had written down the address where to send that check and accidentally sent my mortgage payment there also where it sat and sat. I called multiple times and the person that I spoke with told me that it was finally sent to the correct department and that it would be notated on my account and would not be marked late and also stated it wouldnt be sent updated on my credit report because you dont report there. I had also requested Cares act help to get all of the confusion situated and was told no because i was in XXXX XXXXXXXX which was 100 % incorrect and a flat out lie. I am seeing they just have zero compassion, enjoy watching the struggle, enjoy being very rude to their customers. It's actually pretty sad. They enjoy that power trip. Every time i spoke with them they stated they were putting notes in the system and it wouldn't be marked late. 


I am currently trying to get a line of credit to pay of my XXXX XXXX now that I am in a better place so I can move on with things and help my oldest with college tuitions but I need a 12 month on time payment history and my statements are showing late payments even though the CSR I spoke to today did say that there were vague notes in the system its not his fault it was sent to the wrong address. I also at one point had called in my payment and it was never processed although it also showed in the notes when I had originally called to make payment he never finished the transaction and foolishly I didnt ask for a confirmation number. 

You would think i was asking for them to take XXXX of dollars off of my loan. I am asking for some errors in late payments be fixed so this will not affect me negatively while I am working to get myself back on track. 

It is a shame what big cooperation 's have become with with their rude minions on the other end of the phone.
Product: Debt collection

I am extremely frustrated with Designed Receivable Solutions, a collection agency, and I want to express my dissatisfaction. The handling of my case has been far from satisfactory, as outlined below : Upon discovering that my identity had been stolen, I promptly took action to address the situation. However, the consequences of this unfortunate event have been severe, impacting both my credit score and overall financial well-being. 

Despite my immediate efforts to dispute the fraudulent accounts and collections, Designed Receivable Solutions has not provided the necessary support or assistance. Their lack of responsiveness and failure to take swift action has only exacerbated the stress and difficulties I have been facing.

Resolving this matter has required extensive coordination with credit bureaus, banks, and law enforcement agencies. The collaborative effort to investigate the fraud and restore my credit report has been anything but smooth, and I expected Designed Receivable Solutions to actively cooperate in this process. Unfortunately, their negligence and inefficiency have only added to the already burdensome task of protecting my identity and recovering from the extensive damage caused.

I am deeply disappointed with the level of service provided by Designed Receivable Solutions, and I believe that their actions, or lack thereof, have contributed to the prolonged and distressing nature of this ordeal. I hope that by expressing my frustration, they will recognize the gravity of their shortcomings and take immediate steps to rectify the situation. 

Thank you for providing me with an opportunity to voice my concerns. I trust that appropriate measures will be taken to address this matter promptly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. Equifax did not investigate. I spoke to the company the company said they notified all 3 companines to delete the account, from XXXX XXXX XXXX XXXX XXXX and XXXX immediatly updated and removed the information at the request of the collecition company. Equifax claimed that the company veified the account. I spoke with the company again and the rep verified once again they put in a notice to Equifax to delete the file equifax deleted the file and reinserted it 3 days later with no proofs and no prior notification. and aginst the companies request to deletion
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian is reporting inaccurate information to my credit reports based on wrong information given to them by the following collection agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give nor did I sign any contract given the original creditors the right to sell the account for the purposes of harassing me and damaging my credit. 
Also XXXX XXXX XXXX is reporting my medical information which is a violation according to the Hippa Law. XXXX is the second collection company that my medical info has been sent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Mortgage

On XX/XX/19, I sent an online inquiry to TexasLending.com to check the rates for a cash out refinance of my home mortgage. After speaking with an agent, I was told they would only do a " soft pull '' and it would not affect my credit. After going over the rates the agent helping me and I agreed that they could not give me a rate and loan better than what I currently had. Then a few days later I received loan docs from them and got a phone call to remind me to complete the docs in a timely manner. I told them I was not getting a loan through them and that they needed to contact the credit reporting bureau to remove the inquiry from my Credit. They agreed and as of XX/XX/19 they have not done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Navient is reporting 11 months past due for student loan accounts. The months for past due are listed from XX/XX/XXXX thru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. 

However, I informed Navient of deferment requests multiple times. My first notification occurred in XX/XX/XXXX, requesting deferment due to economic hardship. Their company was notified and provided documentation of my financial situation. I have lived in poverty for my entire life. My income is typically {$12000.00} per year. My XXXX son prevents me from working full time. 

To resolve the problem, I have contacted Navient and provided proof of my economic hardships. As proof, a statement showing government aid for food stamps was provided from XX/XX/XXXX thru XX/XX/XXXX. I have been on government assistance for food most of my entire adult life. In addition, I have filed disputes with the credit bureau agencies but have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call XXXX XXXX to inform then that i have been a victim of their inquiry issue, and ask XXXX XXXX to deleted the following inquiry. on XX/XX/XXXX at XXXX. I told they do not dispute inquiry. 
XXXX Name of Company Date of Inquiry Type of Business XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX  Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Finance XXXX CARD   Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Real Estate And Public Accommodation CREDIT INFO  Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX XXXX  Show Details XX/XX/XXXX Banking XXXX XXXX   Show Details XX/XX/XXXX Finance XXXX XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX XXXX   Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX Show Details XX/XX/XXXX Oil And National Credit Cards   XXXX XXXX Show Details XX/XX/XXXX Finance XXXX XXXXXXXX Show Details XX/XX/XXXX Banking XXXX XXXX  Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX   Show Details XX/XX/XXXX Finance XXXX  Show Details XX/XX/XXXX Utilities And Fuel XXXX XXXX Show Details XX/XX/XXXX Home Furnishing XXXX Show Details XX/XX/XXXX Oil And National Credit Cards XXXX Show Details XX/XX/XXXX Banking XXXX XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Finance XXXX XXXX  Show Details XX/XX/XXXX Banking XXXX XXXX Show Details XX/XX/XXXX BankinXXXX XXXX Show Details XX/XX/XXXX Oil And National Credit Cards
Product: Credit reporting, credit repair services, or other personal consumer reports

ok so, there was a computer glitch XXXX summer XXXX & early XXXX ) that was transunion problem, NOT XXXX caused my inquires to be deleted. Transunion later added them all back onto my credit report without giving me the legally written notice XXXX days prior to them re-adding them! ive contacted transunion in good faith to ask them to delete the inquires that they illegally re-added. i spoke to XXXX supervisors XXXX XXXX & XXXX ). these inquires did add a hardship to my credit report and my right where greatly violated by transunion! I ASK FOR YOUR HELP TO ASK TRANSUNION TO STOP VICTIMIZING ME! AS A RESOLUTION I WOULD ASK FOR ALL MY INQUIRES BE PERMANENTLY DELETED FROM MY CREDIT REPORT AS A VIOLATION DID TAKE PLACE WHEN THEY WHERE ILLEGALLY RE-ADDED
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XX/XX/2024
Product: Debt collection

It's with XXXX. This has gone on for almost 4 years now. I was getting money taken out of my checking account by XXXX. They were not mine. I went to my bank and all the fraudulent ones had weird names through XXXX on them. So my bank and I and XXXX had a 3 way phone call, my bank would tell them the name and the amount of money and everyone of them XXXX would come back a say fraudulent. But I never received any of the money back and my bank told me that since most of them were over 60 days that could not refund my money. I had a heck of a time with XXXX. They turned it over to XXXXXXXX XXXX, who turned it over to Portfolio Recovery Associates , LLC. This whole thing has been a nightmare for me. I lost my husband so I have been dealing with that and dealing with this. I don't understand how someone could just say that you owe them money and they find someone to get it from you and ( Portfolio Recovery ) doesn't even care to look into it to see if it's true or not. They just come after you and they don't care why. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Acct # XXXX, has violated my rights. 

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

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

The company below calls me everyday and late night and sends letters threatening I pay this debt. I told them its not mines. They said its me and I must pay it. 


COMMONWEALTH FINANCIAL XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Type : Collection Department / Agency / Attorney Collection Account Collection Account Account Status : Closed Closed Open Monthly Payment : Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$550.00} {$550.00} {$550.00} Terms : 1 Month High Balance : Limit : Past Due : {$550.00} Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Unpaid Comments :