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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. On XX/XX/XXXX I sent a letter for inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately update those items from my credit report. It has been over 30 days so they should be promptly deleted. 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 maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that Transunion credit bureau report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be fixed immediately or I will file for litigation. My information was also impacted by the XXXXXXXX XXXX  breach and may have gotten into the hands of the wrong person. 

XXXX XXXX XXXX XXXXXXXX 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 have contacted all Three Major Credit Bureaus XXXX, XXXX  and Equifax to dispute anincorrect hard inquiry on my credit report. I have requested them to provide me a verified letter for the XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. 
I never authorized this company to run my credit report. I have contacted the credit bureaus by filing a dispute and requested to send me all correct information to me. I have not received any information back from anyone. This is illegal and I am forced to file a suit due to unresponsive.
Product: Credit reporting

My credit report is absolutely perfect, other than this error, showing a 30 day past due payment on a XXXX XXXX card through XXXX XXXX. I am not a slow payer or having financial difficulties. There was an issue with my checking account, where the bank mis-posted a cash deposit to the wrong checking account. This caused my XXXX XXXX payment to bounce and I went past due because they had the wrong phone number on file for me and could not reach me. Since I live in the XXXX, I only get my mail weeks later. When I found out about the issue, I immediately made payment and advised XXXX XXXX of the bank issue. I disputed this with XXXX XXXX and they refused to fix it. I had my bank send them a letter explain that it was not my fault. I thought that with this letter XXXX XXXX would have cleared up the matter, but I just pulled my report and it is still on there. When I called XXXX XXXX they said that even though I attempted to and had all intentions of paying and was victim of a bank error, they will not correct my credit bureau. I am not asking anyone to fix something that was my fault. If XXXX bank causes an issue, that should count. They claim they are not permitted to change the reporting unless it was their error. I just do n't believe that is a fair practice and I suspect that is not a rule they apply consistently because others, report on line that having proof of a bank error should and does result in the credit bureau being corrected. I do n't know what to do next, but try this route in hopes that you agree that I am not being treated fairly. I do n't have documents available to me, because I am in the XXXX and my paperwork is in the XXXX. I will be visiting in the next few months and can get the docs out of storage if needed.
Product: Debt collection

I have called to ask what the debt was that was showing up on my credit score for {$180.00} IN COLLECTIONS. The first call I was told there was a glitch in the system and to call back and they could not tell me what the charge was for. The second time I was told there was no debt owed and a 0 balance after getting transferred 3 times over the course of an hour. When I asked for a statement sent to my email they would not send it. When I asked for a letter stating there is a XXXX balance, I was told " uhm no '' and was hung up on. I have closed this account years ago and there is no reason for me to have a balance OR to not be sent a statement for resolution and to be secretive on what that charge is.
Product: Debt collection

I was billed by XXXX XXXX XXXX XXXX  for 2 tests on XX/XX/XXXX prior to XXXX XXXX. Medicare did not pay for them per summary notice datedXX/XX/XXXX and I was responsible. I submitted an appeal on XX/XX/XXXXwith medicare. I followed up with them several times, finally they issued an adjusted summary notice on XX/XX/XXXX stating I am not responsible for these charges. I informed Financial Corporation of America verbally in XX/XX/XXXX. When I received another letter datedXX/XX/XXXX from them I emailed a copy of the adjusted summary notice from Medicare which showed I was not responsible. Today XX/XX/XXXX I received another collection notice from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several. attempts to, fix monitor, and correct errors on my EQUIFAX credit file. It seems as if each, and when it's time for me to obtain a free copy my annual credit report, either my account is locked or I'm unable to login to get it. I then have to end up calling Equifax directly. When I call, their system leads you to believe that you have to submit a request in writing and send two forms of identification when you do. It is usually at that point where I call Equifax 's credit monitoring dept. and share with the rep that I'm locked out of my credit file and they get me into direct contact with a rep within company that fixes and unlock my file right then. This seems really peculiar because in the midst of all of this, EQUIFAX reports my score SIGNIFICANTLY lower than any of the 3 major credit bureaus, and this has been happening for sometime. XXXX  currently has my score at XXXX, while Equifax has it at XXXX. I understand that there may be some difference, but it shouldn't be by over 40 points in the midst of NOT being able to get, or have access to your credit in efforts to correct or address anything on there that may be causing this on my ( the consumers ) end.
Product: Credit card

From XXXX to XXXX I couldnt get a supervisor because the persons on the phone said they couldnt allow it. 

XX/XX/XXXX I was told there was no such account so my having Power of Attorney for Financial Affairs for my sister who had been in a XXXX XXXX with XXXX believed the matter was closed. 

But on XX/XX/XXXX I received a bill saying there was the past due amount was now {$100.00}. 

On XX/XX/XXXX I finally was transferred to a supervisor and also made a complaint to Marcus by Goldman Sachs and paid {$34.00} because this supervisor said that was all that was really owed. 

On a letter dated XX/XX/XXXX, I received a letter saying they waived interest charges but would not waive any late charges. 

In XXXX we talked to my sisters lawyer and he said to just pay the {$64.00} so they wouldnt hassle us any more. On XX/XX/XXXX I sent a check for the XXXX they said was owe and reluctantly believed I was done with Marcus by Goldman Sachs!! 

On XX/XX/XXXX I received a notice that XXXX cents was due because of interest and told that it could be {$40.00} more if we didnt pay it. THIS HORRIBLE TREATMENT BY GOLDMAN SACHS JUST CONTINUES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this derogatory off my credit report for months. I have sent in 4 disputes and nothing has been done. I have sent in proof that i myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2019 I applied for an RV with XXXX XXXX XXXX. I went to this company because they showed up under my web search for RV Dealers for bad credit buyers. I saw that my credit score went up to XXXX, and the company would have worked with me if that was correct. I had told the salesperson before he ran my credit about what I saw on my paid subscriptions, as well as the free subscriptions. I have a subscription with Experian, XXXX XXXX XXXX, and XXXX XXXX. All three showed me a XXXX, XXXX, and a XXXX. XXXX XXXX XXXX   updates my scores every thirty days as long as I refresh it. But they had me XXXX XXXX, Experian XXXX, and XXXX  XXXX. Granted I just paid my debt down with my credit cards to below 20 % so I won't see my new score on XX/XX/2019. I even have an Experian account, and that is the XXXX. 

I'm a victim of ID theft and bank fraud. I'm working with XXXX XXXX to help me with my problem and to get my credit straight. I've been with them for five months, and I don't see anything that they are doing because today I was told that my credit score was a XXXX. All I could do is cry. It's bad enough that I'm a victim of ID theft and bank fraud. Now I'm being ripped off by XXXX XXXX XXXX, Experian, XXXX XXXXXXXX, and XXXX XXXX. It isn't fair that I'm looking at scores that would help me to get financing only to be told that I am 100 or more points off or down from what I'm telling companies pulling my credit to get me financing. I am so embarrassed because it seems as if I am lying. How can they get away with this? Something needs to be done, and this is my first step because I have my grandmother as well as my husband going through these programs to help us to get our credit corrected. I feel that I need a refund from them all if everything that I am seeing is a LIE.
Product: Student loan

There was an executive order XX/XX/2021 to cease collection for student loans. ECMC executed a garnishment of my pay on XX/XX/2021. they also continued the garnishment on XX/XX/2021. ECMC did not notify me of this action at any time prior as required to enable me to make payment arrangements. I will in due course make arrangements when able and will attempt to settle the debt with reasonable terms. I reserve the right to have settlement made in any future forgiveness by the government. My school cancelled my curriculum so I was not able to finish and get a marketable degree. I am requesting a refund from the monies garnished this XX/XX/2021. The fax number to charter payroll is XXXX. XXXX XXXX Department. 


The address to XXXX is XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX. Phone # XXXX. I spoke with XXXX at ECMC. 

MY name is XXXX XXXX XXXX ss # XXXX. # XXXX XXXX XXXX XXXX XXXX, NY XXXX. XXXX XXXX
Product: Debt collection

This company has been reporting an invalid medical debt to XXXX since XXXX of XXXX. 

When I requested debt verification, the only documentation they could provide was the name of the company and the supposed amount owed. 

They have yet to produce - A copy of an original written agreement between the company and myself. 
-Proof that they have the right to collect in the state of Maryland This is currently beyond the statute of limitations in the state of Maryland XXXX The procedure was over 7 years ago.
Product: Debt collection

I am a XXXX XXXX  XXXX veteran. Medicare  is my primary care. I am also covered by VA and if out of area XXXX. I went to XXXX for bloodwork and presented all of my information and cards. Later I received notification that I had a balance. I contacted medicare and they stated that there should be no balance and that the bill had not been properly billed by XXXX. I also called XXXX and they stated that they have never been billed and VA stated the same. Nobody had ever attempted to bill them. I went back to XXXX with this information and they stated they had correctly billed everyone and refused to even try to fix this with my medically insurance providers and that I just owed the money. I asked for an itemized bill so that I could provide it to Medicare  and to VA and XXXX and I could not get it. I have tried several times to get this. Then the bill was sent to collection and I asked Credit Collection ( the 3rd party ) for the same thing and I have never been able to get an itemized bill or evidence of exactly what I was charged for. They just continued to report exactly as they have from day one. The dates are wrong. This is a violation of FCRA Section 623, FCRA Section 611 Part ( A ) ( 1 ), FCRA Section 605 ( c ), FDCPA Section 807 ( 8 ), FDCPA Section 809 ( b ) FTC opinion letter Cass from LeFevre
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Agreement with the creditor was satisfied and late payments are still showing on my report. This is Paid as agreed and the derogatory should be removed from my report. As a consumer by law this account must be deleted immediately. 
This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX  - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Credit reporting or other personal consumer reports

Inaccurate information on credit report. My information was sold to another party without my signature or consent
Product: Credit reporting or other personal consumer reports

There is an inquiry on my report from BOC CAPITAL which I did not authorized and I contact XXXX about it and I also called BOC CAPITAL directly to find out what is the purpose of the inquiry no information was given to me
Product: Money transfer, virtual currency, or money service

I attempted to send XXXX dollars via the provided option of phone number and it was sent in error ( by pay pal ) to an incorrect email address. The phone number that it was directed to is tied to the correct account but pay pal sent it to an email address not affiliated the with said destinatio I contacted them and the first time they stated a refund would be issued within 48 hours of the phone call. After not receiving the refund, I called them back. This time they stated they could request a refund from the mistaken recipient but could not do it on they're end. 

This is a problem caused because of a fault in their system and i need refund issued asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Mortgage

In XX/XX/2019, my mortgage loan was sold to LoanCare A Service Link Company, from XXXX XXXX XXXX. 

My loan did not include a prepayment penalty, as I would not have agreed to that. ( attached ) My statements from XXXX XXXX XXXX stated " Prepayment Penalty-No '' and did so for the five months they  held my loan. ( attached ) When I received my first statement from LoanCare A Service Link Company, it stated " Prepayment Penalty-Yes ''. I called them on XX/XX/2019 to advise them of the error. I was advised it was probably a keying error and would be corrected within two working days and I would receive a phone call advising me as such. To date, this has not been corrected. I spoke with XXXX XXXX of the XXXX Office. Employee ID # XXXX. 

This is very concerning to me as I did not agree to this and I request this be corrected and done so in writing to me.
Product: Credit reporting or other personal consumer reports

My personal information was given to a person who stalks me and I have an active injunction against harassment on. The girls name is XXXX XXXX XXXX, her date of birth is XX/XX/year>. She posted my personal credit information online.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report, please remove these account from my report, it is hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

A criminal stole my social security number and name and used this information to open an account with XXXX XXXX Texas linked to an address in TX that has nothing to do with me : XXXX XXXX XXXX XXXX, XXXX, TX. 

The fraudsters failed to pay the bill, and XXXX XXXX Texas turned it over to a collection agency : XXXX XXXX XXXX XXXX. 

Then, the fraudulent account was reported to all three credit bureaus and my credit score took a huge dive : from XXXX to XXXX. 

I have never lived in TX and this account should have never been opened in the first place. XXXX XXXX Texas opened an account in my name and acted in a reckless and negligent manner as described below : XXXX ) A fraudulent account was opened in my name without verifying that the consumer was, indeed, me. 
XXXX ) I have emailed the company and contacted on XXXX and have received no response. 
XXXX ) A fraudulent account in my name was sent to collections. 
XXXX ) A fraudulent account in my name was reported to all three credit bureaus. 
XXXX ) My credit score went from XXXX to XXXX as a result of the company 's negligent and reckless behavior, further victimizing me. 
XXXX ) The company 's negligent and reckless behavior has resulted in me wasting invaluable time in trying to dispute the fraudulent charge. 
XXXX XXXX XXXX XXXX Texas did not even notice that there's a fraud alert on my credit report because I am a prior victim of identity theft and fraud. 

XXXX XXXX Texas should be investigated for failing to follow basic protocols to ensure that no accounts are opened without proper identity verification. 

But this nightmare does not end with XXXX XXXX Texas 's failed policies. Credit bureaus are also at fault for failing to protect consumers and continue to add fraudulent charges to my credit report despite me having an active freeze and fa raud alert since around XX/XX/2022. 

I am a victim of identity theft. And I am tired of having to waste time with these companies ' negligent and ineffective anti-fraud policies. 

When it comes to my latest dispute, the biggest nightmare so far involves dealing with EXPERIAN. The company website has blocked my IP, prevented me from uploading documents showing that I do not live in TX and phone calls to their customer service number get cut off all the time. Their customer service via XXXX has been an absolute travesty and disgrace. 

XXXX " XXXX '' has been extremely unpleasant to deal with and notably ineffective. This bot/AI/human should be immediately fired. 

I demand that EXPERIAN write off this debt as fraudulent and never again adds a fraudulent charge to my account without contacting me first to verify my address ( there's a fraud alert on my report for a reason ). 

I also demand that EXPERIAN delete all TX addresses where I have never lived. 

I also demand that EXPERIAN 's " XXXX '' bot/AI tool be immediately fired for providing a horrible customer experience. 

Thank you.