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

1.Loan paid paid in full to XXXX XXXX XXXX XX/XX/2012 2. Account placed in collections to XXXX XXXX XXXX. 
3. XXXX XXXX XXXX submitted inaccurate information to TransUnion, dispite the multiple submitted documentation that proved the account was paid was paid in full. 
4. Multiple disputes with TransUnion to investigate and remove account. 
5. Account remains on my credit report dispite multiple submissions of Paid in Full records and disputes. 
6. Multiple inaccuracies found including dollar amount loaned, payments, and loan account numbers. 
7. Please review supported documentation.
Product: Checking or savings account

I received a XXXX payment today for XXXX and the amount was then transferred to another one of my accounts. After that transaction Chase closed all of my accounts without a reason. When I called the fraud department they told me they were unable to tell me why the accounts were being closed even though they were the department that initiated the closures. I have had them for over 5 years and never had an issue with any payments. And randomly today they closed 3 checking accounts and 1 savings account and one of the checking accounts was used for survivor payments from social security
Product: Credit reporting or other personal consumer reports

XXXX I do not recognize who this is. but my credit was inquired from this place of business twice in 2023. There are XXXX reports from this company I would like to have them removed.
Product: Credit reporting or other personal consumer reports

Account # XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of $ {$8800.00} This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 
According to the Fair credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate.
Product: Consumer Loan

my husband and i went online to pay off a truck loan thru CSC Logic on XXXX/XXXX/16. I hit the pay off amount and it gave me a pay off balance of {$730.00} which i then paid off after waiting 30 days to get truck title they sent us a notice of balance of XXXX which we did not understand why when we requested a pay off amount and we paid the amount for the pay off on there online system they then sent us another bill fro XXXX which then put in a claim with the XXXX they then sent us a ltr to call them which i did on XXXX and spoke to a XXXX she then advise me that the remaning balance was for NSF payments & interest charge which i then adv her i will be putting another complaint againts them for violationg our FDCPA rights she then adv i can do as i please
Product: Debt collection

XXXX XXXX on Friday XX/XX/20 an attempt to contact someone who does not live in my household, to collect a debt was attempted. They left a message. I researched who they were : Navient. I blocked them, as they called two more times. Once on XX/XX/20 leaving a message on Thursday, saying they're trying to get ahold of someone NOT living in my household, in attempt to collect a debt I save this message. 

After having blocked them, they called me on another number : XXXX, again at XXXX XXXX. Very early. My husband works until late at night. 

I attempted, and succeeded calling this number and was greeted with : Hello, is this XXXX ( Last name withheld for privacy )? I informed the lady it was illegal to attempt to collect a debt from someone who's debt is not me, and to stop contacting me. I expressed how upset I was, and I asked if they understood not to contact me again, or I will take action. I informed them that this was the second year in a row, that they have attempted to collect a debt FROM ME, or get personal information FROM ME about someone who is NOT ME, to collect a debt. This is now harassment to me. I do not want them to contact me, ever again in any way, shape or form. I have made this clear to this company, as they claim they record conversations, they have it on record, that I have told them. I am very upset by their constant harassment. PLEASE help to get them to stop. 

This is not my debt and I am highly upset by this, I was shaking so bad trying to express to this lady how upset I was, and sick of them calling me, even after they were blocked two years in a row. I hope she understood, because this is really bothering me. I am not XXXX XXXX, neither is he my husband.
Product: Credit card

HI CITIZENS BANK : I was shocked when I reviewed my credit report and found late payments on the dates below : ON XXXX AND XX/XX/2023. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being XXXX XXXX XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the complaint about XXXX XXXX  who disowned the account disputed. If this creditor claims that this account does not belong to them, they need to order the credit bureaus to DELETED THIS ACCOUNT FROM MY CREDIT REPORT or UPDATE IT TO PAID AS AGREED NEVER LATE ( PAANL ). XXXX, Transunion, and XXXX reported it for a long time with a piece of inaccurate information.
Product: Credit card or prepaid card

I was shopping on XXXX. At checkout, PayPal offered credit to pay for my purchase with no interest if paid within 6 months. I applied and was given a credit line of {$3400.00}. My credit was ran by PayPal for this credit line to be offered. Upon checkout, I was not able to use the credit line from PayPal. I contacted an agent who said I needed to link my checking account and banking card. I followed the instructions and was still not able to use the credit line. I tried using it at a different vendor, and despite that vendor accepting PayPal credit, I was not able to use it once again. Every agent I speak with gives different answers but there is no resolution. I went to their public forum and there are hundreds of PayPal credit holders who have had the same issue dating back to 2016. I dont understand how PayPal is able to run credit checks for approvals but not allow customers to use any part of the credit line. This bait and switch tactic needs to end.
Product: Credit card or prepaid card

Attempted to close XXXX XXXX account, they kept it open on vendor side to add another {$300.00} in late exorbitant interest fees then sold my account to Atlantic credit & Finance, XXXX XXXX XXXX, XXXX, MI XXXX
Product: Mortgage

I have been behind on my monthly payments so I began making partial payments to catch up. The payments were in the amount of {$280.00}. The payments were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Some of the payments were returned with a letter stating that partial payments are not excepted on the account. So, I received XXXX or maybe XXXX of the returned payments and no one can explain what happened with the other one. In addition my online account has been locked preventing me from viewing my account, so I can verify if and when payments had been applied. When I called to ask why my account is locked it was stated that it is because my account is behind on payments. I explained that as a customer I should have access to my account however, it remains locked. Also, There has been a big discrepancy in my payments since they started returning them and it's difficult to know where I stand currently. Just recently, XX/XX/XXXX I made a payment of XXXX because I entered into a payment arrangement however, I discovered that the monthly amount was too much so they kept the payment of XXXX and returned the rest in a check. When I called to adder the situation no one knows what's going on.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding unauthorized and unknown inquiries on my credit report. These inquiries appear to have been made without my knowledge or consent, and despite my efforts to resolve this matter directly with the credit bureau, my requests have not been honored. 
CREDITOR NAME : XXXX XXXX Date of Inquiry : XX/XX/year> UNAUTHORIZED CREDITOR NAME : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> UNAUTHORIZED CREDITOR NAME : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> UNAUTHORIZED CREDITOR NAME : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> UNAUTHORIZED CREDITOR NAME : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> UNAUTHORIZED I first discovered these unauthorized inquiries when I reviewed my credit report on [ XXXX XXXX XXXX XXXX XXXX XXXX ]. After noticing the unfamiliar inquiries, I promptly contacted the credit bureau in question on, requesting that they investigate the issue, remove the unauthorized inquiries, and provide documentation to explain the source of these pulls. 

Despite my written request, the credit bureau have failed to respond or address the issue within a reasonable time frame. I have made repeated attempts to resolve the matter directly with the bureau, but as of, I have not received a satisfactory response or resolution. Given that I have been unable to resolve this matter through direct communication with the credit bureau, I am now seeking assistance from the Consumer Financial Protection Bureau. I request that CFPB investigate the issue, ensure the unauthorized inquiries are removed from my credit report, and hold the credit bureau accountable for their failure to honor my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt buyer XXXX XXXX is reporting an account on my credit reports that was opened XX/XX/2018 in the amount of {$340.00}. When it's disputed they are not verifying the account just continuing to report. I was incarcerated at the time this account was supposedly opened and I want it removed
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  : Account number : XXXX, I was a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I have contacted TransUnion and XXXX regarding three separate debts that are reporting on my credit report. They are not correct and causing me financial problems. 
I have asked that they investigate these debt to prove the validity of these debts and they have not done their jobs. In fact, they have allowed these companies to continuously report on my credit report illegally without validating them. 
-XXXX  XXXX # XXXX account information incorrect and must be deleted -XXXX XXXX XXXX # XXXX Account information, incorrect, and do not belong to me must be deleted. this account was deleted previously and reinserted without my knowledge or me being informed within the five days I am permitted to dispute. This account must be deleted. I also have contacted the creditor, and they have not provided me any documentation, nor any itemize list in the amount of time. Violated FCRA Part ( A ) ( 5 ) B ) ii ) -XXXX XXXX # XXXX Account balance incorrect account history incorrect account status is incorrect. I have contacted the original creditor, and they have sold it to another creditor, but are not reporting it to the credit bureaus this must be deleted.Violated FCRA Section 605 ( c ) Running of the reporting period
Product: Credit card

I am senior citzen on a fix income i pay the amount they send me each month .all am paying is the interest i feel that for 12 years the bill should have been pay off. I contacted XXXX And put in a complaiint in return they closed the case after 45 days they could not reach the company to resolve the problem.
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. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the XXXXaw & will not explain their policy .... 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 TransUnion is 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 the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts 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 accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have XXXX XXXX XXXX, XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I disputed a collection items, XXXX XXXX Account number XXXX with thisXXXX and Experian as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert from MyFico advising that a new collection was reported to the credit bureau. I checked the alert and saw that a company called XXXX XXXX XXXX is reporting a collection debt under my credentials. This was a complete surprise to me since there was never any kind of communication from this company and according to the CFPB Debt Collection Rule : Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. None of this was followed .... To this date I still show this reporting to the credit bureaus without my written instructions. I have never done any business with this company have any type of contract or agreement, and therefore they have no right to report anything on my credit report. XXXX XXXX XXXX is also reporting this an open account with them as XX/XX/XXXX which is fraud. In accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX - Account # # # # # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A - States I have to the right to privacy 15 U.S.C 1681 Section 604 A - Also states that a consumer reporting agency can not furnish an account without my written instructions.

I have been a victim of identity theft and my name and SSN have been compromised.
Product: Student loan

They sold my account in I cold not may small payment they want me to pay in full in I do n't have the money.
Product: Mortgage

We fell behind on our mortgage due to temporary unemployment. We communicated with LoanCare to let them know about our difficulties. We were advised to fill out a Loss Mitigation packet. After almost 2 months of back and forth with that part of the company, we were denied for assistance. In the meantime, we have borrowed the money to catch the mortgage payment up. I have been trying to pay for this for over a week now. Here we are ONE DAY before our home is supposed to go up for sale and no one wants to help me. I call LoanCare to see how much I need to send them to make my mortgage right, they advise me that they can not give me that information, that I have to call the Law office handling the case. I had already called the Law Office last week, Thursday to be exact. They had to request the information from LoanCare. I am going back and forth with them, and now they will not even answer my phone call or call me back. It 's almost like they do n't even want the money for the house! Do they enjoy it when people lose their homes?? I am beyond furious with this company. I have been on hold all day only to be told that no one can help me. The Law Office has contacted them multiple times requesting the amount needed. The least they can do is answer the law office with an exact amount I need to pay so I can get this out of the way and move on. It really is n't that hard.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized inquiry on my credit report. I recently reviewed my credit report and found an inquiry made by [ Creditor/Company Name ] on [ Date of Inquiry ]. I did not authorize this inquiry, and I believe someone may have fraudulently attempted to apply for an RV in my name without my knowledge or consent.

As I have no knowledge of this inquiry and did not initiate or approve any request for credit or financing with this company, I request that you investigate this matter and have the inquiry immediately removed from my credit file. 

To assist with the investigation, I have attached a copy of my credit report with the unauthorized inquiry clearly marked. Please advise me of the steps I need to take to ensure this issue is fully resolved and to prevent further fraudulent activity on my credit. 

I would appreciate your prompt attention to this matter and request that you keep me informed of the progress and outcome of your investigation.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Debt collection

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. XXXX of these was : Diversified Consultants The address listed on the credit report is : XXXX XXXX XXXX XXXX, FL XXXX The account number that they are reporting is " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA . I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. XXXX tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 53 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ) and Diversified Consultants have NOT removed this account from my credit reports, or have sent me any kind of validation. 

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. 

Thank you for helping me resolve this matter.