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

So i had called XXXX Equifax XXXX multiple times from XXXX untill now 1. you have the wrong address on my credit report i never lived there.at XXXX XXXX 2. they told me this would be off my report with the XXXX XXXX  i paid them 3. you guys have alot of things wrong like XXXX  we were doing a pay out with XXXX we called XXXX with XXXX on the phone they were requesting the transfer pins to switch our numbers over. Then XXXX gave our numbers away to people we dont know not the transfer pin. to XXXX XXXX like they should so there fore XXXX couldn't buy them out because they didnt get the transfer pin for the numbers and to pay XXXX we would of just paid the remainder were still with XXXX i have too phones that i had bought from XXXX however we went to the corporate store XXXX said they should take some responsibly they gave there numbers to conatct they didnt agree with coorprate so i called u guys now im filing a complaint i don't think we should have to pay over XXXX to XXXX doallers because we could be getting charge for other people that have our numbers. plus we could of bought it if XXXX had been reasonable. 
4.XXXX XXXX XXXX of XXXX XXXXi was in the hosptial i had paid all my perosnal line credit off i ask for them to clsoe my accoutn they never did i been using it ever since trying to pay them off. im trying to see if there a settlement i work with pay lesser amount. 
5. last but least if someone can work with me that be great i been trying to buy a house and car i need my information updated and my credit score up. im single mom i can only affrod so much im trying really hard to manage these things work with you guys and all i ask is to please take in consideration my situiti\oun please help if u can.
Product: Debt collection

I continuously tried to dispute this debt that was fraud, I contacted the collections, I contacted XXXX as well and nothing was done I disputed a number of times throughout the month, lastly I submitted a letter to expire Ian to dispute and they have not gotten back to me within the 30 day period.
Product: Debt collection

I never received any communications from the collection company IC Systems that I owed money to XXXX. They just sent to to collections saying I owed XXXX {$110.00}. As soon as I seen the collections I immediately paid XXXX {$110.00} because I had no information from IC Systems. The following month my collection report showed that I owed {$25.00} to IC Systems on behalf of XXXX, so I paid the additional {$25.00} directly to XXXX. That was about 3 months ago and it still shows that I owe {$25.00}, I think they will continue to say I owe money to keep getting extra funds from me.
Product: Mortgage

On XXXX XXXX I paid my mortgage off in full but I have not gotten the DEED to my House .FHA Case:XXXX Loan No:XXXX Pay off amount {$130000.00}
Product: Debt collection

I have already spoken with them and made arrangements to make my payment and they called me today 3. Times back to back. Also told them to not contact my at my job and they keep calling there too
Product: Credit reporting or other personal consumer reports

Just recently I have reviewed my credit report and begin to notice these accounts were not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, on this account that has not been late on payments. I've attached of my credit report on the following dates ( XXXX and XX/XX/year> ). I am requesting you investigate this account and update this account and update these payments to paid on time immediately. 

Thank you for your prompt action.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention my difficulty in obtaining my TransUnion credit report through XXXX, as mandated by the Fair Credit Reporting Act. Despite my repeated attempts, I have attached a screenshot illustrating the persistent error preventing access. I seek your assistance in swiftly resolving this matter and ensuring my right to a free annual credit report is honored. 

Thank you for your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern ; I would like your office to investigate the following. I paid in full an amount owed to XXXX XXXX XXXX XXXX in California, which was submitted to a third party collection agency, XXXX XXXX. In addition to the payment, I made 4 copies of the money order as proof of payment, because I knew I could n't rely on the collection agency to report the payment to the bureaus and have it removed from my profile. I mailed it to the collection agency and the 3 credit reporting bureaus on XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX the debt is still listed on my XXXX XXXX profile as unpaid. 

Additionally, I filed a dispute with all 3 bureaus regarding a co-borrower account that belonged to my son, who did not have my written authorization to use me as a co-borrower. Nor did the apartment complex XXXX XXXX have my signed authorization to use my information as a co-borrower. If they would have had my full and complete information the transaction would not have gone through. The apartment complex has not and can not furnish any proof of my written consent, yet they still insist the debt is mine. My son has since paid the debt in full ; yet the collection agency XXXX XXXX and the apartment complex refuse to remove the account for my profile. It seems like the collection agency is looking to get paid twice. Which I 'm sure is a common practice with collection agencies. 

Both of these are having a negative impact on my credit score and I am determined to get all of my debts paid off. The 3 credit reporting agencies and the collection agencies are n't acting in the best interest of me as a consumer, because they are not enforcing the rules and regulations which require the fair and accurate reporting of my debts and payments. 

If you could look into and help me resolve this matter I would be grateful. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute letters to Transunion, and they continue to send me stall letters and not provide results. I have sent them all the documents they need several times, and they continue to stall.
Product: Credit reporting or other personal consumer reports

Equifax has failed to ensure accurate reporting of my payment history for several accounts, including but not limited to : XXXX XXXX XXXX, XXXX, XXXX, XXXX. Issues with Inaccurate XXXX XXXX XXXX XXXX : My credit report contains inaccurate entries for payment histories across these accounts, including repeated monthly reporting of charge-offs as new events. For example, the payment history for XXXX or more accounts reflects entries like " XXXX XXXX as of XX/XX/year>, XX/XX/year>, XX/XX/year>, '' which is improper. Failure to XXXX XXXX : Under 15 U.S.C. 1681e ( b ) of the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Repeatedly listing charge-offs as new events each month violates this obligation and has caused significant harm to my credit score. Violation of Reporting Statutes : According to 15 U.S.C. 1681c ( a ) ( 4 ), a charge-off can only be reported for XXXX years from the date of the first delinquency leading to the charge-off. Equifax repeated reporting of charge-offs as new events does not reset this statute of limitations and is misleading. Unjustified Account Closures : Equifax report inaccurately reflects unjustified account closures from XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXXXXXX XXXX, despite my efforts to maintain a perfect payment history. These closures, without prior notice or valid justification, have unfairly damaged my credit profile. Violations of the Wisconsin Consumer Act ( Wis. Stat. 427.104 ) Equifax reporting practices also violate the WCA by failing to provide fair dealing and reasonable communication. Specifically : Failure to Provide Adequate Notice : Inaccurate reporting of account closures and repeated charge-offs deprived me of the opportunity to address or dispute these issues. Unjustified Harm : These actions have caused significant and undue harm to my credit-building efforts and financial reputation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a payment to a friend using Paypal, payment should have been received by XX/XX/XXXX, it was not. As of XX/XX/XXXX payment had still not been received so I called Paypal to cancel the transaction, they refused and said a supervisor would call me back, they did not. I filed an online dispute with Paypal quoted below : " I spoke with an agent today who assured me her supervisor would call me within an hour. THEY DID NOT.I was also told that I sent the payment as " Goods and Services '' so you charged me a 5 % fee which is outrageous. 
I would never have used your service if I knew of the 5 % fee in advance and I wouldn't know how to send payment as Goods and Services so I would contest that. 
The payment was between two friends and not a business transaction. I have contacted XXXX XXXX to intervene and I would like to CANCEL THIS TRANSACTION. My friend has NOT received the money 8 days after the transaction and I already sent you a screenshot from Paypal showing that payment to her is delayed to XXXX XXXX 19 days after the original transaction. If this is not transaction is not cancelled I will be filing a formal complaint with all California and Government Agencies that I can think of and telling my story on Social Media. This is not acceptable business practice. Sincerely XXXX XXXX '' I have not received Any response from Paypal except the following '' Case status : Under review. We're reviewing this case and will get back to you by XX/XX/2023 at XXXX XXXX  PDT. As we review this case, you may submit any additional information that you have. '' Are they kidding, it takes 3 months to review or resolve a case concerning {$650.00}. 
This is completely unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to unfreeze my credit report with Experian using their website on XX/XX/2021. It appeared that my credit report was temporarily unfrozen until the creditor who was helping to refinance my mortgage tried to access my credit report and score. I went to Experian again and was not able to unfreeze my credit report and was told to write a letter to Experian with my drivers license and copy of a bank statement or utility bill to prove my address. The mortgage lender provided a telephone number for me to use to contact Experian since my refinancing application can not move forward without this report. The telephone number for Experian did not provide access to a real person and once again the only way I can get my credit unfrozen is to write a letter and mail it to Experian. My mortgage refinance application is now canceled since I can't get this report. There should be a way for me to recover my credit report online without the need to write a letter, wait for the post office to deliver, and then again wait for Experian to respond by mail. I should be able to talk to a person to resolve the issue, and not get captured by a telephone automation system that can't address the issue. I have tried to resolve this issue XX/XX/XXXX through today XX/XX/2021. I wrote the letter as instructed by Experian. Their lack of willingness to talk to the consumer could cost me thousands more in interest payments because of their communication firewall. This is unacceptable behavior. The idea was to protect me from credit fraud. I shouldnt be prevented from managing my financial life by a credit reporting agency. Shame on you Experian.
Product: Debt collection

Im filling this complaint due to a debt not owed I worked for the company XXXX XXXX for 1 year to get my commercial driver licence and they say I didnt and took out a collection on me and sold it when I didnt sign any contract or paper work stating they could do that I fulfilled their terms for the 1 year with them and they took out the debt this company has done this thousands of times to people already and have been sued many times about this issue I would like it removed off my credit report so I can buy a house
Product: Credit reporting or other personal consumer reports

I discovered some inaccurate details on my credit report under the provisions of 15 USC 16c-2. This incorrect information is harming my creditworthiness, and I did not authorize any of the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown inquiry to credit report.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and listed on my credit report : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Blance : {$0.00}
Product: Debt collection

Wakefield and Associates XXXX XXXX XXXX XXXX, TN XXXX I received a debt collection letter from the above company on XX/XX/2022 about a medical debt my insurance company had already paid. I disputed the debt in writing on XX/XX/2022 and sent the letter via certified mail. 

I never received anything back from the above company but they put a debt collection on my credit reports dated XX/XX/2022. 

On XX/XX/2022 I received another debt collection letter from the above company that referenced a different named creditor but had the exact same amounts of debt and account numbers. I disputed the debt in writing on XX/XX/2022 and sent the letter via certified mail. 

I never received anything back from the above company but they put a debt collection on my credit reports dated XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company and spoke with a representative who assured me she will file a dispute, Ive sent letters letting them know that the debt was a result of identity theft. I have never lived at the address that the debt is associated with.
Product: Credit reporting

XXXX / EQUIFAX / XXXX XXXXALL THE MAJOR CONSUMER CREDIT REPORTING AGENCIES ARE REPORT FRAUD ACCOUNTS AND WILL NOT BLOCK OR REMOVE ITEMS AS OUTLINED BY LAW. PLEASE SEE ATTACHED DOCUMENTS AND POLICE REPORT ALONG WITH LETTERS FROM THE COMPANIES REPORTING NEGATIVE AND FRAUD ACCOUNTS. 
ALL ACCOUNTS REPORTED ON XXXX / EQUIFAX / XXXX XXXX SHOW FRAUD ACCOUNTS OPENED BY XXXX XXXX USING MY NAME / SS # / DL # AND XXXX XXXX XXXX XXXX BANKS ACCOUNTS THAT I 'VE BEEN EXONERATED OF ANY DEBT OR LIABILITY.
Product: Credit reporting or other personal consumer reports

I am writing to address the recent fraudulent activities that have been linked to my account and to clear up any misunderstandings regarding my involvement. I understand that there have been perceived inconsistencies in my previous communications, and I want to provide a clear and comprehensive account of the situation. 

In XXXX, my grandmother passed away, and during that difficult time, my son 's phone, which was my old XXXX, went missing. We spent a lot of time at the hospital and at various relatives ' homes, and it was during this period that the phone was lost. My son recently admitted that he did not inform me about the missing phone because he was scared I would be upset. This crucial piece of information has just come to light, which is why I am finding new details as I try to investigate and resolve this matter. 

It is important to note that the phone was unlocked and had my card information stored on it. I believe that whoever found the phone accessed my information and used it fraudulently. I am in the middle of selling my current home and buying a new one, and I am fully aware of how critical it is to maintain a good credit score during this process. My credit score was XXXX before these fraudulent activities occurred, and now, due to these unauthorized inquiries and charges, my credit has been significantly affected. 

I am more than willing to cooperate fully with any investigation to prove my innocence. I have always been diligent about protecting my financial information, and I would never knowingly allow anyone to jeopardize my credit, especially during such an important time in my life. 

I kindly request that you reconsider the decision and allow me the opportunity to provide any additional information or evidence that may help clarify the situation. It is not fair for me to be held responsible for actions that I did not commit, especially when I am doing everything in my power to resolve the issue and clear my name. 

Thank you for your understanding and consideration. I look forward to your response and hope we can work together to resolve this matter promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

3. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I have had this account marked as a charge off for some time now on my credit report, however when demanding a debt validation letter, and a 1099-c form the company has gone completely silent.
Product: Credit reporting or other personal consumer reports

After previous attempts to address this matter have not yielded a satisfactory resolution. I believe it is essential to rectify this issue as it continues to adversely impact my creditworthiness and financial well-being. 
The account in question is as follows XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX has been trying to contact me through mail and phone calls stated that they are an collection agency collecting a debt from capital one in the amount of XXXX. I stated to the consumer service agent that I had reported this to consumer service fraud team regarding that amount. I stated that I had expressed to the fraud team in capital one that those charges are fraud and they havent used my credit card in over 6 months and I was told when signing up with capital one credit card on XX/XX/XXXX that once the account goes without any activity in over several months that the account will get closed for inactivity. I was under the impression that my account with capital one credit card was closed until I received a letter in the mail stated I owe XXXX. The account went delinquent on XX/XX/XXXX and the account was charged off on XX/XX/XXXX XXXX tried to fix the problem with capital one for a very long time and the fraud team was no help and they put me in collections. On XX/XX/XXXX XXXX  XXXX XXXX XXXX brought the debt from capital one.I placed over several disputes with XXXX XXXX XXXX XXXXXXXX, XXXX regarding the fraud on my capital one account, these disputes took place on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. None of these disputes were in my favor. I been harassed by XXXX XXXX with calls and letters stating i owe money and they also stated over the phone if I dont pay them they will take me to court and garnish all my money and assets.