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

RE : TRAFFICKING BLOCK REQUEST TO whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Accounts that are being challenged : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account number # XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} XXXX  XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} XXXX  XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF HUMAN TRAFFICKING IN PERSONS OR XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 | DOCKET NO. XXXX | XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed an account was opened in my name on my credit report from XXXX XXXX XXXX. Was not me and a new inquiry from TD bank XXXX XXXX credit was not me.
Product: Debt collection

hello i just received a wage garnishment from asset recovery, but I was not notified prior to being sued, I did not know i had a wage garnishment until i checked my pay stubs then once I received the notice from payroll this is from 2010 i was never served also no settlement letters was sent out, I just finished paying off student loans voluntary so i would have a problem paying them, I tried to reach them several times just to get transferred to many different numbers and then to a voicemail that apparently does not return phone calls this is ridiculous to say the least they cant help when i call but can take money out my checks every week. how can they garnish my wages after no prior notice. A attorney suggest bankruptcy but i think that was just for the money this is becoming very frustrating they are taking more money then the government out of my checks.
Product: Credit reporting or other personal consumer reports

Have been unable to log in to the TransUnion account to manage my credit freeze. This has delayed me being able to apply for a mortgage. I have tried other PCs and My phone, and is definitely a problem on their end. 

They point to a XXXX account ( XXXX XXXX  ) for support. Apparently unaware that DMs can now only be sent by paid premium accounts, they ask that I send a DM to get support.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting bureau will not remove inaccurate information. Specifically, XXXX XXXX/XXXX. XXXX is reporting 30 days late in XX/XX/XXXX andXX/XX/XXXX, despite the fact that this information should have been removed in XX/XX/XXXX. See the attached documents. I spent two hours  talking to both XXXX and Experian on XX/XX/XXXX, and filed an online complaint on the Experian website, without success. As of XXXX, XXXX, XXXX, Experian has not updated its reporting on XXXX/XXXX  XXXX. I have been trying to resolve this inaccurate information since XX/XX/XXXX. 

Also, XXXX  has not updated its reporting on XXXX/XXXX.  XXXX, as of XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Huntington National Bank did a hard inquiry on  XXXX / XXXX /2017 without my permission! I have not personally requested for any loans or credit from them. I am a victim of identity theft and currently have identity theft alerts on all my credit reports. This additional unwarranted and unauthorized inquiry is causing damages beyond their knowledge! I want to know who personally requested my private information so that I can have law enforcement take proper actions. I am tired of being abused in this manner.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent dispute to XXXX XXXX XXXX to update/correct several errors on my credit file that are negatively impacting my score and rating. I provided receipts and proof of payments made and instead of truly investigating they replied less than 12 hours later with Disputes Closed and status updated when all of the information is still wrong. 

XXXX XXXX XXXX  XXXX was paid in XX/XX/XXXX for a loan that was in collections but they are still reporting the balance as owed. 

XXXX vehicle loan has been paid in full for the {$28000.00} loan on time never late and has a XXXX balance it was left on there owed impacting debt ratio negatively. 

Credit card balances for XXXX XXXX and XXXX XXXX XXXX XXXX was left at high balances when they are all paid. 

XXXX XXXX is left at over {$4700.00} when the balance is {$1700.00} XXXX XXXX is left at over {$4500.00} when the balance is {$2500.00} XXXX XXXX bank agreed to a pay and delete of a collection account but is still reporting this as negative for the past several years but disputes and documentation never fixes. 

Credit Collection XXXX falsely put a collection on my credit with no notification to me, when I saw it they told me it was XXXX XXXX. I called XXXX  who told me it was an error in my cancellation of my policy. I fixed it with XXXX the original creditor and paid them directly. Yet the debt debt for Credit Collection is on my file even though I knew nothing of them before they attached to my credit. XXXX agreed to delete due to error but they will not they are still reporting it as a negative account. I provided a paid receipt. 

XXXX did not investigate these disputes they simply falsely stated that all of the information meets Fair Credit Reporting and sent it back. Had they truly investigated they would have fixed all of these true errors in balances and payment statuses. They are fraudulently maintaining bad credit ratings and negative information that is causing people like me to suffer even though we are paying bills on time and have paid off bad debts. Because of this I can not buy a home or finance medical loans needed for medical procedures for my very sick spouse. I paid all of these bills and debts to do the right thing but the credit bureaus will not correct the errors.
Product: Vehicle loan or lease

Prior to the transfer, I was current on my payments due to a loan extension agreement with the previous creditor. I received initial communications from your company indicating that my account was being transferred. 

Despite this, I have encountered numerous issues since the transfer : XXXX. Initial Contact and Extension Agreement : On XX/XX/year>, I received an email stating that I was behind by three months. I called and spoke with XXXX, informing her of the existing loan extension with the previous creditor. She mentioned that the extension was not in your file and requested that I email the loan extension letter for review. I complied and sent the necessary documentation. 
2. Threatening Communication and Lack of Resolution : On XX/XX/year>, I received another threatening email demanding immediate payment or the return of my vehicle, despite having provided the loan extension documentation. I called again on XX/XX/year>, and spoke with XXXX XXXX to discuss why my extension was not being honored and to arrange a payment for XX/XX/year>. XXXX informed me that the loan extension would not be honored, belittled me, and claimed that the extension letter was fake. She threatened that if I did not pay the overdue amount, my account would be charged off. 
XXXX. Violation of Rights and Unlawful Fees : Your refusal to honor the valid loan extension agreement constitutes a violation of the XXXX XXXX, which requires fair and transparent debt collection practices. As a result of your refusal to accept payments, my account was subject to late fees and unlawful charges, wrongfully placing it into default. Furthermore, my car has not been repossessed, and I have not received any official notices of repossession. 
4. Inaccurate Reporting and Unprofessional Conduct : After providing the loan extension agreement, my account was charged off the following day. Additionally, your company inaccurately reported to the credit bureaus that my vehicle was repossessed, even though this was not the case. Your office 's behavior has been dismissive, rude, and uncooperative, especially given the short time you have managed my account. 
XXXX. Refusal to Accept Payments : I have made several attempts to pay my car note, but your office has refused to accept these payments, contributing to the wrongful charge-off and negative credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are stating that I was late when in fact I wasn't..Please delete this negative information reporting on XXXX/XXXX XXXX****, XXXX XXXX****,
Product: Payday loan, title loan, or personal loan

I APPLIED FOR A LINE OF CREDIT, AND I WAS DENIED
Product: Debt collection

Between XX/XX/XXXX-XX/XX/XXXX, I spoke with representatives from FCO ( FAIR COLLECTIONS AND OUT ) regarding an account listed on my credit report. During these conversations, FCO and I made an agreement for me to pay a total of {$9800.00} to settle my account and to have this account completely removed from my credit report. 

On XX/XX/2019, I received confirmation via email that FCO had received and accepted my money order payment of {$9800.00}. The following statement was made by FCO according to the final settlement letter : " This office accepted a settlement for {$9800.00} on your account. Therefore, this account has been closed in our office as settled. If any credit bureau was notified of this account they will be advised to update the account as settled. '' After receiving this confirmation and agreement to settle debt and close the account, I noticed that the credit bureaus were indeed notified and the FCO account on my credit reports was removed, per FCO 's agreement. 

I also disputed this with XXXX  via XXXX, an apartment credit reporting organization during this same time period. After investigating this case, XXXX  verified my statements as fact and as a result, XXXX  sent me a confirmation letter stating that this collections account had been successfully removed from my rental history credit report. 

Less than 1 month later, I noticed FCO had fraudulently resubmitted my account information to the credit bureaus and has begun reporting the account negatively as collections. This has had tremendous affects on my well-being and ability to find stable housing and transportation.
Product: Credit card or prepaid card

XX/XX/XXXX I opened up my first credit card with Capital One. 

Due to it being my first and being XXXX, it was a high-interest rate and {$500.00} credit limit. 

I attempted several times over the years to increase my limit or decrease my interest rate to reflect my increasing credit history and credit score. 

Three years ago I was told that it was a special type of card where neither of those two options would ever be available. Because it's a low credit limit, I was worried about utilizing it and exceeding my 30 % recommended utilization. I was advised by the credit card company that the best way to utilize this card was to never close it because it was my oldest and was at least benefiting my overall credit score that way. I was never warned to maintain activity on it. 

On XX/XX/XXXX I was advised that my card was suspended and being closed in XX/XX/XXXX due to inactivity. 

This is my oldest card ( I have been a " valued member '' with immaculate history with the company since XXXX ) and it will significantly impact my credit score.
Product: Student loan

I believe my loan servicer and/or school placed me in a school deferment when I was not attending school. On my student aid account, I am listed as being in school deferment from XX/XX/XXXX to XX/XX/XXXX. I was a parttime XXXX  at XXXX XXXX XXXX from in XX/XX/XXXX then I transferred to XXXX University XX/XX/XXXX to complete a XXXX XXXX. I attended an XXXX XXXX  at XXXX University from XX/XX/XXXX and finished XX/XX/XXXX. I did not return to school until XX/XX/XXXX ; however I am listed as being in school the entire time. I was XXXX  full-time at a XXXX full-time this entire period as XXXX XXXX XXXX and then as an XXXX once I graduated in XXXX. The period from XXXX should count towards my XXXX forgiveness as I should not have been placed in deferment. I was XXXX  full time at a qualifying employer the entire time. I also made payments during the times I was not in school. I had no idea at all I was placed on this until I applied for XXXX for the first time until I was alerted you could find your student aid form on XXXX website. I have tried to resolve this with XXXX without any response. I also tried to resolve this with XXXX XXXX, and XXXX  XXXX. My loan servicer at that time was XXXX XXXX XXXX which has a very poor record keeping history and a bad servicer and has since closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XXXX to remove my fraud alert. I then received a letter from Equifax saying my request was forwarded to XXXX and XXXX. Surprisingly, both XXXX and XXXX created, instead of removed, the extended fraud alert for me. In the end, I have two more unwanted fraud alerts. Moreover, it is difficult to remove an alert from XXXX because they request additional documents that I can not provide now. It is also unfair to me to spend extra time and efforts because of others ' mistakes. These alerts without my consent have no contact information attached and thus effectively prevented me from getting new loans or opening new credit lines and ruined my financial plans.
Product: Credit card or prepaid card

XXXX  Card closed in XXXX. XXXX  sold account to Comenity Bank and I was unaware because they had the wrong address. I tried contacting several times to get an account number and change the address requesting a statement on XX/XX/XXXX it is now XXXX. I have yet to receive a statement so XXXX can setup my online payment. I dont have an issue paying it. I just want to see the account information with the new company and that is my consumer right. I made XXXX payment over the phone against my better judgment. 

XXXX XXXX Account : unknown Address : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX and did not receive a response. I will include a copy of the signed receipt of the certified letter. 
XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. XXXX, Experian and XXXX. 
XX/XX/XXXX - I received fraudulent documents from XXXX XXXX with a signature that does not belong to me and XXXX XXXX transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. 
XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.
Product: Credit reporting or other personal consumer reports

Reporting Act. The list of accounts below has violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX18. 15 U.S.C 1681 Section 602 A States I have a right to privacy. 15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

In early XX/XX/XXXX I was a victim of identity theft. I notified the bank of fraudulent charges on my credit card account. I filled out dispute which they lost. However the Bank did close that card and issued a new one that I did not want. I did not receive the new card. The Bank closed my internet banking at the same time as closing my credit card. I asked them to make sure statements were mailed to me however I never received any statements. Unauthorized transactions in the amount of {$4800.00} were made on XX/XX/XXXX. I recently received all of this information as a judgement from the court was brought against my in the amount of {$13000.00}. I settled with the Bank for the amount of {$12000.00} however, with payments I made back in XXXX and early XXXX I should have only owed {$5000.00}. The Bank attacked me when I was dealing with XXXX treatment for my father and also my wife. I had repeatedly in early XXXX told the Bank I was not receiving my statements and even though the fraud department knew of my identity theft they did nothing to stop the fraudulent charges. I had signed up for estatements and if you do that evidently if your internet banking is closed they do not remove a code to insure statements are mailed.
Product: Credit reporting or other personal consumer reports

Hello, I have reported to both XXXX and XXXX that a collection company continues to reset the origination date on an old collection account, falsely reporting it as new. This practice is fraudulent, as the law explicitly states that the 7-year credit reporting clock begins on the date of the missed payment.

I need this issue resolved with both the credit reporting bureauXXXX and the collection company. I do not understand why the credit bureaus refuse to remove this inaccurate information. 

For reference, my IC System account number is XXXX. You can access account details at XXXX XXXX XXXX or by contacting I.C. System directly at XXXX.
Product: Debt collection

On XX/XX/2018, I contacted Capital One about a charged off debt that was reported on my credit report. The information reported was a charge off amount of {$890.00}. I explained to Capital One that this account was not mine and requested any written evidence of my owing for this account as well as presented my FTC report indicating that I was a victim of Identity theft. Capital One responded that the account was verified without offering any explanation of how it was verified. To date, Capital One continues to report this fraudulent account which has a negative impact on my credit score in all credit reporting agencies. Capital One has not and can not provide any credible evidence that I am responsible for opening this account. I maintain that I did not authorize the opening of this account or benefit in any way from this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a Transunion hard inquiry via XXXX I do not apply for any credit cards but noticed a hard inquiry coming from XXXX XXXX XXXX in the inquiry details. I called the number listed and in one of the prompts it asked for my social security number. THIS WAS A RED FLAG to me. I hung up and did a reverse phone number look up and found that the number listed in the inquiry does not match any belonging to XXXX XXXXXXXX XXXX. The address listed in the inquiry also does not match any belonging to XXXX XXXXXXXX XXXX according to their website. In fact it belongs to an individual. 

The credit bureaus have allowed a scammer to enter their information into their system which phishes personal information from consumers who trust credit bureaus.
Product: Credit card or prepaid card

On XX/XX/2023 bill statement, I had a balance of {$8000.00}. I had paid {$240.00} on the XXXX of XXXX and {$7800.00} on the XXXX of XXXX. I thought I had paid off the credit card to a XXXX balance. Bank of America had charged me additional fee of {$130.00}. I had paid my balance by the due date and I should not receive any fees. I had also paid off four other credit cards from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX, but only Bank of America had charged me a fee after paying of the account statement. I am writing this as a complaint and also want {$130.00} which I had to pay on XX/XX/XXXX returned. No consumer should have a fee or another bill once the previous statement is paid off to zero. If the goal is the paid off your obligation aka credit card, one should not expect another after paying off {$8000.00}.
Product: Debt collection

I am writing to formally dispute the recent credit report that contains inaccurate information regarding my account. The erroneous information is as follows : [ Specific inaccurate information, such as " missed payments '' and " late payments '' ] I request that you provide me with detailed statements and records of all payments made and missed since I opened this account. I believe this reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collection agency has failed to : Provide validation information : As required by 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided the necessary information to validate the debt, including the amount, the original creditor, and the date the debt was
incurred.

Allow me to dispute the account : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the debt within the required timeframe.

Refrain from furnishing false or misleading information : The collection agency 's actions in reporting this account without proper validation and disclosure constitute false, misleading, and deceptive practices.

Comply with disclosure requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), the collection agency is prohibited from furnishing any account to a consumer reporting agency without providing all required disclosures.
Product: Debt collection

I missed a payment and spoke with a rep to setup new payments and I continued to get calls after that.