23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am receiving multiple daily calls on my land line from portfolio recovery. I have asked them to stop calling this number. I never gave out this number to anyone other than family for emergency. They went on their own to find this number and they have been harassing me. I probably have over 5 missed calls a day from them. I did. I have not had this issue with my phone number until we switched to XXXX. They call at random hours and have been disrupting sleep.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax put a credit lock and 3 year long fraud alert in my credit report and SSN. I had paid member services in XX/XX/2020 and no XXXX account showed cup on my file nor did I receive a phone call to request permission to remove the alert for XXXX. XXXX XXXX XXXX2020, exactly 2 months later Equifax inaccurately added a XXXX collection account on my report after all my accounts were paid off on my report, that shows this fraudulent was opened 2 months ago. This would mean that Equifax put it on my report knowing it was false information and reported false information for the lock, the fraud alerts, and membership alerts would have alerted me and the XXXX account is no where on file In their system. On top of this, they refused to allow me to report it after their error was discovered to protect the fraud and misconduct on their end. Equifax refused to allow me to report it
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction with how my recent dispute request was handled. I submitted a request to have the following items removed from my credit report : XXXX XXXX  : {$860.00} XXXX  : {$420.00} Despite my efforts to resolve this matter, Experian failed to provide a satisfactory resolution. 
Specifically : XXXX. Failure to Address Dispute : My request to remove these items was not properly addressed or disputed. 
2. Lack of Original Creditor Informatics I requested details about original creditor and the company to which the debt was sold, yet I have not received any response. 
I emailed this information in good faith, expecting a timely and transparent response, but have not heard back regarding the matter. This lack of communication and resolution is unacceptable. 
Please provide the requested information or remove the disputed items from my credit report promptly. I also request confirmation that my concerns are being reviewed and addressed in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report and it is now over 40+ days later and I have not received a response yet. I feel as though I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been long over 40 days so they should be deleted prompted. I demand these accounts be deleted immediately or I will file for litigation due to the stress I have been caused. My information was also impacted by the Equifax data breach and may have gone into the wrong hands.
Product: Credit reporting or other personal consumer reports

This has impacted my credit for a very long time, I have sent them documents of proof that something didn't belong to me but their still has been no change.
Product: Credit reporting or other personal consumer reports

This is extremely urgent.

I have been working on these items since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the same as the above XXXX XXXX XXXX ) This issue is causing a serious problem with me closing on my mortgage loan. I requested all XXXX credit bureaus to remove the dispute comments and they are still showing and costing me each time my mortgage lender pulls my credit. 

The bureaus keep saying that they have removed moved and when the lender pulls the reports from XXXX XXXX XXXX XXXX XXXX XXXX. These dispute comments have to be removed for the lenders to close my loan. I was supposed to close on XX/XX/2024 and this problem is placing me in jepordy of losing my large down payments and earnest money. I CAN NOT move forward with my loan without this being resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account Name XXXX XXXX  XXXX # XXXX {$410.00} Account name : XXXX  XXXX  {$520.00} has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The investigation has not been completed. It has been well over 30 days and I still have not received a response.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND MY INFORMATION WAS INVOLVED IN THE EQUIFAX DATA BREACH AND RELEASED TO THE PUBLIC WITHOUT MY CONSENT. I NEED ALL UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED IMMEDIATELY. I NEVER OBTAINED ANY GOODS SERVICES OR MONEY FROM THESE TRANSACTIONS. THIS DISPUTE WAS NOT DONE IN ERROR AND THERE IS NOT A MISREPRESENTATION OF MATER FACT RELEVANT TO THE REQUEST. MY RIGHTS ARE BEING INFRINGED UPON AND I NEED ALL ACCOUNTS REMOVED IN 4 DAYS
Product: Debt collection

I did not own a social security number in the date this medical bill was issue how they charge me something it does not belong to me for years and it is lower my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : COLLECTIONS XXXX XXXX  XXXX XXXX XXXX XXXX {$100.00} not mine XXXX XXXX XXXX  XXXX  XXXX  XXXX {$990.00} not mine Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX XXXX published a story about credit bureau problems for consumers. I was featured in the article featuring my dispute with XXXX XXXX credit reporting company for incorrect information they refused to fix, after I tried several times to get them to correct the data. I was also featured on the XXXX XXXX XXXX with XXXX XXXX again talking about XXXX XXXX. I have no late payments, my credit use is around XXXX % yet XXXX XXXX recently dropped my credit score by over XXXX points. I pay my bills, my credit score currently does not reflect my paid on time payment record. I can only conclude that XXXX XXXX is punishing me for allowing my story to be published and televised. My credit score is now XXXX I was over XXXX in XXXX and nothing has happened that should bring my score to this low level/
Product: Credit reporting or other personal consumer reports

I request for company yo be removed off my credit. I did not give consent to XXXX XXXX. I have confirmed that I did not give them any consent to report. A representative told me to file with credit Bureau. I would like for XXXX to honor the 15 USC 1681b no consent matter as they have not
Product: Debt collection

In a phone call on XXXX XXXX, 2017 two TransWorld representatives stated they will not discuss parking tickets in collections associated with a vehicle I own. They claim they can only discuss these tickets with my ex-husband, who was previously listed as an owner, in addition to myself, on the vehicle 's title. I am the only owner of the vehicle currently and have always been listed on the title. I am unable to discuss or settle my debt and as a result, will face severe material damages from being unable to legally operate my only vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have written both XXXX XXXX and XXXX ( XXXX XXXX ) advising them to remove these accounts that I didnt authorize in my name. I was XXXX some time ago and during my XXXX time someone used my name to obtain credit. I explained this to all creditors and they all followed protocol of removing the blemishes all but these two creditors. I am trying to move on with my life and I cant with this hanging over my head.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I have mailed complaints to TransUnion on XX/XX/2020, and XX/XX/2020, and they have not responded or resolved the matter. I am attaching a copy of the mailed complaint for your records. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor name XXXX XXXX XXXX ( Reason for investigation : inaccurate information. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 
Original creditor name : Diagnostic imaging Services ( Reason for investigation : inaccurate information. Please Un-verify & delete this information )
Product: Debt collection

This company is not licensed and bond to collect in the state i live in. I do not owe them any debt.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or rectify the following items : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX  of fraudulent charges to my account in XX/XX/2022. I called on several occasions, but the balance remained on my account. After several months of them reporting this to my credit report, my score dropped by more than XXXX points on Experian. I decided to file an FTC Identity Theft Report and send them the appropriate notification. They responded in an email saying : " Your account has been closed. Your unpaid balance has been cleared. No payment ( s ) or action is needed from you. Your account has been or will be reported as closed with XXXX balance. No unpaid balances will be reported going forward. '' All was true for my XXXX report, but the information on my Experian Credit report regarding this XXXX account continued to impact my credit score negatively. 

I disputed this negative information with Experian by providing XXXX 's email and the letters I had sent them. Experian denied my dispute and refused to update this information ; instead, Experian placed a false consumer statement and fraud alert on my file that I did not authorize.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over XXXX  days ago, I have not received a response, and there has been no satisfactory validation provided. I kindly request your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I have request validation of debt from them for the past 8 months and they are ignoring my request. It's mu understanding that per FCRA they are to take my request seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED WITHOUT MY CONSENT. I FILED FTC REOPRT AND CONTACTED COMPANIES NOBODY IS HELPING ME.
Product: Money transfer, virtual currency, or money service

I rely on Zelle to pay my rent and other important bills. i have more then enough money but I'm severely limited on how much i can send though the app. 

I would understand if these are new accounts I'm sending money to it could look like fraud but this is how I've been paying my rent and child support and other very important bills and i find myself at odds due to the purposeful limiting amount the bank decides to impose on me its very frustrating. 

I was also unaware that my money was non refundable if sent to another person by mistake. This app dose not make me feel safe using at all.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies that do not accurately reflect my financial situation. This erroneous information is negatively impacting my credit score and limiting my ability to obtain credit. 

I have already disputed these accounts with each credit Bureau but have not received a satisfactory resolution. I am now seeking the CFPB 's assistance to re-investigate these inaccuracies and ensure they are removed from my credit report. 

Below is a list of the of inaccurate accounts I am asking you to re-investigate : 1. XXXX Bank Delaware Account XXXX : XXXX 2. XXXX Account Number : XXXX 3. XXXX  XXXX ( Account # XXXX ) Account Number : XXXX 4. XXXX  XXXX ( Account # 2 ) Account Number : XXXX 5. XXXX Bank Account Number : XXXX 6. XXXX XXXX XXXX. 
Account Number : XXXX Thank you for your attention to this matter
Product: Vehicle loan or lease

I have a car financed by US auto sales. They transferred over my car to Westlake portfolio management. When I initially got the car it says with the warranty and XXXX it would be XXXX XXXX. Since theyve transferred the loan, the payments Ive made for over a year and a half are nowhere to be found. They are saying I still owe the amount from when I initially got the car. They also are still charging me for XXXX and extended warranty however, it is not showing up that I have any on my vehicle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Card opened without authorization from the card holder due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  & Equifax are not responding to any of my disputes I have sent and that is against the law. I am aware of my rights and they do still have to provide results whether there is COVID or not. I have yet to receive any mail or any correspondence that they have even looked at my disputes. They are reporting serious errors on my credit file and they need to provide me results!
Product: Debt collection

My medical debt was transferred from XXXX XXXX XXXX to Browns Collection Service in XX/XX/XXXX. In XXXX of XXXX I explained that I did not have the funds to pay in full and could realistically pay {$200.00}. They told me the minimum was {$280.00} and that it was a courtesy they didn't need to offer. I sent 3 payments, only 2 were received. They are now threatening me with a lawsuit if I do not pay in full. During a global pandemic. I do not have the funds to pay {$3600.00}. When I was trying to work out an arrangement, XXXX XXXX was rude the entire time. Told me I was " lucky '' to even be getting a payment arrangement, and that the lawsuit would take care of dealing with me if I couldn't. XXXX has yelled at me numerous times, told me I was poor with money management, alleged that my husband should take care of it if I couldn't, and said my inability to pay was " luxury items '' she told me I had no reason why I couldn't take care of it, didn't ask if I was struggling with employment, or other life events, and said that she was the expert after 20 years of doing this and that my account isn't special. XXXX. Unreasonable torment for someone that's just trying to do the right thing and pay their bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Product: Credit card

XXXX Bank provided me the merchant proof of their response, which did NOT support my {$500.00} charge in XXXX with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX are NOT the same company but clearly, they are working together behind the scenes concocting against me. I signed a contract with XXXX XXXXXXXX XXXX company in XXXX with alleged lawyer XXXX XXXX who was supposed to help me win money back from a previous company I worked with earlier in the year ( XXXX XXXX  ). Again, they reached out to me and offered these " fake '' services. When they ( XXXX XXXX XXXX ) charged my card for lawyer representation and to obtain services ( as outlined in the contract ) I did not expect the charge to read " XXXX XXXX XXXX '' and this seems to be where the confusion lies and they have pulled the wool over your eyes. When I learned that this company was illegitimate, I requested my refund, as per contract. But the proof that was provided has tricked the bank because they have provided some artwork and proof but the fallacy in this is that THIS IS NOT THE SAME COMPANY... AND THE DATES, NAMES, AND COMPANIES DO NOT MATCH. AGAIN, I met XXXX XXXX XXXX XXXX in XX/XX/XXXX. Artwork or not, WHY WOULD XXXXXXXX XXXX ACCEPT ANY ALLEGED PROOF THAT IS 1. BACKDATED TO XX/XX/ ( I NEVER HEARD OF XXXX XXXX XXXX AT THIS TIME AND HAD NO RELATION ), 2. THE EMAILS HAVE NAMES XXXX AND XXXX ENDING IN XXXX XXXX XXXX  NOT " XXXX XXXX' ... ..AGAIN, THESE ARE NOT THE SAME COMPANIES. Although they appear to be working together and against me at this point. XXXXXXXX XXXX appears to as corrupt as these two previous companies if they are actually " investigating '' and failed to acknowledge these key details. Again, the contract from XXXX XXXX XXXX was signed in XX/XX/XXXX XXXX  and the details are NOT about XXXX.. but instead LAWYER REPRESENTATION TO help me get my money back from previous book company ( which happened to be XXXX XXXX  ). Now I am led to believe that XXXX XXXX XXXX is working in corruption with XXXX XXXX XXXX separate bookwriting company that ripped me off in thousands earlier this year ) and XXXX XXXX  ( who is overlooking key facts and details in this case that DOES NOT SUPPORT {$500.00} charge in XX/XX/XXXX XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX Balance : {$750.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.