23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Various information and accounts are fraudulant, opened by someone other than myself. Identity was stolen and they keep telling me the debt is mine even though my ssn was stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed another copy of my credit report and noticed the following information regarding inquiries to be in error. The items listed are all unauthorized inquiries. They have pulled my credit report without my permission. I sent a dispute letter and a complaint letter to each company as well as XXXX and Trans Union credit bureau without receiving a response. Below are the dates and the name of the companies. XXXX XXXX on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ).. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). I have not applied for a mortgage nor a car with this company. The unauthorized inquiries were not a result of an action that I took, such as applying for credit or financing or as a result of a collection. The inquiries shown on my credit report are not a factual record of the companies who have accessed and reviewed my profile and should not have logged onto my credit report. This activity should not remain on record. I want the inquiries off my credit report. I did not sign and request any credit for any of the four places listed above. I have contacted the companies and requested that they remove the inquiries from my credit report as they were unauthorized and are not able to verify that the inquiries were initiated by me .Also I have not received any responses from them for over 60 days now. Kindly investigate my claim per the Fair Credit Reporting Act. for the unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report at the address I provided.
Product: Credit reporting or other personal consumer reports

This is one of 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. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.
Product: Credit card

Barclays is charging me XXXX for charges they did not pay to a vendor XXXX XXXX XXXX. The vendor is stating that Barclays only paid them {$2300.00} and the other {$5800.00} has not been paid. I need evidence that Barclays in fact did pay XXXX the other {$5800.00}. XXXX also has agreed in multiple emails that they have paid over paid {$8100.00} but Barclays refuses to take my call or respond to emails. Barclays is a horrific company and their Office of the PresidenXXXX should be ashamed for the way they treat customers.
Product: Student loan

Navient is claiming that I did not fill out an income based application, which I did. I filled out the application in XXXX 2019. As a result, my account has been assessed with fees and they refuse to acknowledge that I sent in my application. 

The income based repayment program grants consumers lower payment options and relieves consumers of their debt after twenty five years. I believe that Navient claims that they have " misplaced or loss '' the filled out application not only to add fees to consumer accounts but to ensure that the clock does not start on the consumer being able to relieve their debt in twenty five years. 

I filled out an application in XXXX 2019 that was accepted and approved by Navient. However, they have claimed that they do not have it and even if I send them the completed application they agreed to, that it is no guarantee that my account would be back dated to the date of the application. This is unfair and it seems illegal since the application is a legally binding document.
Product: Debt collection

Since XXXX of XXXX I have been recieving multiple calls daily from XXXX claiming to be citizens bank loan and finance collectors with a call back number XXXX. The name they inquired about was a XXXX XXXX which I do not know who this person is, I have no relation to that name, family, friends or otherwise. I am not a citizen 's bank customer past or present and have never used any services from the company. I notified the company ; by calling the citizens bank customer number provided from XXXX as well as calling the number provided in the complaint, back in XXXX and on XX/XX/XXXX but the calls continued. Usually several times a day ( 2-4 times everyday ) between XXXX and even up until filing this complaint. I attempted to block the number but they continued leaving multiple voicemails each time they called until my voicemail was full. I also notified my phone company. All of this has hindered my local business since clients can not leave a message when attempting to contact me. I have contacted the number several times, ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX ) demanding them to stop. Each time they claimed they would take my number out of their system but I am still being harassed and have even recieved a call as I am filling out this complaint. I did notify them on XX/XX/XXXX that I would be filing a police report if they did not cease their activities.
Product: Debt collection

After many calls with this company, southern management systems, i was told to send in a dispute in writing which i did after they received the dispute they said they would only remove a couple of things from the move out bill when i asked them why, all they said was that the apartment company would only remove those, when i asked to speak to the apartment complex so i can understand why, they refused to give me any numbers and said all discussions must be through them but i have been hung up on by this company at least ten times. Managed to finally speak to a supervisor/manager who kind of helped out and said to re dispute the newest letter, which i did but now they are saying they did n't receive it, but thats not my fault i could n't send it registered/certified mail because the only address they will give me is a  XXXX   XXXX   XXXX      now they have reported me to the credit bureaus not only on my credit report but on my daughters as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my report thru the monitoring service and see several items like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I am not familiar with and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.
Product: Credit reporting or other personal consumer reports

Transunion repeatedly states they have verified the public record information on my credit report via the courthouse or XXXX XXXX. The court doesn't verify this information. XXXX XXXX has removed the information because it couldn't be verified.
Product: Debt collection

Hi, They continue to call after telling them to stop calling. Has sent dispute letters without response. The debt date continues to change, which is aganist the law. The debt should be no longer valid but the date continues to change. Very harassing!
Product: Credit reporting or other personal consumer reports

This additional letter provides further details to support my initial dispute, with a focus on ensuring compliance with XXXX XXXX standards. I am requesting the immediate removal of inaccurate items and corrections to my payment history. 

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

I want to apply a XXXX Freeze to my Trans Union Credit report. I have been trying for two days to call several numbers to reach the company, spending several minutes to navigate their menu systems, reaching the correct queue, only to be hung up on by the automated system and receiving a fast-busy tone. Calling their support does the same. The system status message says everything is working, and there is no indication of issues on their website. I have no options to contact the company to apply a freeze. With the current risk from the XXXX data theft, this is completely unacceptable.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX and Transunion are all collectively consumer reporting agencies and I am the consumer. I have the right to make sure that my private information isnt shared which is backed by 15 USC 6801 which clearly states, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX are financial institutions by definition under that title. 15 USC 6801 section 604 a section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX the financial institutions and the consumer reporting agencies XXXX, XXXX And Transunion do not have my consent to furnish this information and they surely do not have my written consent. This is notice that any and all consent to XXXX, XXXX, Transunion, XXXX XXXX, XXXX  XXXX XXXX, & XXXX XXXX XXXX , whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise the NONDISCLOSURE option. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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 convictions of crimes which antedates the report by more than seven years. These accounts are adverse items they are reporting again, without my permission which is against the law. 15 USC U.S. Code 1681s-2 ( A ) ( 1 ) A states 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. 15 USC 1681 e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I AM OPTING OUT OF YOUR REPORTING SERVICES IMMEDIATELY.
Product: Student loan

Received email from Nelnet at XXXX on Friday XX/XX/XXXX which is against the Fair Debt Collection Practices Act ( FDCPA ) by contacting me at an unreasonable time. Nelnet 's contact number is XXXX ( XXXX ) XXXX. I have student loans through Nelnet. This email woke me up and I consider this to be harassment due to the unreasonable and unlawful time they contacted me.
Product: Credit reporting or other personal consumer reports

This is my first attempt to inform you that I am a victim of XXXX XXXX. I am writing to dispute specific records in my documents that result from this crime. The records in question are not related to any transactions involving goods, services, or money that I have made or authorized. Please remove any significant information in my credit record that resulted from the alleged fraud or XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

WellsFargo Bank concluded my account to be declined another distribute a account beginning with man dealing social security functional account to do indigent shopping distribution of faux cd 's money better if not there.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent early XX/XX/2015 requesting verification. It has been more than 30 days and no response or update with the status of removing invalidated information reported by this agency/company.
Product: Debt collection

Schlee & Stillman , LLC is attempting to collect on a debt that I do not owe. They are threatening to garnish wages and sue me for medical billing I have never acquired at a hospital I have never been to. The last XXXX digits given do NOT match my SS #. 

I would like to have a cease and desist put against this company on my behalf. 

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

My information was bought and sold illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. So please help me delete these illegal accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

was trying to purchase a home and pulled my score. notice some hard inquirieXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for a XXXX XXXX XXXX XXXXXXXX account or any account related to them on XX/XX/XXXX. Please remove it from my XXXX credit report immediately. 

I did not apply for a XXXX Credit Card on XX/XX/XXXX. Please remove it from my XXXX credit report immediately. 

I did not apply for a XXXX account on XX/XX/XXXX. Please remove it from my XXXX credit report immediately. 

I did not apply for XXXX XXXX XXXX XXXX on XX/XX/XXXX. Please remove it from my XXXX credit report immediately. 

I did not apply for a XXXX XXXX Credit Card or any card related to them on XX/XX/XXXX. Please remove it from my Experian credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Complaint with Experian as they are the only one of the 3 major reporting Companies who are continuing to illegally show information that they are required by law to remove from their report full of lies. 

They are criminals and have been doing this for years. Is anybody ever going to do something about these Criminals? EVER?
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / 2017  i sent a certified letter to Exper ian ( atta ched below ) to dispute how a bankruptcy was being reported on my credit report. The certified letter was signed for on  XXXX / XXXX / 2017  by them and they responded with a letter on  XXXX / XXXX / 17  stating that the  US BKPT  CT in  XXXX  IL was reporting the Bankruptcy. The address listed on the credit report is incorrect and I have since found the correct address and written a letter to th e US FEDERAL BKPT CT  in  XXXX  IL requesting the clerk send to me their procedures on reporting to the bureaus '. On  XXXX   XXXX  I received a letter from the clerk which I have attached claiming the court does not report to the bureaus ' directly. Therefor the information on my credit report Experian is reporting is inaccurate.
Product: Debt collection

XXXX ( XXXX XXXX ) harassing me all of a sudden after XXXX years without no billing notification, mail or email notification telling me I owe {$1100.00} in medical bills. XX/XX/21 XX/XX/21 XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, PA XXXX Billing Office : XXXX This is terrible after XXXX years without notification that these debt XXXX are harassing me that I owe them. I didn't have any chance to file a complaint at the time of service, I don't have the same insurance anymore, I don't have records of this and the statute of limitations on debt is over and against the Fair Debt Collection Practices Act. This is also against the No Surprise Act for medical billing me all of a sudden out of nowhere. In the related matter, hospitals and other medical providers in New York are banned from reporting medical debt to credit agencies under a bill passed in XXXX by the states legislature. This medical service at the time was under an attorney for medical malpractice. I am filing a complaint, I would like this to stop.
Product: Mortgage

I 've been living in my home with my wife and XXXX children since XXXX of 2010. Everything was going well as planned until we ran into some financial issues. Our current mortgage is thru Bank of America and after falling behind a few months on my payments, I reached out for assistance. At first they tried to give me a 3 month forbearance, but after completing all paperwork required, and XXXX payment submitted, they decided to return my check and tell me that I did n't sign the last XXXX sheet in time, so I 'm no longer approved. Since then I 've been in touch with a representative who was trying to work with me on submitting more paperwork to be reviewed for help, but they came back again and tried to say I made a few XXXX more than I did. I was advised to resubmit the paperwork again with the figures that were exact ; I was told that if I do n't get approved then my only choice will be a short sale or foreclosure. I ve repeatedly expressed that I 'm willing to do anything and make payments but they do n't seem to care. I thought they 'd want to help someone willing to make payments but they 'd rather try and foreclosure or make me do a short sale. I do n't know where to go from here if I can not get assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

My concern is that An account from the company " XXXX XXXX '' with A late payment status on XX/XX/2022 was previously removed from all 3 credit reporting agencies the next month XX/XX/2022. But as of XX/XX/2022 the Late Payment reappeared on all 3 credit reporting agencies without my consent, without notifying me first, and without explaining why this previously deleted item is reappearing on my credit reports. And they want to keep claiming it's been verified but not tell me how. Futhermore my concern is COMPLIANCE. They have violated COMPLIANCE.

The credit bureaus are operating out of compliance. Due to the fact stated in the Consumer Financial Billing Act. I should be contacted before anything is placed on my credit report that has the potential to adversely affect my report. Also, I'm supposed to be contacted within 5 days before, I repeat before this is placed on my reports, to offer an explanation. In this case I was never called, emailed or received A letter. 

The Deletion changes are all documented within the cfpb database ; CFPB XXXX XXXX Responded XXXX ; " The disputed item is appearing just as you stated it should, on your current XXXX credit report. The account is being reported as never late. A credit report is being mailed to your attention for review and confirmation. '' Unquote. 

CFPB XXXX XXXX Responded XXXX On the credit report it shows, " No Delinquency, No, Never Late and Paid as agreed. ''