23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company responded to my complaint misspelling my name claiming to have contacted me stating the debt has nothing to do with the hospital. I never received letters nor have I spoken to anyone on the phone. I believe they have placed someone elses debt considering they referred to me as XXXX not XXXX, the proper way to spell my name. I will be contacting an attorney if this is not resolved as I have not received letters to my physical address in XXXX or XXXX nor have I received calls to my XXXX area code phone number. My only phone number. I believe its not me that is confused but the company attempting to charge me for someone elses debt.
Product: Debt collection

I have previously reported this company ( GC Services ) for calling my number to collect debt not ever owed by me. If you review my complaints, you will see GC Services reported previously. They put numbers in some type of abeyance, then add them to there database again. 
These crooks have not respect for the law and choose to keep perpetuating fraud by harassing innocent consumers. I want to bring legal action against them so they might understand not to call me anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has been contacted and seems as if they're ignoring the investigation. Account specifically ( CONNS ) they mentioned Verified as Accurate, is NOT accurate at all. I have no responsibility for this account nor has the company even reached out. 

There needs to be a better job of investigating this is ridiculous. No information has been given to me from Equifax nor the companies reporting and Equifax is the only bureau reporting. It's now over 6 months and this problem persists!!! 

Per Certified Mail, Equifax HAS received mail.
Product: Debt collection

On XX/XX/XXXX I spoke to XXXX FROM XXXX RELATIONS ABOUT MY XXXX ACCOUNT WHEN IT WAS STILL ACTIVE DUE TO FALSE CHARGES OF XXXX EQUIPEMENT THAT had not been returned according to XXXX XXXX AND I EMAILED BACK AND FORTH TRACKING NUMBERS OF DEVICES THAT WERE SENT BACK AND RECIEVED BY XXXX WERE EMAILED TO XXXX, SHE APPROVED AND APPLIED CREDITS AFTER SEVERAL EMAIL AND PHONE CALL ATTEMPTS OF MYSELF TRYING TO GET XXXX OF XXXX. XXXX FINALLY SENT AN EMAIL BACK ON XX/XX/XXXX STATING CREDITS WERE APPLIED AND I was AT A {$0.00} BLANCE AND WOULD RECIEVE MY FINAL STATEMENT FROM XXXX. IN XXXX I RECEIVE A FINAL BILL TO A FORWARDED ADDRESS CONFIRMING ADJUSTMENTS ... MONTHS LATER RECIEVED A COLLECTIONS NOTIFICATION STATING ACCOUNT WAS PAST DUE ( DUE TO CREDITS FALLING OFF ) CONTACTED XXXX AGAIN DISPUTED EVERYHING THEY AGRRED TO REMOVE ALSO COLLECTIONS AGENCY AT THAT TIME AGREED TO REMOVE SINCE INCCORECT AMOUNT WAS REPORTED AND NOT OWED DUE TO EMAIL VALIDATION AND TRACKING NUMBERS AND INVESTIGATION.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold this loan and closed account, the second lender sold it to a third. At this point the debt is no longer being collected. The original lender keeps adding and lowering my credit score malicously when they are no longer the owners of the debt and have not owned it in 3 years. XX/XX/24 they reported inaccurate information that had sat there for 3 plus years with no change. They added information showing they no longer own the debt and added delinquencies and late payments to further lower my score. This is illegal and a violation of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax. 
spent over 2 hours trying to unlock my login got transferred under false pretenses.

unresolved after 3 attempts to contact them. 

is there a way to unlicense them for criminal negligence?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$15000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

Company reporting inaccurate information on my consumer credit file. Making it extremely difficult to obtain the necessary essentials. It is the responsibility of the consumer credit agencies to provide information that is fair and equitable to me, the consumer. Per 15 usc 1681a Acurracy and fairness of credit reporting.

Also it is in the Privacy Act of 1974 that state it is the duty of the company to provide disclosure to the individual, obtain written consent before reporting inaccurate and any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any remaining records. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to have my personal information updated to show the correct address where I can be reached. I sent both written requests as well as called Experian and XXXX to have this issue corrected and both credit bureaus are still reporting outdated addresses on my credit reports. 

Please see attachments of my current request as well as a copy of the written requests that I sent previously via USPS certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Verified via credit file with Experian and XXXX XXXX XXXX  is reporting this account as charged off on my credit file. Please investigate proper validation of this debt per FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, hired XXXX XXXX  by contract to install floors in my home. They installed the wrong color grout on my floors and incorrectly installed molding ( other issues aside ). I ask XXXX XXXX to fix this as per the contract, and made 7 appointments for XXXXXXXX XXXX  to fix the problem. XXXX XXXX  failed to make these appointments without notice before the appointment. I called XXXX XXXX  the day before the last 3 appointments and confirmed the appointment with them, but they failed to show or notify me. For the last appointment, which I confirmed with them and I stated that I would dispute the charge of {$8400.00} if they did not show up. I had to take paid time of ( PTO ) for each of these appointments and had no PTO left to take off for additional appointments. 
I disputed the charge with my credit card company, XXXX  XXXX XXXX, and after several communications and document exchanges they refunded me the charge. XXXX XXXX  did not attempt to contact me or fix my floors per the contract until the charge of {$8400.00} was refunded. XXXX XXXX  offered partial compensation for the floors, but the amounts they offered would not cover the cost. XXXX XXXX then sent the information to IC Systems who then registered it with the credit reporting agencies as an unpaid overdue debt. 

This is not a debt! It is a failure of a contractor to fulfill a contract. I disputed this debt with XXXX and they would not reverse it as they confirmed it as debt. 

As you can see by all the documentation that I provided, this should never have been reported to the credit agencies as a debt. XXXX was also sent all this information.
Product: Credit reporting or other personal consumer reports

Im writing your agency because these companies are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of informationIf any information is deleted from aconsumersfilepursuant to subparagraph ( A ), the information may not be reinserted in thefileby theconsumer reporting agency ( ii ) Notice to consumerIf any information that has been deleted from aconsumersfilepursuant to subparagraph ( A ) is reinserted in thefile, theconsumer reporting agencyshall notify theconsumerof the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumerfor that purpose, by any other means available to the agency.

these negative inaccurate accounts have already been deleted and i would like it to stay that way, i have kids and need good credit. 


XXXX XXXX - XXXX - Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation. - Please remove this inaccurate account from my credit report, as it in violation and must be deleted. 




XXXX XXXX XXXX - XXXX - Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation. - Please remove this inaccurate account from my credit report, as it in violation and must be deleted. 



XXXX XXXX XXXX XXXX XXXXXXXX - Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation. - Please remove this inaccurate account from my credit report, as it in violation and must be deleted.
Product: Mortgage

Sarma made multiple hard inquires to all three credit reporting agencies : XXXX - XXXX, XXXX - XXXX, and XXXX - XXXX, see attached. This has harmed my credit and credit worthiness as well as my ability to move. WHY is SARMA hurting my ability to move and making unauthorized hard pulls?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, LexisNexis sent me a " resolution '' letter indicating they deleted the bankruptcy record on my file maintained by them. As of this date, LexisNexis has not stopped reporting the item in question to the credit reporting agencies. 

LexisNexis internal XXXX # XXXX LexisNexis Consumer #  XXXX
Product: Credit reporting or other personal consumer reports

I received a collection from Midland credit. Upon receipt, I requested a debt verification, with no response. I subsequently certified mailed a total of 3 requests for debt verification, one which was refused by Midland Credit and returned to me. I did not receive a debt verification response for any of my requests. The debt appeared on my credit report, I disputed it, but it continues to appear on my credit despite Midland Credit not complying with federal credit law to verify debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect reporting on Citizens Bank auto loan. The account is reporting past due for the month of XX/XX/2022 this loan has never been late.
Product: Debt collection

**Letter of Intent** ** [ XXXX XXXX XXXX XXXX ** [ C/O XXXX XXXX XXXX XXXX. XXXX  XXXX ] ** ** [ XXXX, XXXX ] ** ** [ XX/XX/year> ] -future **The United States TreasuryXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX : TRANSUNION XXXX XXXX Request for Settlement of Debts Pursuant to 12 USC 411 and 50 USC 4305 ( b ) ( 2 ) ** Dear- Transunion, XXXX, XXXX, I am writing to formally request the settlement of { Any and all debts past present and Future ] pursuant to 12 United States Code ( USC ) 411 and 50 USC 4305 ( b ) ( 2 ).

As per 12 USC 411, Federal Reserve Notes I may be redeemed in lawful money at the Treasury of the Federal Reserve Bank. In addition, 50 USC 4305 ( b ) ( 2 ) provides for the discharge of obligations in times of national emergency. 

I am exercising my right to use lawful money to discharge the debt fully. 

Thank you for your prompt attention to this matter. 


Done in Good Faith, By : XXXX XXXX XXXX
Product: Student loan

I filed a complaint about this company XXXX and nothing was done about it. Their actions, fraudulant or not are the reasons why many students are in debt and unable to repay their loans because they do not provide solutions. I'm currently struggling to pay rent and other utilities while this company despite the number of complaints persists. It is amazing how this company is allowed to service federal loans and not offering solutions to resolve issues. I believe this loan taken out by my daughter, not me as I am a XXXX is a total sham maniupulated by XXXX College out in XXXX XXXX added to which my daughter left the school for health related issues long before her sophmore year began. These people do not cooperate and are not helpful in anyway or manner. They do not provide hard copy evidence or proof of the loan or supply you with physical hard copy mailings because they don't want to spend the money and purposely withhold information so they can keep the interest rates high to the point you'd have to starve yourself so they can get richer. It is a complete disgrace that they are allowed to service people who can not afford their unreasonable demands and have damaged my credit score because of it. I will not tolerate this any longer and I will file a second complaint.
Product: Credit reporting or other personal consumer reports

This account is reporting inaccurately on my credit report. According to the FCRA all information reporting on my credit must be accurate and verifiable. Please delete this account from my report immediately.
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 consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Bankruptcy XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C. 1681c. ( e ) ( 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 or other personal consumer reports

Sometime in XXXX of XXXX  I purchased tickets from XXXX XXXX  via the Membership. My family & I went once! Which was on XX/XX/year>, we had made plans to comeback on XX/XX/year>. But since it never happened I wanted to stop the membership payments, yet I noticed they already took the money from my account. I called multiple times, Ive reported it multiple times & I just simply wasnt getting my money back. I stopped the payments & deleted the account XX/XX/year>, so when I noticed a {$68.00} payment from XXXX XXXX  come through I was confused. Now they are reporting that I Owe them {$840.00} which is false! Im trying to find myself a home & I can not with this on my background. Its not fair to me nor to my child. I have to get this resolved ASAP! I have to be out of here by XXXX.
Product: Consumer Loan

When I looked up my credit report I seen XXXX installment loans. I 've never taken out any loans. Also I 've sent in a complaint to you recently and just seen you we 're trying to contact me. I 'm very sorry and promise to keep very close attention to your reply. I take this very seriously, and I do n't want you to think I do n't value your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$460.00} XXXX/XXXX  XXXX Balance : {$160.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX/XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX/XXXX XXXX Balance : {$160.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper reporting of medical debt. Medical debt is not allowed to be reported it until it is at least 365 days past due. 
The provider of the loan is completely insignificant as to the legal definition of medical debt. 
The company is completely reckless in allowing the customer care agents to assist with XXXX  complaints and the proper reporting of medical debt. 
Medical debt is defined as debt that arose from the receipt of medical services products or devices. Please see attachment.

Due to an illness I was forced to incur debt that arose from the receipt of medical services thus medical debt. Medical debt can not be reported until it is at least 365 days past due.

The company must either prove that the alleged debt did not arise from the receipt of medical services and that it is more than 365 days past due. 
If they can not prove the above then it must be deleted from my credit report immediately. 
I have suffered damage and loss by the alleged medical debt being reported to my credit reporting agency. The problem was made worse by a non qualified agent responding to the medical debt investigation and XXXX  complaint. All she did is change the topic but provided no proof that its not medical debt.
Product: Debt collection

I asked for a validation information letter and was told over the phone that they do not own the debt and dont send out letters. As such.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint aganist Trans Union, previous complaint # 's XXXX and XXXX. Just received a document from them regarding my investigation results. Trans Union is either incompetent or being compensated by XXXX not to allow consumsers to place statements concerning XXXX on their report. I have not requested a investigation into XXXX, I have 3 times once by phone and twice in writing requested a statement be placed on my report, and a report with my statement about XXXX be sent to me. Trans Union refuses to add my statement concerning XXXX on my report and instead continues to due investigation which at this point there have been several done. As a consumer I am entitled to have a statement of up to 100 words on my report, please advise me what other actions I can take against Trans Union other than notifying CFPB because Trans Union apparently doesn't care about my statement or be contacted by CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

address account and names wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX  by XXXX XXXX and 5 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 

not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

As it pertains to the  XXXX  's account on my profile, it contains many inaccuracy that TransUnion has not made a fair attempt to correct.  <P/> I have requested both verification and validation information to be forwarded to me and TransUnion has failed to provide this information.  <P/> Furthermore the CRA has violated several federal laws in regards to debt reporting acts in regards to this account on my profile.  <P/> Included you will find several correspondences in regards to this account and how the CRA has responded.  <P/>   One major fact to consider is 15 U.S.C. 1681s-2 and FCRA 623 ( a ) ( 3 ).
<P/>
If this creditor does not deleted from my profile, I will proceed to a small claims action against TransUnion 's reporting practices.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were accessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I have repeatedly been trying to unfreeze my credit report with Equifax for a time-critical purchase and have been unable to do so either from their web portal or via the telephone. Its been extremely frustrating and unacceptable. From their web portal, when I attempt to access my account, it fails stating the login information is incorrect even though it is. When I call either phone number, which I had to research since they're not listed on their website, I get stuck in an endless holding pattern and after 30 minutes or so, the call drops.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XXXX XXXX, XXXX, XXXX XXXX XXXX Date of Inquiry XXXX XXXX, XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX, XXXX XXXX Date of Inquiry XXXX XXXX, XXXX, XXXX  XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX, XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX.