23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX MI XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX OF XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX
Product: Vehicle loan or lease

Company data and account with loan to paid to lease account to the vehcile account or data. 
Reinstate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Date of service XX/XX/XXXX reflecting on TransUnion consumer report on the amount of {$19000.00} with Date open on XX/XX/XXXX date from delinquency is 10 months past collections after 60 day never received validation of debt or made aware of the account placed in collections once I reached out there text with serval attempts to settle for less than {$4000.00} without cellular phone consent to text me regarding this account once I investigate the allegations I was made aware that account was pif to original creditor and submitted proof of the explanation of benefits in writing to TransUnion to support that account was pif I then received update on XX/XX/XXXX that this account was closed however balance owed still reflecting but with a different amount of {$17000.00} so I proceeded to contact TransUnion to dispute account for balance owed to reflect XXXX on XX/XX/XXXX I then check the status of the dispute and I was informed that that the information was accurate by customer service member named XXXX then inquire about whom the investigation had taken place with I was then transferred and informed by XXXX whom stated on a recorded line that she was the supervisor and that the collections agency which the account was closed in XX/XX/XXXX confirmed the information was accurate which is a violation of the FDCPA I also received a letter from TransUnion stating that there was no credit history report found and to provide further information to sn address that is not listed onu consumer report which is 8n violation of compliance and false information regarding my report and dispute request I have supporting documents to validate everything in this summary of events to be true and I also was informed by XXXX that I will need a subpoena in order to pull all calls in reference to this situation which is violation unable to give any legal advice for assistance. There is also an account that has been PIF and is reporting to my CBR 5 TIMES which I have the EOB from insurance company that this ambulance and hospital bill is in fact PIF
Product: Credit reporting or other personal consumer reports

I am currently in a dispute with XXXX XXXX XXXX, and I have sent a request for Citibank to send all adverse letters, that they maintain under my social security number. Citibank has not provided the adverse letters that has been requested. Attached is the information requesting Citibank to provide all adverse letters they maintain under my social security number.
Product: Credit reporting or other personal consumer reports

I have noticed that the listed account are on my credit report and they are not mine authorized by me and need to be removed from my credit report immediately. Experian keeps udating account on my report without investigating. I am a victim of a data breach and XXXXXXXX XXXX XXXX  XXXX attach where my personal information Account name : XXXXXXXX XXXX XXXXccount # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX This company also fail to remove the inquiries listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Had made multiple purchases through XXXX XXXX from XXXX I had always paid on time and paid more than required and always paid off many months in advance. On XX/XX/XXXX I thought the account was paid in full. On XX/XX/XXXX, there was a balance of {$1.00} that I was unaware of. I was never notified of this till XXXX XXXX  XXXX I started getting calls XXXX times a day from a XXXX XXXX and they were robot calls. I did not have an account with XXXX XXXX, so I kept trying to call back to see what this was all about and kept being hung up on. I paid the dollar and was never given credit for it. It wasn't till XXXX XXXX  XXXX that I was able to speak with someone and they said it was about my XXXX account being past due. When they told me that I owed XXXX and now it had late fees and interest now totaling over XXXX  XXXX dollars, I said I need to speak with a supervisor. Was placed on hold and told I had to pay or else. Then they hung up on me. I tried calling back with constant hang ups. The account finally was reported as a write off at XXXX. Since then, I have been deigned loan of XXXX and my credit cards interest has increased because of this. If you look at my payment history, you will see that my payment history was rates as exceptional. My score was over XXXX. At one time during this my score dropped to low XXXXXXXX XXXX. I always paid my bills and this is so unfair. I tried disputing through Experian and XXXX XXXX  said no. 
The documents that I scan is after I found out it was XXXX and signed into account to see the discrepancy.
Product: Credit reporting or other personal consumer reports

My credit report from Experian shows that I have a XXXX balance credit card opened on 2010, that's not my account and I do not recognize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to CORRECT immediately : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX and Equifax have been willfully noncompliant to my consumer rights by continuing to reinsert deleted accounts to my consumer report that are inaccurate and without any given notice of reinsertion. These charge off accounts and inquiries are not mine. I have already submitted FTC documents and this has already been resolved in the past. I truly believe XXXX and Equifax are tampering with my private information and consumer report at their leisure and without reasonable procedures. I am demanding fair and equitable treatment of my report once and for all. This is truly causing me so much anguish. I have been seeking knowledge into my rights and even considering legal action. 15 U.S. Code 1681i ( a ) ( 5 ) ( b ) states inaccurate information must not be reinserted. It also indicates a notice of any accurate accounts reinserted must be sent to me the consumer. XXXXXXXX XXXX and Equifax 's treatment of my report have been nothing less than negligent willful noncompliance. 15 U.S. Code 1681o. I have been suffering damages as a business professional due to random reinsertions and inaccurate reporting. Please stop this behavior. 

SEE ATTACHED :
Product: Credit card or prepaid card

I applied for a discover balance transfer card a few weeks ago, and their system froze up during the application process and made me do it twice. I did not want to send {$5400.00} to my XXXX card. I only needed {$2700.00}. Yet, Discover charged me twice for the transfer and maxed out my Discover card. They refused to credit me after their phone rep said they would. I believe they are double charging people to get extra money in transfer fees.
Product: Student loan

My husband and I applied for a mortgage loan and had to sign off on the credit report however, on the report from all 3 credit report agencies it shows I have the exact same loan with a different account number open on the report and the same open date, etc meaning 2 active student loan accounts. I contacted my current loan agency and can attach their response ( it wouldnt allow me ) to me but in a nutshell they say I only have 1 active account on their end but they think the last account holder never closed the loan out after they sold it to them. The creation date for both is XX/XX/XXXX the last loan agency handled my loan until XX/XX/XXXX and then it went to my current loan agency. One loan says I owe {$36000.00} and the other {$36000.00}. This is affecting everything I apply for when it comes to credit and its not even my fault. I need help, please. 

I have lots of documentation via email about this.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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: Debt collection

I sent XXXX and LVNV FUNDING a debt validation letter on XX/XX/year> asking for the copy of contract and that they have a consulting fee of XXXX everytime they contact me without what i asked for in debt validation letter. Today XX/XX/year> XXXX contacted me again about paying alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report on XX/XX/2020 notice that an Bankruptcy filing from the U.S. court of Nevada, XXXX XXXX. There were information in regarding the bankruptcy that was reported to the credit bureaus by these data providers who are third party recorder who report information to the three credit bureaus. Which are XXXX XXXX XXXX  I am exercising my rights under the fair credit reporting act, section 609, to request information regarding. As per section 609, I am entitled too see the source of information, which is the original contract that contains my signature from these three data provider core logic, XXXX XXXX, XXXX XXXX. If either of these parties disclose this information to the credit bureaus which is illegal without my consent I am requesting that this item be removed from my credit report within 30 days of this complaint. These data providers are illegal selling consumers information to the three credit bureaus for their company profit.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 was a victim of Fraud someone was using my name and personal information to open up an account in Ohio I have never done any business with the following companies : XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX please remove these account from my credit report and sent me an updated credit report. This is the 2nd time I have filed a complaint on this issue. I would also like the fraudulent addresses removed from my credit file as well. My current and only address is XXXX XXXX XXXX XXXX FL  XXXX, My SSXXXX My DOB is XXXX, please delete/remove any other address from my credit report Never lived at XXXX XXXX XXXX, OH  XXXX XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX TX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX OH  XXXX.
Product: Debt collection

I called the collection company, Audit & Adjusment Co , Inc and tried to arrange a payment plan, or deletion if paid in full. They flat out refused and wanted all mine and my spouses information before they would consider a reduction. They also insisted I owed several hundreds of dollars additional in interest, which I do not owe since this is medical collections, and I never signed interest documents with the original " creditor ''. They also included an additional item not reported by any credit bureaus, second line item on attached letter. I will pay what I owe not a penny more. They are extremely rude, I called in after years of financial struggles, not one call or letter from them and wanted to make things right. I made the call to them. The representative was unhelpful. I don't expect them to be overly nice, but plain ugly and rude is just unnecessary. 


Please help me, they won't respond to any postal letter mail nor emails and I refuse to speak to them since they are so rude and I afraid to get the same representative, as posted by XXXX and XXXX. Thank you
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX : Account Number : XXXX - Balance : {$9900.00} - Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX : Account Number : XXXX - Date Opened XX/XX/XXXX XXXX XXXX : Account Number : XXXX - Balance : $ XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX : Account Number : XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX : Account Number : XXXX - Balance : {$2000.00} - Date Opened XX/XX/XXXX XXXX XXXX  XXXX : Account Number : XXXX - Balance : {$410.00} - Date Opened XX/XX/XXXX XXXX XXXX XXXX : Account Number : XXXX - Balance : {$9.00} - Date Opened XX/XX/XXXX XXXX  XXXX XXXX : Account Number : XXXX -Date opened XXXX XXXX, XXXX XXXX XXXX XXXX : Account Number : XXXX -Date opened XX/XX/XXXX, XXXX Balance {$550.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was opened XXXX XXXX I have no knowledge of this account have filed multiple reports
Product: Money transfer, virtual currency, or money service

I have deposited approx XXXX dollars into my robinhood financial app. I am now unable to login and have submitted 15+ emails to get them to resolve this app issue. The can not be reached via phone, but only by email which they have stopped responding. I have not been able to get the SMS verification and keep getting the runaround from them. I have approx XXXX dollars invested in a crypto currency and have been losing money because I cant get into my account. I have gone thru all the steps necessary but they wont help
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Credit card or prepaid card

On XX/XX/2022, I noticed an unauthorized charge of {$130.00} by XXXX XXXX on my Citizens Bank Credit Card Cash Back+. I immediately called the bank to report the fraud. The credit card was closed and I was issued a new credit card and was told the issue should be resolved within 2 billing cycles ( it has been more than 2 billing cycles with no resolution ). Since then, I have called numerous times for updates on the case and every single time, I have received conflicting information. For example, I have been told someone from the dispute department was going to reach out to me but no one has so far or that they can't find a record of the dispute or the dispute has been resubmitted to escalate it.
Product: Credit reporting

It appears I do not exist in the TransUnion credit reporting system, I do not have a TransUnion score, I do not have a TransUnion report, and I can not access any information from TransUnion via annualcreditreport.com, nor can I access any information from TransUnion itself.
Product: Checking or savings account

On XX/XX/ I called golden 1 CU to request a stopped ach payment to XXXX due to fraudulent loan and customer service stated theyre fees which find with me as long no stopped will be in place for all future transactions and received a letter from golden1 to sign the documents to stop ach payment in which i returned in mail. But to my surprise on XX/XX/23 I received email from golden1 of my account overdrawn. I have an unauthorized ach payment of {$430.00} taken from my account so I called golden1 cu  customer service and spoke to specialist stating that there was no stopped payment done and they can not accept ach stop payment and need to speak with 3rd party regarding this, told her the situation until she suggested to file dispute then called XXXX and my account was closed but I will not get my money back since I need to payback XXXX. Now my account is in negative balance because of this overdrawn. Golden1 representative stated they dont do stopped payment at all.
Product: Student loan

My student loans are currently in Forbearance and I called Navient XX/XX/17 at XXXX XXXX to get a lower payment agreement made because my forbearance ends this month. I spoke to a pleasant young lady and I told her that I am certainty unable to pay {$1200.00} a month for my student loans. 

I told her how much that I knew for sure that I was able to pay and she told me that that the least I could pay was about {$480.00} a month. I told her that I was unable to pay that amount per month and she told me that I could make a payment of any amount, however if they payment is lower than the required amount then it would still be considered past due. She did offer the forbearance option and I declined. I do not want to prolong paying my student loans Excuse me, how are you telling me what I can and can not pay. I am trying to give this company money for a payment, however it is not enough to their liking. I have Grad school loans and undergraduate school loans with Navient and I am willing to pay a certain amount, just not the {$480.00}