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

How can Equifax say this " We have received your request. However, we are unable to locate a credit file for you for one of the following reasons : You have not applied for credit recently You have not actively used your credit in the last ten years, or You have not lived in the United States or have not been issued a United States Social Security number '' I have a credit score for Equifax! There are fraudulent items and inquiries reporting on Equifax! They should remove them immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my dispute letters to TransUnion over 30 days ago. This credit reporting agency has failed to respond which is a violation of the fair debt collection practices act. I also did not give this company my written consent to furnish these negative accounts on my credit profile. This a violation and I am entitled to {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX in XXXX XXXX Made me an unsecured loan for XXXX and it was paid in full early. There were some late payments due to a divorce, but the loan was paid in full. XXXX is the only reporting agency that is still reporting this account and the company will not stop reporting it to them. This is the biggest problem I have with my credit. This account was paid in full XX/XX/2020 and should be removed from my credit report. This company has been asked many times, even by a credit repair company I hired to just drop it and remove the account to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently gottten my credit run and pulled by XXXX XXXXk and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what XXXX  XXXX XXXX  & BECU BANK had REPORTED to XXXX and to the credit companys. 

As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with XXXX XXXX XXXX or BECU I have been with XXXX XXXX since XX/XX/2004 and my home mortgage is also through them and I continued to stay with them. 

I had contacted XXXX  XXXX XXXX Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at XXXX XXXX in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. 

I also went into BECU and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. 

I am XXXX XXXX XXXX Employee ( XXXX ) for XXXX as a XXXX  XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need XXXX  XXXX XXXX and also BECU to please remove me off their XXXX and also notify XXXX that this is an error on their end.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX Holdings, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX  XXXX XXXX and addresses and inquires. This has cause me great anxiety, stress, and financial hardship.
Product: Debt collection

Alpine Credit Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection is taking me to court case # XXXX on XX/XX/XXXX for medical debt that I have no knowledge of for {$900.00}. The original bill that they claim was for {$600.00} for XXXX XX/XX/XXXX. I certified mail to Alpine that I want to see proof for the medical claim with my signature, what am I being charged for and the XXXX. I have not gotten any response back from them. I demand this medical claim to be taken off my credit, because Alpine did not reply or show me proof.
Product: Credit card or prepaid card

A mediator from a legal complaint department ph # XXXX states my husband opened an account with HSDC for a {$500.00} limit Platinum Mastercard in XX/XX/XXXX and made payments up until XXXX of XXXX. She stated notuces were sent to our address that we never received. My husband has never owned a Platinum Mastercard. She had his name, job description, address, and social security number and claims we are being sued.
Product: Mortgage

XX/XX/2023 I contacted Carrington Mortgage to make a payment due to not being able to send in by mail since Im overseas. I spoke to a supervisor XXXX that was very kind and advise after accepting my payment ( over the phone since my checking account is in the system ) that I would be able to make my payment via online or calling if needed. I attempted to make a payment of XXXX to my account XX/XX/2023 at XXXX and spoke with XXXX teller ID # XXXX that refuse to take a payment from me over the phone. My account has been flagged and sent over to the credit bureau once again flagging my clearance. 
XXXX XXXX did the exact same thing while under an active COVID for essence and still transferred my account to Carrington. Something needs to be done this is unacceptable and making it very challenging for members to make payments.
Product: Debt collection

1. I am a Texas resident. I terminated my apartment lease with XXXX XXXX on XX/XX/XXXX due to XXXX XXXX. I was and am protected under Texas Property Code Section 92.016, which allows victims of documented and reported XXXX   XXXX to vacate the property or terminate a lease early and avoid liability. I provided the property with copies of a XXXX XXXX in which I am the XXXX XXXX, as well as the police report number for the incident. 
2. Hunter-Warfield, a debt collector, called me on or about XX/XX/XXXX and notified me I owed XXXX XXXX {$3100.00} and this debt would be reported to the credit bureaus on XX/XX/XXXX if the debt was not paid in full before then. I immediately explained to the individual on the phone that I dispute the debt and explained the situation which caused me to move out. The debt collector/representative was rude, spoke over me and hung up on me. I called back and spoke to a supervisor and again stated I dispute the debt and wanted the debt validated with XXXX XXXX. I immediately contacted the property manager at XXXX XXXX to attempt to settle the matter and was unsuccessful. The property manager, XXXX XXXX stated the debt has been sold to Hunter-Warfield. 
3. Hunter-Warfield e-mailed me a statement on XX/XX/XXXX with an e-mail stating the debt was validated and I owed {$3100.00}. I called Hunter-Warfield again and explained the alleged debt was pending litigation, that I disputed the debt and to please delay credit reporting pending a court hearing. The representative, again, was very rude and not willing to work with me in any way. 
4. On XX/XX/XXXX, I sent a certified letter via USPS ( tracking # : XXXX ) to Hunter-Warfield stating I officially disputed the debt and to cease collection activity until the debt was legally validated and litigated ; additionally, I included evidence proving the alleged debt wasn't valid. Finally, I stated that the case was pending mediation in local court and included the case number. The package was delivered/received on XX/XX/XXXX at XXXX per USPS Certified Mail Tracking. 
5. On XX/XX/XXXX, I received an e-mail from Hunter-Warfield offering me a settlement for {$2200.00}, to be paid within 30 days, despite my request to cease collection activity pending validation and litigation of the debt. 
6. I have hired an attorney who is actively litigating the alleged debt with the original creditor XXXX XXXX XXXX XXXX. 
7. I believe my rights under the FDCPA are being violated by Hunter-Warfield due to 1. Their refusal to validate the debt despite written request and evidence, 2. Their continued collection attempts despite an official dispute of the alleged debt and 3. Their threats to report this alleged debt, which is pending litigation, to my credit report, which would significantly impair my ability to move to a new property in the future due to the appearance of owing a rental property a large sum of money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX has the following information incorrect on my XXXX and equifax report XXXX Last Reported : ( Dates do not match ) Date Last Active : ( Dates do not match ) Date of Last Payment : ( Dates do not match )
Product: Credit reporting or other personal consumer reports

XXXX XXXX that generates a score from TransUnion, continually gives me a low XXXX XXXX. Claiming to XXXX the score on data from Transunion. But ounce again, where is it coming from? 
The score they give me is XXXX. Which is confusing, when they say my payment history is exceptional. But then they say I have a missed a payment. But that missed payment is XXXX old, and shouldnt even be put on the report or be considered. 
Now there saying my debt is too high, but it also says I havent reached to {$13000.00} mark. So based on a little debt, which is not much at all, I have a super low score? I have asked corporate of XXXX XXXX many times, how are you generating their score, because if its based on an accurate report, how is my score so low? XXXX Credit bureau XXXX raised my credit score by XXXX points. But TransUnion has done nothing. And only removed a car history report that I did not ask to be removed, and had no issues. The rating from XXXX XXXX seems intentional, especially when they havent been able to give me an accurate explanation. So far they have sent me info on how the credit score works, but there not explaining to me how a XXXX score is generated when my payment history is Exceptional. 
Also, it says that I should have a mortgage payment, and because I havent bought a home, that I have a low score. 
Is this a joke??? Something smells fishy and either XXXX XXXX through TransUnion is being discriminatory or negligent. This XXXX issue is not allowing me to move forward on getting a small personal loan, that I am more than qualified to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Transunion, regarding their misleading reporting of the following accounts on my credit report : 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 
Their reporting is inaccurate and negatively impacting my credit standing, in violation of the Fair Credit Reporting Act ( FCRA ). And although I have previously sent in a complaint, instead of investigating these matters they continue to furnish inaccurate data. 
According to the Internal Revenue Service ( IRS ), a charged-off debt is considered taxable income. However, Transunion has reported accounts as a " loss, '' which is often seen as an indication that income was received from the charged-off debt. This is very misleading because I do not understand the nuances of the credit reporting system. 
The FCRA requires that credit reporting agencies furnish consumers with accurate and complete information in their credit reports. The reporting of these accounts as a " loss '' by the Transunion is not only misleading, but it is also in violation of this requirement of the FCRA.
Product: Credit reporting or other personal consumer reports

I paid my bill XX/XX/XXXX, XXXX did not have to be paid until the XXXX and the credit bureau still reported it as late even though it was paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX in reference to late payments displaying on my credit report. My account was in forbearance during the time the of the " late payments ''. XXXX XXXX XXXX reported to me there would be nothing they could do to change my credit reporting and that I would only be able to have the late payments removed by contacting the credit bureau. Upon contacting Equifax on XXXX XXXX,2017 I  explained to Equifax and provided the letter of forbearance asking that the late payments be removed from my credit report. Equifax refused to remove the late payments. I am desperately attempting to clean up my credit report and since the accounts were in forbearance at this time, the could n't possibly late payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information XXXX XXXX XXXX this account is listed as XXXX XXXX # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ( Banking ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On XXXX this account is listed as XXXX XXXX XXXX XXXXriginal creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. 


As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & XXXX CFR XXXX - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, l noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 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 XXXXXXXX I did not authorize anyone employed from this companies to make inquiries and view my credit report. In addition, l did not give you ( credit reporting agency ) permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity but it's a serious breach of my privacy right.

Please validate this information with these companies and provide me with the copies of any document associated with these accounts bearing my signature, authorized an inquiries.

In the absence of any such documentation bearing my signature, l formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the XXXX XXXX XXXX ( FTC ) and filed fraud/identity theft reports with them along with contacted my local XXXX field agenct office in XXXX XXXX to report these accounts.
Product: Vehicle loan or lease

I think they've been overcharging me on the gap insurance on the operation of the vehicle the thing that shuts down the vehicle they done it so many times to the vehicle stopped working they're out of business and sold the contract to another company the name of the company is us Auto loans or US Auto sales from my understanding there's a lawsuit already out what about this company so I'm just doing the follow-up it's so many things that have illegally done the main thing I think is the overcharging of fees
Product: Credit reporting or other personal consumer reports

TRANS UNION IS IN VIOLATION OF BREAKING THE LAW, CONSUMER LAW AND RIGHTS, A SERIOUS BREACH OF TRUST. TRANS UNION YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO TRANSUNION ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL XXXX BUREAUS ( TRANS UNION, XXXX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. REMOVE ANY PERSONAL INFORMATION THAT YOU DID NOT GET PERMISSION FROM ME OFF OF MY CREDIT REPORT AGAIN YOU HAVE VIOLATED 18 USC 1028 A AGGRAVATED IDENTITY THEFT. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND1DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Debt collection

According to the fair reporting act, Section 609 ( a ) ( 1 ) ( A ), they were required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post o a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ). that you have a file for the account.

and according to Law FRCA section 605B, it is illegal to report information on my credit report without my permission.
Product: Debt collection

On Monday, XXXX XXXX, I received a call from XXXX XXXX requesting a return call at XXXX in regards to a debt. The message stated that documents would be filed within 48 hours if no response was received. I called back and spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX and was told that the name of their company is Nationwide Intermediary Services. They stated that the reason for the call was because they had received a debt to mediate from XXXX XXXX XXXX and they provided me with the case number, original debtor and value of the debt. 

At this time, I asked them what my options were to repay the debt and they said that I could make arrangements but it could only be done with my debit card, checking account, or prepaid card. At that point, I set up an arrangement with them but let them know that I would need something in writing with their companies name, address and confirmation that these payments would be applied to the debt that they stated. They said they would prefer to email me the letter but I explained to them that email is not valid and requested a hard copy be mailed to my address and confirmed the physical address for them. They agreed and let me know that it would take XXXX days to receive the paperwork. 

At this point ( six business days later XXXX, I have not seen anything in the mail, nor have I received any additional phone calls from them. I can not confirm whether this company is authorized to collect on this debt, or if I am being scammed. My first payment is scheduled for XXXX/XXXX/15 but I will not be loading my prepaid card with funds until they send me valid documentation for my records. 

I have been the victim of these scams before so I will not be sending any funds to this company without receiving the requested mailing with account resolution information included.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX made a hard inquiry to the 3 credit agencies and Equifax 's score based on FICO Classic V5 Facta indicated a " Key  Factors effecting score '' to include " Level of Delinquency on Accounts '' and " Number of Accounts with Delinquency, '' however, when I reviewed my Equifax credit report, generated XX/XX/2020 with an Equifax agent, we agreed that there was nor have there been any delinquencies. Equifax indicated there is nothing they can correct if there is not a specific item I am disputing, so they have taken no action. I spoke with XXXX XXXX this morning, XX/XX/2020 and they confirmed this information is provided by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$390.00}