23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX I received a settlement letter to settle and payoff a credit account with Barclays if payment is received by XX/XX/2019 from their attorney. The amount was paid in full on XX/XX/2019 as stated in the letter. The letter stated that it would be fully compromised and settled. 
The letter I paid and settled and account with the attorney as agreed. I sent a request to the credit reporting agency to update the file and on 2 occasions they return at report stating that there was a remaining balance of {$540.00}. It was reported XX/XX/2019, XX/XX/2019 and again in XX/XX/2019. 
The legal document states that the account would be fully settled and compromised. Meaning there would not be a balance owed. Submitted the request to the credit reporting agency has resulted in no change and basically a repeated inaccurate report resent. Reports are supposed to be accurate and I have continued to receive an inaccurate credit report.
Product: Debt collection

I wrote to XXXX XXXX to get verification of account i have no knowledge of but XXXX XXXX said it was accurate and updated. I have not opened an account of any sort on XX/XX/2022 so i know this information is incorrect. My address is now with this company because XXXX XXXX has you to put it in for your dispute. I have never opened any account or have any knowledge who CBE is to do business with. My report states that they are the original who I started this account with but I have not. XXXX XXXX would not show me the original copies I asked them to produce on XXXX XXXX but XXXX XXXX did say it was accurate, how and I didnt do business with anyone on this date. I like this removed from my credit report it is causing me harm and injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit card company is reporting inaccurate. my credit card is paid per obligation of the united states. XXXX XXXX XXXX payments of obligations and interest on the public debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am having a major issue with TransUnion LLC Consumer Disclosure Center XXXX XXXX XXXX XXXX, PA XXXX. 
I have send 3 letters within the past 100 days asking and begging for TransUnion to do a REAL investigation on behalf of my dispute with inaccurate information they are publishing about me on my consumer report but they seem to not care at all that they are publishing incorrect and inaccurate information on my credit report which has lead to me being denied for housing loans, credit cards and jobs. TransUnion has basically been ruining my my life without remorse or care as they ( DO NOT ) do a REAL investigation when a consumer asks they just rely e-Oscar to verify critical information about a consumers profile and then publish it knowing its a Very High potential that the information is false or inaccurate but since this is how they get paid they could care less about how false statements and inaccuracies affect a real live consumer who has a family to take care of. 
I have repeatedly called written letters asking for TransUnion to do and investigation into 4 unauthorized inquiries I have list on my credit report listed below and send me there findings and DELETE ALL unverified information and after 100 days I HAVE NOT receive a response. Which sickens me very much that a consumer reporting company would even respond to a ( PAYING ) consumers complaint XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Furthermore to add consumer insult to injury I call TransUnion and spoke with a rep on the phone inquiring about these bankruptcies as to whom reported this and the reps reply was the US bankruptcy court system in my state, so I asked the rep did they furnish you with that info and the rep stated YES. I was curious about this so I wrote a letter to the bankruptcy court in my state asking for procedures on how they furnish bankruptcies to TransUnion, to my surprise the clerk mailed me a letter back stating the DO NOT FURNISH any credit bureau with bankruptcy information and NEVER have. So I was highly upset when I found out that the rep I spoke with LIED so I have sent several letters over the past 100 days asking TransUnion to DELETE these unverified bankruptcies and they refuse and the refuse to provide me with the furnisher of this information other than the US bankruptcy court so may check whomever is putting false misleading inaccurate and incorrect info on my consumer report. But they continue to tell me its been verified and clearly in the letter from the court it states they DO NOT send bankruptcy information to TransUnion or ANY credit bureaus. 
TransUnion seems to be concerned only with making money and they care less about reporting accurately and timely on a consumers behalf. listed below is unverified information on my consumer report that needs to be DELETED ASAP XXXXXXXX XXXXXXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy XX/XX/XXXX XXXX XXXX  Bankruptcy XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive just obtained a copy of my credit report and noticed the following errors. I have NO knowledge of these accounts. 

XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX. Acct # XXXX ACCORDING to US Code 1320d-9 note, this is a HIPAA VIOLATION ! No medical information shall be distributed for permissible purposes for the consumer without consent. I do NOT consent. Any person obtaining a consumer report, under 15 US Code 1681N ( A ) ( 1 ) ( A ), under false pretenses or without permissible purposes for actual damages, shall be held liable for actual damages, Kindly, DELETE the collection accounts above mentioned as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Consumer Financial   XXXX   XXXX ,  LLC is reporti ng incorrect information showing the wrong date when the payment should be paid. The payment is due the   XX/XX/XXXX of each  month. You have 10 days before a late charge. Sending late payment before 30 days has past. Sending to the credit bureau showing payment not received. The {$110.00} was paid to cove r the  XXXX 17 payme nt because I mailed the payment and was lost in the mail. So, I paid the {$110.00} to take care of the one got lost in the mail and not paid  one payment. The manager said that he would take care of it but did not. Credit Bureau shows that payment was late 30 days on two occas ions in which it was not. I have not missed a payment because the  manager told m e to pay the {$110.00}. If you do n't pay the date that the payment is due, they put you down for 30 days as for   XXXX   2017 and   XXXX  2017 not  date due which is the    XX/XX/XXXX    of each month. Payment is shown as the month and the year not the date due. The payment is not showing that the payment was due the  XX/XX/XXXX  of each month and pai d  XX/XX/XXXX  p ayment on   XXXX 17. The payment was due on   XXXX  17 and 10 days before a payment is due but reported.   XXXX   is   showing Historical Account information that is incorrect. This company is trying to hurt my credit by not reporting it 30 days past due but when you do n't pay on the due date but sending to the Credit Bureau. I am paying more than what is due at tim es. See atta ched
Product: Credit reporting or other personal consumer reports

I am writing to report several inaccuracies on my credit report from EXPERIAN.COM -Report # XXXX FOR XXXX XXXX and request assistance in correcting them. The issues are as follows : 1.Incorrect Address : My credit report lists an incorrect address, [ XXXX XXXX XXXX XXXX XXXX XXXX, TN,XXXX ]. This address does not belong to me. I only use a mailing address, which is [ XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ]. I do not have a residential address in the XXXX. 

XXXX. Additional Address : There is an additional address, [ XXXX XXXX XXXX XXXX XXXX XXXX, TN,XXXX ], on my credit report that I have never used or lived at. 

XXXX. Incorrect Social Security Number ( SSN ) : My credit report incorrectly shows that I have an SSN. I do not have an SSN ; I only have an Individual Taxpayer Identification Number ( XXXX ). This misreporting is a significant error. 

These errors have caused confusion and potential issues with my credit history. I have made several attempts to resolve these inaccuracies : Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Trans Union, XXXX and XXXX  credit report are all fraudulent credit inquiries and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, Way Mc, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX  XXXX, XX/XX/XXXX
Product: Student loan

After changing jobs in XXXX XXXX, I took a considerable paycut ( former yearly salary of XXXX and current yearly salary XXXX ). I attempted to decrease my monthly payment, as I was already enrolled in an income driven repayment plan. Navient told me there was nothing I could do to change my plan until my taxes were completed in XXXX. I paid XXXX extra a month from XXXX until XXXX. Once i got my taxes done, Navient repeatedly gave me the run around with which form to use and the timing of the form. Everytime i called a rep would tell me i filled out the wrong form, and to try this form, only to call back and have them have me fill out forms i had already completed and sumbitted. After I had filled out ( and had my husband cosign ) pretty much every income driven form on the website, they started telling me the timing of the form submission was wrong. The result was me paying XXXX extra a month for a total of 8 months in XXXX, in addition to all the extra paid in XXXX and XXXX. My submissions for a new plan started in XXXX, my new income was not reflected until my XXXX statment. I thus was forced to pay extra on an income driven repayment plan from XXXX XXXX until XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The following accounts below has violated my rights : XXXX : Account Number. # XXXX XXXX XXXX XXXX  XXXX : Account Number # XXXX XXXX : Account Number # XXXX XXXX XXXX XXXX  : Account Number # XXXX XXXX  : Account Number # XXXX XXXX XXXX XXXX : Account Number # XXXX XXXX XXXX : Account Number # XXXX 15 USC 1681 section 602 A States I have the rights to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 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 7 years.

15 USC 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: Debt collection

XX/XX/2023 noticed I was taken to collections for a XXXX payment I was not aware of never opened anything for XXXX personally or willingly. 

XXXX is owed and in collections impacting my credit heavy.
Product: Debt collection

I have asked IC System Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Debt collection

Received a statement from XXXX XXXX XXXX regarding a legitimate debt for XXXX services on XXXX/XXXX/XXXX. This will be paid in full before XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX at XXXX they called. This is outside of the time frame allowed.
Product: Debt collection

I was a Pro Se litigant and have discovered fraud for the last 8 years on this property. 

This is an unexpected fraudulent 2nd lien assignment from XXXX XXXX XXXX XXXX XXXX, as Trustee for the servicer Bank of America NA under representation XXXX XXXX that I am currently addressing via FTC, Federal Reserve Board. 

For information purposes ; 1.MERS, Bank of America ( BOA ), and XXXX ( Servicer ) have executed an unverifiable assignment on my property and the notary allowed XXXX XXXX to represent Bank of America and MERS on the transaction. 

2. XXXX XXXX XXXX assigned its interest to BOA on XX/XX/XXXX 3. BOA assumed the assignment XXXX ( Loan was paid thru XXXX, XXXX closed XXXX, BOA & XXXX have no history of payments etc. 

4. ( Fraud ) MERS reassigned BOA thru erecording on XX/XX/XXXX ( no book #, no page #, and original mortgage payments never applied to a reduced amount. ) 5. These companies have " no standing '' to enforce a lien and must be removed. 

6. PA statue of limitations due apply, if this assignment have any merit. 

I am specifically requesting XXXX XXXX XXXX XXXX XXXX to furnish the following before XX/XX/XXXX : The Trust SEC name ( for verification that the Note & Mortgage was timely deposited into the Trust ). Please Note : The PSA Cut-Off Date was XX/XX/XXXX. 
Pooling and Servicing Agreement / Prospectus ( expiration purposes ) Bill of Sale ( ExXXXX XXXX XXXX documented assignment to MERS to XXXX  ) Chain of Title and its indorsements Authentic Promissory Note Detailed Explanation of the gap between recording XXXX, XXXX and XXXX and XXXX ( see attachments ) Please advise why XXXX never enforced this debt thru foreclosure proceedings and or my credit report under the FDCPA section 807 ( 8 ). 
Please furnish the history of this debt, payments made etc., exact month, day and year of servicing authorization thru chain of delivery and acceptance receipts. 

I have not received a response, however, XXXX XXXX with Bank of America stated via CFPB Portal they need more time to address my concerns.
Product: Debt collection

I pulled a copy of my credit file two months ago and see an AMEX reporting that is unknown to me. I requested validation via the mail and never received anything back. I have no records of this account and do not owe them anything. Please help
Product: Debt collection

when I called to pay the amount of XXXX due today XXXX18 as documented they refuse and said the payment was now XXXX dollars more. they refused to take my payment so I contacted to the hospital where the bill was from XXXX who did take the original amount of XXXX paid in full to them not the collection agency who refused to take the amount that the sent out to a letter to me on. I do have documentation o this and recorded phone calls to back my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION. am requesting the disputed accounts be removed.
Product: Credit card

On XXXX XXXX, XXXX, I mailed the following to Fraud Claims Department, AT & T Universal Card, XXXX XXXX, XXXX XXXX, SD XXXX. As of today I have never received an acknowledgement or a response to my letter and claim. 
I was instructed by Customer Service to mail in the details of the charges that I am disputing as fraud. Please find enclosed a list of all charges that I am disputing. I have never conducted business with XXXX XXXX XXXX XXXX. I live in XXXX, OK. This charge took place more than two hours from where I live in XXXX, OK. 
I did not initially identify this transaction as fraud because I am XXXX. I, therefore, require assistance. Unfortunately, I only did a cursory review of my statements and obviously not a detailed and thorough analysis because of the medical conditions that I was experiencing at the time. 
I was unaware of the extent of the fraudulent charges especially since I was using the card at the same time and my primary method of reviewing the statements was by phone and not all of the relevant information was available to me, such as the city where the charges were made. Furthermore, my bill was due and I wanted to avoid late charges and extra interest and to maintain the good standing of my account. 
I am certain this transaction is fraudulent. I had to provide an agency with the last twelve months of statements. The agency was only concerned with charges relevant to them. As I was omitting non-relevant charges I discovered a fraudulent charge in XXXX, XXXX, on a different credit card from a company I had never heard of. This prompted me to examine all of my past records/statements for all my credit cards. With assistance and hours of close examination of all my statements I discovered charges for XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX ( charges to a utility company that I had never had an account with, done business with, nor resided in that city ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE