23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I wrote to Trans Union XXXX 2016 ; to remove XXXX ( XXXX ) adverse accounts from my report. I received an update today. Estimated removal for : 1. ) XXXX XXXX Account # : XXXX is : XXXX ; this account should be removed this month ; XXXX XXXX, 2016 ; the 7 years is now. I do n't understand how or why they can continue to keep this on my report. 

Also for 2. ) DSNB/Macys Account # : XXXX ; estimated removal is : XXXX ; this is not correct ; the 7 years is now ; XXXX XXXX, 2016. I do n't understand how or why they can continue to keep this on my report. 

Both XXXX and XXXX removed these account on the anniversary dates. Please help me remove.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ) you are required by federal law to verify -through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. I demand to see verifiable proof ( an original XXXX XXXX with my Signature on it ) you have on file of the records listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. i demand the following accounts be verified or removed immediately XXXX. 15 usc 1681b ( a ) ( XXXX ) permissible purpose of consumer reports XXXX XXXX XXXX XXXX XXXX  Please delete immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. Thank you for your time and help in this matter.
Product: Debt collection

After examining a recent credit report, several accounts appear to have been added without consent and seem inaccurate. A request is made to have these fraudulent accounts blocked and removed promptly.
Product: Debt collection

In XXXX my Primary Physician 's office, of which I've been a patient for over XXXX years, XXXX XXXX XXXX, incorrectly charged my expired insurance for a doctor 's visit I paid for upfront ( with debit/cash. ) In other words, even though I paid for the visit at the Front Desk, before seeing the doctor, {$120.00} with my debit card ( because I no longer had insurance ) the person I SCHEDULED the appointment with over the phone had automatically clicked on my OLD insurance, so the bill came back unpaid, as I no longer had this insurance. When I got a a bill in the mail a few months later, took it with me to my next doctor 's visit. 

When I called to schedule this visit, the receptionist told me that I had an outstanding balance and that I would need to pay it before the appointment when I got there. I explained that I had paid upfront, and that the bill I got was because they 'double charged ' me by charging an old insurance I no longer had ( for several years. ) She looked it up in the system and saw my upfront payment of {$120.00} made with my debit card for that visit. She apologized, took the incorrect charge off, and I continued my doctor 's appointments, paying up front each time. 

However, in XX/XX/XXXX, I got a call from and a letter from TSC ACCOUNTS RECEIVABLE. I spoke with them over the phone, told them to contact XXXX XXXX, XXXX XXXX XXXX, so they could explain that they had made a mistake. They said that they would look into it. Several more times throughout XXXX, I got letters and calls. It is in my credit report. 

I have disputed this with XXXX and XXXX 5 times in the last XXXX XXXX years. Each time, the dispute results come in as " it comes back as, " XXXX investigated your dispute but the information was verified as accurate. '' or " XXXX investigated your dispute but the information was verified as accurate. '' Each time I get a notification or a call from TSC about this debt collection, I contact XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, at which I am STILL a patient, to tell them the TSC is STILL stating I owe. And each time, XXXX XXXX XXXX assures me that there is NO RECORD of my account or a payment being in collections. XXXX XXXX XXXX says they will explain this to TSC, if they contact them, but that they show nothing about me owing anything outstanding or being in collections.

Therefore, TSC Accounts Receivable is NOT doing their part to look into it and my credit report is suffering BADLY. If XXXX XXXX XXXX is being dishonest or not taking the time to speak with them, that is equally bad. But I doubt this is the case, since you can NOT have a doctor 's visit there with an unpaid balance, and I visit this doctor XXXX times a year, for XXXX XXXX XXXX XXXX XXXX XXXX 

Please help me. TSC ACCOUNTS RECEIVABLE and this charge have been on my credit report for XXXX and XXXX XXXXXXXX years, my credit score is affected as this is over {$350.00}. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX  #XXXX  is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt
Product: Credit reporting or other personal consumer reports

I received alerts on my credit monitoring system and noticed a plethora of inquiries that I do not recognize and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately. DEPT OF ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXX
Product: Debt collection

LVNV Funding/Resurgent XXXX XXXX XXXX XXXX, SC XXXX Resurgent XXXX XXXX XXXX XXXX, MI XXXX LVNV Funding/ Resurgent Account Number : XXXX These are apparently the same company. They both filed two times on my credit report claiming I own " care. '' {$960.00} This action originally occurred in XX/XX/XXXX. They placed it with " collections ' on my credit report. They never complied with the law and validated any information and alleged debt with me. I continued to try and make contact with them via phone and via mail, with negative results. They will not communicate with me. In XX/XX/XXXX They placed this on my credit AGAIN via collections without my knowledge. They stated this account was opened in XXXX of XXXX. This is Clearly Not True. I have not opened any accounts for years. I am continuing tryin to make contact with both these " companies '' but fail every time. They will not communicate with me. When I asked them for validation, they never replied. They just took it upon themselves and placed it for collections on my credit report. This has been so frustrating to me. I have had all credit bureaus make contact with them and they claim these companies allegations were true. They are not. How can I fix this. They are making my credit report terrible and I do not owe what they are saying on my report. They are falsely claiming I opened this account in XX/XX/XXXX when originally they claim I opened this account XXXX. I need some help please. Thank you They are clearly scams to get money from me.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX C.U Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX C.U Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX, TRANSUNION LLC Inquiry Date : XX/XX/XXXX & TRANSUNION LLC Inquiry Date : XX/XX/XXXX
Product: Credit reporting 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$3800.00}
Product: Credit reporting or other personal consumer reports

My identity was compromised and I have taken measure to ensure this doesn't happened again. Someone made several attempts to secure loans or other forms of credit in my name. Pleas remove the Inquires that are listed. I have tried reaching out to the creditors in question. They all respond with the same responses, challenges my initial companion. 
Equi

fax- 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: Credit reporting or other personal consumer reports

I submitted a request in the company responded which closed out the case it is unfair to me as to the information on the contract has my name first and last with a different Social Security number attached to file this is unfair to me and Ive asked that you guys request this information within 30 days which happened Im asking that this information be moved from any credit bureaus as this does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$290.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted a dispute to Transunion in regards to an axcount on my credit report that is not mine. The investigation took less than 24 hours and i was notified they found the infornation to be corrext. Please tell me how in less than 24 Hours you found this infornation to ve true just how did you come to that conclusion? I reported that a woman named XXXX XXXX has been using my identity. Nothing can connext me to that account. I want ifixed and for Transunuon to do thier jobs coreecrly.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXXm using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Product: Student loan

I have been on hold for almost XXXX hours with Mohela, trying to get my loan payments figured out since their estimated monthly payment is too high. I have not spoken to an actual person in those XXXX hours.
Product: Debt collection

Received a bill from Mitchell D. Bluhm & Associates LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX saying that I have a balance {$980.00} from XXXX XXXX XXXX to pay {$580.00} ( 40 % ) and I need it to call them before XX/XX/2020 be in legal compliance. This balance is already showing on my Credit report. I call the company at XXXX on XX/XX/2020. I told the rep that I was willing to pay {$100.00} just to get it off my credit. The rep mistreated me. Told me that had to pay the full amount. I requested then documents to show me that it was actually my debt. The rep then hang up the call. I call again and then I was transfer to a Supervisor and she was more aggressive and demanded that I pay and they will keep it on my credit. If I did a payment plan they will keep it on my credit until I pay the full amount. Still refuse to give me any proof that the debt is mine. I told the rep that date on the bill is around when Hurricane Irma hit Florida. I was displaced for 20 days from my home. Again hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Nissan Lease account From XXXX until XXXX. The account has been closed but still reporting as open. Last week I called to make the payment that I owe them. Spoke with a woman named XXXX on the recorded line. She explained that the debt is old, it should no longer report to my credit, and they are no longer pursuing me. I called to pay it off in good faith. It now is being reported as a negative account when it shouldnt even be on my reports anymore. Its an account thats been settled in good faith. Its 8 years old. Ive tried to dispute it but can not. This has dropped my credit from XXXX to XXXX. Harming me terribly. Please let me know what can be done here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent account and inquirie listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Product: Money transfer, virtual currency, or money service

I am writing to share my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit that highlights major shortcomings with the platform. Despite regularly using Zelle and reporting issues, neither my financial institution nor Zelle thoroughly investigated my claims. I was told that recovering my lost funds was not possible and that tracking the transactions could not be done. The CFPBs findings reveal that Zelle has failed to provide adequate protection for users and has allowed repeat offenders to take advantage of the system, leaving consumers exposed to scams. This lack of accountability and transparency is alarming and raises serious concerns about the platforms dedication to consumer safety.
Product: Debt collection

I received an email on XX/XX/2022 from XXXX stating I owed a debt to sprint. I responded back right away asking for details of the debt as what they provided did not have the details of what was being asked and was not getting an email response back. then I started receiving calls and I again asked for details of what was owed as I did not recognize what was being asked to pay. i was referred back to the email and told the debt collector there was not details in the email and I needed details in order to pay. I called over and over and kept getting put to a recorded line and no one called me back. then my account was put in collections and it has caused negative issues to me. my credit score has dropped and I am getting rejected for loans and credit line increases. I need this resolved asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Wells Fargo several times regarding this fraudulent account that I didn't open. My identity was stolen and this account was opened as result of me being a victim of ID THEFT. I contacted Wells Fargo numerous times and provided Police Reports and other documentation supporting that I've never opened any account with them and that this was a result of my Identity being compromised. I wasn't even in the country during the alleged time this account was open and this information used to open the account doesn't match my Drivers License number or address, phone numbers or email. Wells Fargo continues to ignore the matter and this complaint has fell on deaf ears. If resolution isn't resolved then I will begin to take legal action against Wells Fargo and Credit Bureaus for reporting erroneous fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Fraud and I sent in a police report as my proof my identity was stolen there has been different names address and emails and my information has been sold by the 3 credit agencies when I also opt out, I have submitted numerous disputes to remove and investigate this bt nothing has been done, I have rights under the FTC law to fight against this and experian, XXXX and XXXX are aware. from the beginning of XXXX  there has been inaccurate reporting, not updated reported information, and discrepencies, harassing calls, from XXXX XXXX, XXXX XXXX, medical billing companies when I have medical insurance. XXXX XXXX and I am up to date but they put me as late and I have credit protection as well to bring me up to date. My credit score has been affected by this and this has caused tremendous hardship. Experian has also allowed someone to have a tradeline on my new established XXXX  I have not even established credit history and there are tradelines already please help me to find a solution.
Product: Credit reporting or other personal consumer reports

Over a number of weeks, the TransUnion website has redirect the fraud alert page to a temporary error page. This page is obviously not temporary. 

I've tried to work through this both via chat and over the phone but i can never actually submit my fraud alert.

I have now received two letters in the mail stating that the credit card application was declined- which I never submitted. 

Both of these are going through transunion but i have no way to stop the thief or to place a fraud alert on my file with them.
Product: Credit reporting or other personal consumer reports

Called today, XX/XX/year>, and Rep # XXXX and Rep # XXXX refused to provide me with a 1099C or the correct EIN for tax reporting.

The account is showing as " charged off '' on the credit
bureaus which means a write off to XXXX and reportable income to me. They have not provided me with a 1099C showing the account was actually charged off. Therefore, there is incorrect reporting to the credit bureaus.

The application was a collateral security in the amount of {$5100.00}. They brought the application to the Fed window and got paid. Each and every month they sold the statements as securities and got paid from the sale of them plus they got paid by collecting monthly money from me.

They closed my account without my consent.

They are in possession of contraband - ie my securities.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Debt Claim XXXX XXXX To Whom It May Concern : I am writing to formally dispute the validity of the debt referenced in your collection notice ( Claim No. XXXX ) for {$230.00}, allegedly owed to ADP LLC. I also dispute the legitimacy of the charges and XXXX XXXX XXXX XXXX to collect this debt due to the following issues : Breach of Contract & Unauthorized Sharing of Information ADP LLC violated our contractual agreement by unlawfully sharing my personal/business information with your agency without my consent. This action may constitute a breach of privacy under applicable laws ( e.g., state consumer protection statutes or the Gramm-Leach-Bliley Act if financial data was shared ).

Failure to Honor Promotional Terms ADP LLC explicitly promised XXXX free months of service as part of a promotion, which they never applied. The invoices listed ( e.g., XXXX, XXXX, etc. ) appear to include charges that should have been waived under this promotion. I request copies of the signed contract, promotional terms, and proof that ADP fulfilled their obligation to apply the 4 free months. 

Inaccurate or Fraudulent Invoices The invoices listed are dated in XXXX XXXX XXXX XXXX XXXXXX/XX/year> ), which is a future date. This discrepancy raises serious concerns about the validity of the debt. 

Unlawful Collection Fees The {$21.00XXXX XXXX XXXX is unjustified. Under the Fair Debt Collection Practices Act ( FDCPA ), collection fees can not be added unless expressly permitted by the original contract or state law. Provide documentation authorizing this fee.

Formal Requests Debt Validation : Under the FDCPA ( 15 U.S.C. 1692g ), I demand immediate validation of this debt, including : A copy of the original signed contract with ADP LLC.

Proof of the promotions terms and evidence showing why the 4 free months were not applied. 

An itemized breakdown of the debt, including how the future-dated invoices and collection fee were calculated. 

Cease Communication : Until you provide validation, cease all collection efforts, including credit reporting.

Credit Reporting : If this debt was reported to credit bureaus, notify them of the dispute and correct or delete it immediately.

Next Steps If you fail to validate this debt within 30 days or continue unlawful collection attempts, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Nevada Attorney General. 

Pursue legal action for violations of the FDCPA and applicable privacy laws. 

Send all correspondence via certified mail to the address above. 

Sincerely, [ Your Full Name ] [ Signature, if mailing a physical letter ]