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

When we struggle its often because we can not obtain credit as you people and this particular instance we believed derived from the XXXX breach. in 2018 I received notices og being placed on the dark web.and Experian 's paid watchdog service told me my information had been leaked on the dark web and not days later did my cards go to default status over the next two. I let all three CRA 's know about three accounts that where completely unbeknownst to me I had filed an FTC Identity thetf. nearly 4 years later I am still sitting here with the same disputed items all related to id theft and Ive wasted 4 yers as a single parent struggling. FCRA laws including rule 605b and [ Codified to 15 U.S .C. 1681 note ] These accounts should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX :.
Product: Debt collection

I 'm being called every 3days by this company/number never a voicemail describing who it is or why the call. Its harassing ....
Product: Debt collection

Resurgent Capital Debt have sent unauthorized text messages to a number I do not own or have access to. Cease and Desist contacting this number and send any correspondence of any alleged debt to mailing address. The owner of the phone wants all communication to cease and desist on there number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't 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 heck 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 homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions DEPT OF ED / XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information thats on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identity. Transaction to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions are not information related to my transactions by me as a consumer. 

You are required to do what I am asking and block these transactions from being reporting/ reported within 4 days from the receipt of this notice I look forward to your response XXXXXXXX XXXX credit card XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully going over my credit report on XX/XX/2020 I seen 3 fraudulent accounts and an inquiry that doesn't not belong to me. These accounts are identity theft and is causing serious harm to my credit profile. I wrote Experian on XX/XX/2020 they have failed to respond to me. I wrote them again on XX/XX/2020.
Product: Debt collection

On XX/XX/2019 I received a letter from a collection agency claiming that I owe an amount of {$200.00} to Florida Hospital XXXX reference number XXXX. I sent a letter on XX/XX/2019 demanding the company provides me with more information about the debt as I am not aware of such debt. Shortly right after, the agency have reported my credit report of a negative status of collection and did not send me the information I requested. I immediately followed it with another registered mailed letter with return receipt ( attached ) demanding the company remove the negative reporting and send me the information about the debt. I also disputed the reporting with the XXXX  Credit Agency. 

Unfortunately, the collection agency never replied to my two letter nor they have acknowledge receipt. I have a confirmation receipt from the XXXX XXXX XXXX that my letter was received and signed off by the collection agency. ( Attached ) Below is the information of the collection agency : Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX
Product: Debt collection

In XXXX of XXXX I had to have a medical procedure that was deemed important and necessary. I had medical insurance, XXXX XXXX, through my employer, XXXX XXXX. The medical procedure required me being anesthetized. I went to a medical provider in network. I was not told that the XX/XX/XXXX was not in network, and was not given a choice. I was also not given a bill at time of service. In XXXX, I had been mailed a bill from XXXX XXXX XXXX XXXX XXXX, of XXXX XXXX, NY. It was for more than {$2000.00}. I immediately notified both my employer and the insurance company, XXXX. Someone said they would look into it, and I figured that they would. In XXXX, I was sent to collections. As I was no longer working for the same company, the employer could have cared less and were no help. I reached out to XXXX, and one person there acknowledged that this should have been paid, and promised it would be taken care of. Six months went by, and this was still on my credit. I have no confirmed that the insurance company has actually paid the bill. However, XXXX XXXX XXXX XXXX XXXX, while having received payment, has refused to take this off of my credit. It has now been since XX/XX/XXXX that this has been paid, and I have the statement of benefits from the insurance company that it was paid and nothing due to me. This remains on my credit still, and no one at XXXX XXXX XXXX XXXX XXXX will assist, as they sold off the debt apparently to an in house collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries are on my XXXX report & I have made multiple request to have these inquiries removed. The credit report agencies have not fully investigated properly and the inquires continue to hinder my ability to obtain a home loan. The following hard inquiries are not authorized and need to be removed : Exeter Finance - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX Case XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called discover last week XXXX XXXX XXXX I have stressed to DISCOVER to stop reporting my private information and DISCOVER said they did STOP and they would not report to 3rd party companies or Financial institutions such as XXXX, XXXX and XXXXand Im still seeing that its still reporting my private information as of XX/XX/2022 I told them Pursuant 15 usc 6801 that I have rights to my personal information being shared to Financial institutions.
Product: Debt collection

The dates for the collections show as XX/XX/XXXX and XX/XX/XXXX for {$89.00} and {$1400.00} respectively. These accounts have already been paid on in full and are still reflecting on my credit report.
Product: Debt collection

Did not know I owed this to XXXX 7 years ago until went to rent another Apt paid this bill in full to Richland holdings. They said they would remove from my credit report. They just keep resubmitting it I called them and they told me to show proof I paid this was 7 years ago and 3 moves. they told me to go ahead and dispute it was removed nad now is back. I am just wondering if they are collecting and not paying companies they are contracted with.
Product: Debt collection

I was checking my credit report and I noticed a collection from LVNV company. I received no notifications from this company to validate debt, also I am Filing fraud with FTC due to numerous accounts being open in my name. I am a senior citizen and my information have apparently been issued out to strangers. I would like for them to validate the account is mine. I do not owe such debt.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a XXXX party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX  charge off XXXX  charge off XXXX charge off XXXX XXXX charge off Credit coll charge off XXXX CHARGE OFF XXXX XXXX XXXX CARD HARD INQUIRIE XXXX  CHARGE OFF Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting late payments since XX/XX/2020. My car was totaled last year in XX/XX/2020 and the insurance company sent XXXX XXXX a check. I was unaware there was a balance due on my loan. Nobody from the company has contacted me nor sent me anything in the mail about the remaining balance. This account is reporting open when this account should be closed or either charge off. It is my right to have an accurate credit file and errors like this are detrimental to my financial well-being.
Product: Checking or savings account

My uncle asked me if I could do him a favor and deposit his {$1000.00} income tax check which he signed but was not able to deposit into his account before going to the XXXX XXXX. On XX/XX/18, I deposited his signed check into my account at a Chase ATM. After depositing the check I went to a XXXX XXXX to send him {$300.00} which he had asked for. The following day I tried to withdraw money from a Chase ATM and got an error message. I went and spoke with a teller who said I had to call customer service. I called and they informed me that my account was frozen due to the check that was deposited. They said I had to come in with my uncle to the branch which I about a week and a half afterwards when he came back from the XXXX XXXX. At the branch they verified everything and told me that they would give me a check for the {$1000.00} which I was to give to my uncle. I then asked if I could open another account since mine was closed and they said yes and I was able to open it that same day. Days later that new account which they had opened for me was closed as well. When I called Chase they did not give me any information as to why this account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I sent my roommate rent on Venmo for {$1400.00}. Unfortunately, I was scammed trying to sell a bedframe and later that day I requested to have the {$1400.00} sent back to me until I had the funds since my account went to the negatives. My roommate sent XXXX payments back to me, on XX/XX/XXXX for {$250.00}, and on XX/XX/XXXX for {$1200.00} totaling the {$1400.00}. 

On XX/XX/XXXX, I sent my roommate back {$1000.00} to cover rent and I ended up paying the other {$400.00} in cash to him. 

Venmo is saying I owe them {$1400.00} since they covered the {$1400.00} sent to my roommate on the XXXX when my account did not have the funds. However, my roommate did not keep the money he sent the {$1400.00} back. On the XXXX when I sent the {$1000.00} venmo acknowledged I had the funds and it was debited from my account. Therefore, if the {$1000.00} that I paid for rent was taken from my account, why would I suddenly owe an additional {$1400.00} for rent again and not just {$400.00} if anything? Since the {$1000.00} Should have and would have been applied to the original {$1400.00} I sent. 

I understand the funds were sent from venmo when I did not have the sufficient funds. However, the money was sent back to my account and they debited it before I had it. I pay {$1400.00} for rent, they debited {$1000.00} for that month for my rent and acknowledged it went through. I can not afford to pay the equivalent of 2 months rent because Venmo thinks I owe them {$1400.00}. 

Therefore, to summarize : {$1400.00} was sent to my roommate, and that same day that same {$1400.00} was sent back meaning my roommate that day received {$0.00}. Venmo claims they sent my roommate the {$1400.00} and that I must pay them back because he has it. 5 days later, {$1000.00} was sent back to my roommate to cover rent, why not take that {$1000.00} as part of the debt they claim I have? By venmo asking for a payment of {$1400.00} that would literally be stealing my money as {$1000.00} was already sent back and covered. However, I do not owe them anything BECAUSE MY ROOMATE SENT IT BACK THAT SAME DAY MEANING HE NEVER HAD THEIR {$1400.00} THEY CLAIM TO HAVE. 

Please help I am desperate at this point as I can not afford to pay a debt that I DO NOT OWE.
Product: Credit card or prepaid card

Received a text fraud alert on my chase credit card. Clicked the link in the text and provided personal info to include SS # and DOB. 

Later called Chase and they said there was nothing happening on my credit card. 

Heres the text message CHASE-ALERT : we have temporarily locked your chase account, visit at XXXX XXXX XXXXXXXX to recover Mobile # attached to this text was XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent letters and went on my XXXX app too dispute XXXX inquires that arent mine ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } and XXXX inquires look like the same company and plus inacurrate address 's plus other accounts that i tried to bring to there attention thru letters and plus the app and verbally
Product: Debt collection

On XX/XX/2022 I pulled my XXXX credit report and noticed a collection from a collection company by the name of RentDebt Automated Collections. I sent them a letter dated XX/XX/2022 informing them that they had violated federal law under the FDCPA Regulation F by reporting an unknown debt to my credit file. 

I asked them to remove this reporting and to provide me with Validation that this debt belonged to me. In response I received a letter acknowleding my letter of dispute. I specifically noticed them that I was not seeking verification nor was I consenting or acknowledging the collection that they have placed on my credit report. In return, they indicated that they would contact the consumer agencies to show that this collection is being disputed. 

They have totally ignored the law and think that they can by-pass it by falsely stating indirectly that I am consenting of acknowledging this reported collections. 

Furthermore, the information that they provide to me does not belong to me. I do not know who they are nor do I acknowledge the collection that they have placed on my credit file as of XX/XX/2022 well after Regulation F went into effective.
Product: Credit reporting

I received notifications from XXXX XXXX, XXXX, XXXX, and XXXX that my personal information had been hacked. I have been disputing several accounts with XXXX Equifax, and XXXX for almost XXXX years. I now know why there is a class action lawsuit filed against XXXX Equifax, and XXXX in several states for not properly investigating consumer disputes and for listing inaccurate information on credit reports.
Product: Debt collection

Received from XXXX XXXX XXXX XXXX that I had a delinquent account that has been assigned to their office, defaulting me if I did not reply in 30 days. This debt is not mine and I question if the debt is more than 4 years and barred by the California Statute of Limitations. They produced no records or statements indicating the existence of the debt, much less, when, if any, debt was incurred.
Product: Checking or savings account

Citigroup makes it easy to open an account online but does not allow closing in the same fashion. Instead I waited several minutes on hold to be told that I needed to call back 3 days after the last transaction occurred. 

Why do I have to wait to call back when their system should be able to handle the deferred close if that is what is needed. Moreover, why can I not close an account online when I am able to open one?
Product: Credit reporting or other personal consumer reports

I DO NOT RECALL OR RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS ON MY CREDIT REPORT HARD 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 {$410.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX  XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$310.00} XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I do not recognize these Hard Inquires and i have asked the credit bureau to removed these from my credit and they have not removed them. I am providing an identity theft report which i will be attaching to this, I am requesting them to be removed because they are inaccurate and they are not mines. 

Thank you
Product: Checking or savings account

On XX/XX/XXXX, I opened up a BMO Relationship Checking account. The account opening was successful, and I was able to create an online username/password. I was able to successfully log in and see my account number. To open, I was required to deposit {$25.00}, which I instantly did. 

On XX/XX/XXXX, I was able to log in to my online account, but my Relationship Checking account had disappeared. I called IT support, and they said they could not find my account ( I unfortunately forgot to write down my account number on XX/XX/XXXX ). I was able to confirm with the applications team that my account was successfully opened, and that I needed to wait XXXX business days to get it processed and for it to reappear online. 

On XX/XX/XXXX, I was no longer able to log in to my online account. It said that I had the wrong username/ password, and when I tried to reset with my social security number and email, it said that the information didn't match. 

On XX/XX/XXXX, I went into my local XXXX branch. The XXXX representative could not find the account in her system, but she was able to call in to the same applications team from XX/XX/XXXX. They told her that there was some technical issue that was causing problems, and that they could not release my account number. The BMO representative told me to wait another XXXX days to see if the technical issue had been resolved. 

The following week, I received XXXX letters in the mail. The first was to activate my debit card, and the second was an account statement for the period between XXXX, which confirmed my {$25.00}. On the statement, I received my full account number. I was unable to activate my debit card via the automated phone line, and was transferred to a representative, who then told me to go into the branch to resolve the issue. 

On XX/XX/XXXX, I made another trip to the BMO branch with these XXXX documents in hand. Still, the BMO representative could not find my account, and the BMO representative called their back office. The back office instructed her to create a work request internally to get a resolution to this issue, and that they would investigate and get back to her within XXXX business days. 

I am writing to you today, on XX/XX/XXXX, still unable to log in online, with no access to my account or debit card. The BMO representative never contacted me, and it has been over a month with no access to my account, nor the funds inside.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX, XXXXXXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports