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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S.Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15.U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragragh ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. There are items on my report that have different dates open, as well as different payment history and different dates of last activity on all three bureaus ... which is inaccurate information reporting to my credit profile.. 
Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This creditor is not even licensed to collect a debt in the state of Mississippi ... and I did not give them consent to report information in my name to the consumer reporting agencies... 
XXXX XXXX XXXX XXXX ( This creditor is not licensed either to collect a debt in the state of Mississippi ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account reporting on all 3 of my credit reports which was incorrectly processed and sent to a collections agency by XXXX XXXX. The amount reporting on all XXXX credit reports is for {$270.00} and it has been in collections and reporting negative since XX/XX/2019. This was an error made by XXXX XXXX ' in which they did not see all the equipment that was returned to them and one of their employees reported the item not returned, and once they did their inventory they realized that I had returned the item and they notified the collection agency ( credit collection services ) which then showed my account with XXXX XXXX in good standing, however the delinquency and collection activity is still reporting on all 3 credit bureaus ( XXXX XXXX, XXXX, & XXXX ) I have spoken to XXXX XXXX and the credit collection services several times and they always advise me that they do not show any collection activity or notices against me, and they have requested that all XXXX credit bureaus remove the collection notice of delinquency from my credit report, but nothing has been removed and it is affecting my credit to purchase a home. I also sent letters and contacted all 3 credit bureaus but they came back with the negativity still reporting against me on all 3 credit bureaus. The Credit collection services customer service representative advised me that they have stopped all negative reporting to the credit bureaus form XX/XX/2019 and she had no idea why all XXXX credit bureaus still were reporting the delinquency on all 3 credit bureaus. This is a headache, because I do not believe that the credit bureaus are doing their job, only ruining my credit and this delinquent item should be removed immediately!!! 
It is reporting under Credit Collection Services, phone # XXXX - XXXX XXXX XXXX XXXX MAXXXX
Product: Money transfers

Hi, I did sent mony from XXXX to XXXX {$1200.00} but the system exchange it to current currency and I called customer care to cancel the order and I got approved for that. Four days later I called back WU and they said it is not canceled and we give you points for next transfer. The problem is that the receiver can not get that money because it is not in Dollar. I want you return the money back or make it Dollars. I have called many times and these are the reference numbers XXXX - XXXX. They said the receiver must reject the money first. The problem is that the reciver is not even know where it is. The bank and WU in XXXX says no money come yet. Now, I need a solution or I am going to sue you next week because of difficulties in my business. I do n't respect that happened to me in my first time I use WU. please cancel the order as I requested before on time and return the money back so I can find a better way to transfer or make change to the money to be received on Dollars. Again, receiver can not find it. 
XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting

I have been contacting Transunion for over 2 months disputing the exact same inquiries that I did not authorize. So finally, today, XXXX/XXXX/2016, after being extremely fed up that this credit bureau continues to send me the exact same inquiries that continue to be disputed from several months back. I called Transunion and I could see why no disputes can be processed logically with common sense. # 1, it sounded like I called XXXX. Secondly, the first representative I spoke with named XXXX told me I need to call the companies that pulled my credit and have them send me a letter to provide to Transunion. I advised XXXX that I was talking to him on a recorded line and that I already called the companies who are listed in the Inquiry section and they advised me to contact the credit bureaus. When I advised XXXX this, he told me again, I would need a letter from each company who is listed in my inquiries section. He then went on to tell me once the companies give me that letter, then they can go thru the process. So basically, the companies listed on my inquiries who have told me to contact my credit bureaus are now the ones who should provide me a letter to give to them. I advised XXXX, the companies who pull your credit do not take the time to send letters for unauthorized inquiries ... I advised XXXX, your job as a credit bureaus is to conduct an investigation and re-contact those same companies and verify that I did not authorize this. I was advised by XXXX they were not going to do that. And unless each company who pulled my credit and left an unauthorized inquiry provides me with a letter, the unauthorized inquiries will remain on my credit file. When I advised the rep, XXXX that I would be informing the FTC, he continued to be nice nasty polite as he continued to show refusal of doing his job. Really, what purpose does Transunion serve if they are relying on companies, who did not distribute a good or service, but conducted an unauthorized inquiry on my credit report, to now do their jobs? Really? If this is the case, Transunion is not needed as a credit agency. The consumers can monitor and do their own investigations for their own credit reports. I have already done all of the investigation work for Transunion in the past. I have been assisting them for years in providing evidence that has assisted them from doing any work on their end. Now, my job as the consumer is to now rely on non credit reporting agencies to assist me to do Transunions job? This is insane! This negligence and irresponsibility on their parts needs to end. Please educate these unclear XXXX speaker of FTC & FDCPA laws. I will never invest in any Transunion credit monitoring monthly service promotion, due to the fact this agency can not take the initiative to properly investigate cases where the evidence is clear and simple in front of them! Bottom line the inquiries I have been contacting them about for over 2 months, I did not authorize, therefore, they have to be removed! If I did not authorize it, I will not continue to look at them on my credit report.
Product: Debt collection

Consumer has a right to privacy. NORTHSTAR LOCATION SERVICES, recently began contacting the consumer after " purchasing an alleged debt '' that consumer allegedly owed to XXXX XXXX XXXX. The debt collection agency was informed to cease and desist contacting Consumer. NORTHSTAR LOCATION SERVICES received notice to cease and desist on XX/XX/2024 via certified USPS MAIL. Once previous contract with XXXX XXXX XXXX was severed which is the Consumer 's personal non-public information, any alleged contract became null and void. NORTHSTAR LOCATION SERVICES also accessed Consumer 's credit report without their written consent, authorization and/or permission which is a violation of the FCRA and FDCPA. NORTHSTAR LOCATION SERVICES since accessing consumer 's personal information, should have been notified that XXXX XXXX XXXX  submitted cancellation of debt to the IRS, therefore any alleged debt has been discharged and forgiven. Consumer has suspicion of these two companies committing TAX, SECURITIES AND TRUST FRAUD, therefore Consumer will be submitting FORM 211 INFORMATION REFERRAL AND FORM XXXX TO THE IRS for any account held in consumers name and social security number with XXXX XXXX XXXX  AND NORTHSTAR INFORMATION SERVICES. CONSUMER HAS NO CONTRACT OR BUSINESS WITH XXXX XXXX XXXX NOR NORTHSTAR LOCATION SERVICES NOR ANY OF THEIR AFFILIATES. The FCRA, in 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), allows a consumer to recover any actual damages sustained by the consumer as a result of the [ violation ] or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX XXXX IS IN VIOLATION OF THE FCRA 15 USC 1681 FOR ADVERTISING AND SELLING CONSUEMR 'S PERSONAL NON PUBLIC INFORMATION. NORTHSTAR LOCATION SERVICES IS IN VIOLATION OF THE FDCPA 15 USC 1692 A Consumer 's Right to Privacy. CONSUMER HAS COPY OF XXXX REPORT SHOWING THE DEBT COLLECTOR ACCESSING THEIR CREDIT REPORT WITHOUT CONSUMERS WRITTEN CONSENT. CONSUMER HAS PREVIOSULY OPTED OUT OF ANY PROMOTIONAL SHARING OR SELLING OF THEIR INFORMATION AND NORTHSTAR LOCATIONS SERVICES HAS NO PERMISSABLE PURPISE TO ACCESS THIS CONSUMERS INFORMATION AND THEY AHVE BEEN NOTIFIED TO CEASE AND DESIST CONTACTING CONSUMER.
Product: Debt collection

The XXXX XXXX XXXX is the company in question. I had been receiving calls from a XXXX number asking to collect a debt for weeks. In the call in prompts you to dial 9 to be connected with a representative.Every time I pressed 9, the call was never answered. I would attempt to call the number directly and they never answered either. Finally on Tuesday, XX/XX/18, when they called again I pressed 9 and after several rings someone answered. The person who answer asked me for a case number. I informed him that his company was calling me. He interrupted me and said you need to listen to the instructions on the call. He was rude and very short with me but soon after told me that they were going to subpoena me if I didn't pay the debt owed and levy a judgement on me. I informed him that I have perfect credit and don't have any outstanding balances. He said that is not what he has in the system and if I want avoid them coming after me, I better pay the debt. He did not explain where the debt originated from and only antagonized me to pay up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent verification letters to all three bureaus and never received a response. The original letters were dated XX/XX/2021. Today is XX/XX/2021. This far exceeds any 30-45- or 60 day window the bureaus could have. The FCRA Clearly States that if the disputes are not addressed in a timely fashion ( typically 30 days ) the inaccurate items must be removed.

Please instruct the bureaus to remove the accounts at once based on the laws. Particularly FCRA 15 US Code 1681i. It's unfair practice and hurting my ability to lead a normal life.
Product: Debt collection

I was reviewing my credit report and found this account, that i have never had and they have never contacted me. I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to remove incorrect information from my credit report despite contacting TransUnion multiple times, and despite other major credit reporting agencies removing the same information and has taken months to still NOT address my dispute. 

Both of these accounts are being listed as an auto loan on my consumer credit report. This alleged agreement by the governed law UCC is indeed a credit sale. 

TransUnion has not been furnished with any documents suggesting or validating that this an auto loan. As the alleged debtor, no money or goods have been loaned to me. Per section 15 USC 1681e, I am entitled to an accurate, complete and verifiable credit report and requires that consumer reporting agencies to adopt " reasonable procedure to assure maximum possible accuracy and integrity of the information '' contained in consumer reports. TransUnion intentionally and irresponsibility reporting false information. You, ( TransUnion ) as a consumer reporting agency, are aware of the tax laws and obligations. You assumed a vital and responsibility role to assure the maximum accuracy of information in consumer reports you furnish. The fundamental properties of this retail installment contact are not applicable and does not constitute as being an auto loan. XXXX XXXXXXXX XXXX XXXX does not have an enforceable contract as an auto loan for me, XXXX XXXX, for these accounts, so you can not furnish this account as an auto loan. 

This is indeed an actual factual inaccuracy that could have been covered by a reasonable investigation. 

You need to REMOVE and BLOCK the following accounts from my consumer credit report immediately. 

University XXXX XXXX XXXX XXXX Account XXXX XXXX University XXXX XXXX XXXX / Account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of inaccurate information from my credit report. Upon reviewing my credit report, I have discovered several accounts that do not belong to me and appear to have been merged with another individual 's file. These errors are damaging my creditworthiness and have the potential to cause significant harm to my financial standing. It is imperative that you conduct a thorough investigation into these discrepancies and rectify them immediately. Failure to do so may result in legal action being taken against your bureau for non-compliance. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

hello I am writing regarding the collection reference # XXXX for {$2300.00} plus interest now {$1000.00} fir 3 months, since I was never notified before and they sent an account to collection of an accident I had in XXXX, my credit has been damaged and I tried in every way to prove that it was not I have this debt with XXXX since the check was sent on XX/XX/XXXX to the XXXX XXXX, which is the office of XXXX XXXX ex-husband of XXXX XXXX in the divorce dispute, the accounts were on one side and on the other and I I am one of the victims since it is not known who cashed said check, I hope for your help and that I have spoken with all the parties involved but I have not had a positive response, I will send the corresponding documentation and I await your prompt response. I thank you in advance for the attention given and the Any help you can give me to solve this big problem
Product: Debt collection

The Mini Van was reported stolen to the Police but resolved that it was retrieve by Ally Financial as repossess without notice.
Product: Credit card

Destiny mastercard offered an excellent promotion to help rebuild credit so I applied and received the card. I planned on using it once in a while and paying it off right away. The first day, I charged XXXX dollars at a gas station. I received an email with my new balance of {$210.00}. Apparently there was an asterix on the promotion stating that you would be assessed their fee of {$200.00} the first time you used it. I tried to cancel it the same day, but the rep said that regardless of how or why I signed up, I either paid the {$200.00} fee or they put it in collection. I will gladly pay the {$12.00} or so, I'll even give them {$20.00}. I just want that deceptive membership fee removed. I have already cancelled the card.
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 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 seven years.

15 U.S.C. 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: Credit reporting or other personal consumer reports

Im a victim of human XXXX  and the account listed was the result of the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a late payment for XXXX XXXX XXXX Acct : XXXX from XX/XX/2016 that never happened. My payment date was changed with XXXX in XX/XX/2016, but Equifax never updated the payment date on their side to reflect the new payment date. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Equifax make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion are both reporting illegally. XXXX XXXX XXXX is not my account but has been fraudulently added to my collections and derogatory marks. Resulting in illegal defaming and damage to my report and score. 
Consumer laws and FCRA 15 usc 1681 are to be affective immediately.

I ask for removal immediately or legal action will occur
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX To Whom It May Concern, I have recently received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities so that I may become a first time home buyer. I noticed several accounts that should not be on my credit report and thus should be deleted. I am not stating theyre accurate or inaccurate, however I am not 100 percent sure if they are. Recently I discovered the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am not sure is accurate. 

The Creditors who have reported inaccuracies on my credit I have never heard of which positioned me to mail in this letter of concern. I'm sure you are familiar with Article 15 U.S.C. Sec. 1681i ( a ), as it states that if you cant provide proof, these accounts must be deleted. I would like for the inaccurate accounts ( listed on the next page ) to be deleted. If possible can you check on these accounts and get back with me? 

Its imperative that these accounts are removed in order for me to become eligible for home loans. If there is any paperwork that I need to sign to confirm the listed inaccurate accounts are not mine please email me the required documents. 

This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be Aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 





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

The car was auctioned for {XXXX} we Only owed XXXX dollars The finance company is lying about the amount they received in the amounts that we
Product: Credit card

I applied for the AMEX XXXX Credit Card with an offer of XXXX sign-up points. However, after entering my details, I received a prompt reducing the sign-up bonus to XXXX points and asking me to confirm and proceed. 

I went ahead, applied, and met the spending criteria for the sign-up bonus. During the application, I also opted for a designer card, which AMEX issued as an add-on in my name, and they charged a fee for it. I later called AMEX to cancel the add-on card and requested a fee reversal, which they processed. 

When I followed up on receiving the sign-up bonus ( Request # XXXX ), AMEX closed XXXX request, claiming I had a previous AMEX XXXX card due to the add-on issued with my application. After explaining this misunderstanding to an agent, they agreed that I am eligible for the sign-up bonus, but XXXX months later, XXXX still waiting for it to be credited.
Product: Credit card or prepaid card

I owed American Express approximately 1300 for a balance on an American Express credit card. They stated that I need to repay the whole balance by the end of the month, which I thought was absurd. I have never owned a credit card that forces me to pay the entire balance every month. At the time, I had a lot of hardships and wasn't able to repay the whole balance. I told them I can make payments. So we worked out a payment plan of XXXX dollars a month for 24 months. I paid them every dollar that I owed. I have the bank statements to prove it. A year later, they called me again, and said, that I still owed them money. I told them I already have paid, but apparently the person I spoke to didn't believe. They sent my supposed debt to a debt collector. I feel like they were trying to extort more money out of me. And since they weren't able to, they sold my supposed debt to a debt collector to maximize their profits on my behalf. And now I am obligated to hire a lawyer to fight this, which costs me more money that I don't have, especially during this pandemic.
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. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 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 seven years.

15 U.S.C. 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: Credit reporting, credit repair services, or other personal consumer reports

Got no response, this Agency have continued to report unverified, and unvalidated information on my report