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

Today [ XX/XX/XXXX ] I ran MyFico report for all 3 credit bureaus. XXXX stated Excellent credit. Experian Good, XXXX has put negative credit on my report as of XX/XX/XXXX. On XX/XX/XXXX I ran MyFico report with Experian with score above XXXX, today score is down XXXX points to mid XXXX 's. Big red Flag!! I reached out to Experian XXXX  - credit monitoring which was given for settlement with a data breach with XXXX. No red flag showing up on Experian XXXX XXXX but it did on my Experian credit report. I spoke with XXXX at Experian. While looking at the report there where two reports for the same card. One positive and one negative. The negative report appeared on my report after XX/XX/XXXX. The credit report show the previous opportunity was paid in full in XXXX XXXX. There has been no activity on my card, nor have I canceled the card. XXXX has listed up and till XX/XX/XXXX " OK ''. Now for XX/XX/XXXX on one report showing " XXXX  '' and account closed with one month pasted due. I have not used the card since XXXX XXXX. How can it be past due, when it was paid in full in XXXX XXXX, and listed on all 3 credit bureas as " OK '' since that time? XXXX and his supervisors that he spoke to several times over the 1 hour 15 minute phone call could not explain the two reports on their file. I then contact XXXX and they didn't provide any asisstance. I asked to speak to supervisor and was told know. I then called XXXX XXXX Credit card and told to call XXXX again, then asked for a Supervisor and got the run around, so I hung up. I have records showing the card was paid off in full and okay since that time. This negative report just appeared on my Experian line of credit. This not acceptable. Per the rules : '' If the credit reporting company violates the FCRA, they can be held liable for actual damages and attorney fees. In the case of a willful failure to comply with FCRA requirements, the company can be liable for actual or statutory damages and punitive damages ''. I learned this today ; " An individual has several options available to fight the reinsertion of a negative trade line such as : Request a new investigation with the credit reporting agencies. 
Add a consumer statement to his or her credit report. 
File a lawsuit against the creditor committing the reinsertion ''. 

I want to know why XXXX, claims I am one month past due, when this was settled by the records I have in XXXX XXXX and reported to all 3 credit bureaus? I have the records from the 3 credit bureaus showing this account has been okay up to and through XX/XX/XXXX. I haven't used the card since XXXX or canceled the card. The company once again has not mailed me or emailed anything, except flyers to purchase items from their store. XXXX have violated the FRCA ruling and are commiting Fraud!!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : **** Unauthorized inquiries : 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 XXXXXX/XX/XXXX
Product: Debt collection

I had a service contract with Fluent for 36 months starting from XXXX, XXXX XXXX thru XXXX, XXXX XXXX. For nearly four months or since XX/XX/XXXX prior to my end of termination date, I attempted several times to cancel my contract believing that I didn't have such a long term. With several phone and email exchanges between myself and Fluent - in XXXX of XXXX I was mailed a copy of my original contract. I did correct my understanding and agreed to fulfil the balance of my initial contract in lieu of paying cancellation fees or early termination fees as I was explained that I could cancel, but would still have to pay. I made it very clear that my intention was to not continue my contract and that was confirmed via several conversations and account notes as mentioned by the various representatives that I spoke with. Having my intentions clear - following my initial term, I continued to be billed on my credit card for the services I had cancelled. I reached out to the bank for them to put a hold or cancel my accounts affixed to Fluent and filed a claim with their fraud department. After a couple months of this activity - Fluent attempted to start collecting a debt on the account and implied that because I didn't issue a letter or fax to their business address that my account auto-renewed for another 36 months. I emphatically stated that my account had been terminated and that their product had been removed from my residence due and that they were no longer authorized to monitor anything about my property. This correspondence took place for several months whereby an automated or scripted response was issued about me owing for an additional contract because I didn't cancel 30 days before my initial term. Apparently and after the fact, this company implies that it will accept Fax ( electronic ) and certified mail as their only means for termination of a contract for which all correspondence for three years on this account were all by digital means ( phone or emails ). This company being fully aware of my intent to cancel well before the 30 day cancellation term didn't one time imply that they didn't understand my intent. In fact, their emails state that they do understand and had received my messages. 

After my initial term had expired- all future correspondence was every attempt to collect another 36 months worth of their services of which I do not want, and had made my position very clear. 

Outside of my position- there are several who are experiencing the same treatment from this company. Tactics of ignoring requirements until some position of leverage within their documentation support their position to force customers to continue or not be let out of their contracts. Examples of this can be provided upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent letters to XXXX ( tracking number # XXXX ), Transunion ( tracking number # XXXX ) and XXXX ( tracking number # XXXX ) directing them to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 : I have the right to privacy, and according to 15 USC 6802 : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. 
These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested an investigation of my credit file because I felt the item was not being reported legally. On XX/XX/year> I received a letter stating the investigation was complete and the following items had been verified. Since Im concern about the practices of credit reporting agencies using service like XXXX & XXXX  to verify information I need you to please answer the following question : Please provide me a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. As required by FCRA. 

XXXXWho did you speak with? 
XXXXWhat was the date? 
XXXXHow long was the conversation? 
XXXX.What was their position? 
XXXXWhat number did you call? 
XXXXWhat is the name of your employee that spoke directly to the creditor? 
XXXXWhat is the position of your employee that spoke to creditor? 

This inaccurate reporting has caused me SEVERE financial and emotional distress & Id like this matter resolved immediately. Please reply within XXXX  days to the above question or delete the following items. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$1700.00}
Product: Debt collection

I asked for debt validation in the company via certified mail, they received it on XXXX XXXX2021. They responded a letter print out " validating the debt '' Its clearly something that can be printed or typed in the computer. That is not a proper documents to validate the debt {$150.00}. It is damaging my credit file. I then again follow up few more letter every 30 days, but they never gave me what I am asking for and they continue to report it to the credit bureaus. This is a violation by FDCPA.
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 Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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: Debt collection

XX/XX/year>, I wrote and submitted a " Debt Validation Request '' As perscribed Fair Credit Collections Pratices Act. I waited the 30 Day Required response time without any response from LVNV Funding, Also Ressurgent Capital Services, L.P. ( XXXX XXXX XXXX XXXX ). 
After waiting the initial 30 day response period, I sent them a second letter in XXXX, XXXX, giving them a second opportunity to respond to my legal request. 
In XXXX I contacted this company via telephone to ascertain as to why they refused to answer either of my legal request for their company and this supposed debt to be validated. 
I was told that when they received my request for Validation, They took it as a Cease and Desist demand, I believe this answer and ultimate refusal as being tantamount to " WILLFUL NON-COMPLIANCE '' This company intentionally failed to respond to this customers legal and valid request. Therefore this debt due to this violation of the FDCPA should be expeditiously removed from this customers credit report.
Product: Mortgage

Housing & land opportunity of reasonable affordability was missed with international negative impact on me as a Veteran, Human, Susabled human, XXXX human of a different ethnic background than she.. She was more interested in the status of my husband since this was the 2nd time she and/or realtor defaulted on promise based on their licenses & etc
Product: Payday loan, title loan, or personal loan

The company forfeited this account after I bought this credit line with a bank account it costed {$750.00} to open this line of credit after I bought the line of credit for XXXX was never subtracted from the full bal
Product: Credit card or prepaid card

I had a XXXX credit line with Discover Card. They suddenly lowered the credit line for no reason and no notice shortly after paying them off for no valid reason. This was mainly due to unethical issues with XXXX XXXX sending my ex husband a credit card making him think he was approved for a XXXX card he had recently applied for. Instead they sent him a card under my account as an authorized user but making it look like his own account. It was not time for issuance of new cards and neither I nor XXXX asked for this card. I have complained to the XXXX and they have completely mistrued the issue with replying to the XXXX about XXXX being a authorized user on my Discover Card which had nothing to do with the issue of the credit line decrease because of the authorized user card on my XXXX XXXX account. Either they are illiterate and are totally unable to read or interpret or they are just wasting time and not planning on correcting the issue which had nothing to do with increased spending on my part. Complaints have also been filed with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.
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 paragraph ( 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 shalli ) promptly delete that 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.

Please remove the following items from my credit report, immediately : Experian Incorrect address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Never lived here ) Experian XXXX XXXX Date opened : XX/XX/XXXX Account type : Revolving Late Payment XX/XX/XXXX ( Payment was made early ) Experian Incorrect Names on Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Full Name : XXXX XXXX XXXX or XXXX XXXX -- -- -- -- -- -- - XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Account type : Revolving Accout status : Open Late Payment XX/XX/XXXX ( Payment was made early ) -- -- -- -- -- -- Transunion Incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( I never lived at these addresses ) Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX New York, NY XXXX Transunion Incorrect Numbers XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Correct Number : ( XXXX ) XXXX XXXX XXXX XXXX  XXXX  XXXX Date opened : XX/XX/XXXX Account type : Revolving Account status : Open Late or Missed payment ( Payment was made on time )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of social security identity theft. I attempted to place a fraud alert and freeze my credit with the credit reporting agencies ( XXXX, TransUnion & XXXX  ). Because I do not have any debts, credit cards or loans they told me I don't exist in their system and they can't place a fraud alert or freeze my credit on my account. However they were able to send me a credit report. If they can send me a credit report they should be able to protect me with a fraud alert ( and/or freezing my credit ).
Product: Credit reporting or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXXXXXX XXXX XXXX XXXXAccount name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 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: Debt collection

I have been attempting to address this issue since XX/XX/XXXX. The following dispute revolves around a medical claim involving myself, XXXX XXXX, XXXX XXXX, and now the collection agency of Radius Global Solutions, LLC. I do not have any responsibility for the debt youre trying to collect. If you report it to a credit bureau ( or have already done so ), please report that the debt is disputed. 
On XX/XX/XXXX Radius Global Solutions, LLC validated the debt totaling {$130.00} as defined : XXXX for XX/XX/XXXX XXXX for XX/XX/XXXX I have attached the file Consumer Financial Protection Bureau as supporting documentation for my denial and claim for payment of {$25.00}. 

XXXX - {$350.00} TOTAL AMOUNT BILLED XXXX XXXX XXXX XX/XX/XXXX balance due of {$180.00} XXXX XXXX XXXX XX/XX/XXXX balance due of {$160.00} XX/XX/XXXX paid XXXX XXXX {$25.00} check XXXX based on XX/XX/XXXX XXXX XXXX XXXX Based on XX/XX/XXXX XXXX XXXX XXXX is overpaid {$25.00} due to my payment on XX/XX/XXXX. 

EOB Amt Billed {$160.00} XXXX XXXX EOB Payment for service was denied b/c " not a proven procedure '' and furthermore states a " Network provider may not bill you unless you gave written permission before you received the service. '' ****I have attached XXXX XXXX of the XXXX XXXX contract which states that XXXX XXXX may only collect payment for non-covered services if they first receive a written consent which includes an estimate of charges. 
I did not receive a copy of my written permission during Radius Global Solutions, LLC 's validation of debt. 
EOB Amt Billed {$100.00} XX/XX/XXXX Plan Discount {$100.00}, Allowed Amt {$0.00}, Plan Pd {$0.00}, Patient owes {$0.00} XX/XX/XXXX {$59.00}, {$50.00}, XXXX, {$0.00} EOB Amt Billed {$79.00} XX/XX/XXXX Plan Discount {$54.00}, Allowed AmXXXX {$25.00}, Deductible {$25.00}, Patient owes {$25.00} XX/XX/XXXX Plan Discount {$54.00} Allowed Amt {$25.00}, Your Plan Paid {$25.00}, Deductible {$0.00}, Patient owes {$0.00} Paid XXXX XXXX check XXXX {$25.00} XX/XX/XXXX XXXX - {$720.00} TOTAL AMOUNT BILLED XX/XX/XXXX XXXX XXXX EOB Total Plan Discount {$660.00}, Total Allowed Amt {$62.00}, Total Deductible {$53.00}, Total Plan Paid {$9.00}, Total Patient Owes {$53.00} Paid XXXX XXXX XX/XX/XXXX check XXXX {$53.00} I would appreciate a prompt response showing evidence that I am responsible for this debt, notice of debt cancellation, and/or reimbursement for the {$25.00} overpayment.
Product: Vehicle loan or lease

I noticed about 2 years ago that my vehicle loan was no longer reporting to my credit. I reached out to the company upon noticing and requested that it be fixed. They assured me it would be, and said to follow up next month as they report each month on the first. I XXXX XXXX XXXX XXXX so I agreed and understood. 

However, it was never resolved. I continued to follow up multiple times over the following year and a half until now, and at each follow up they would reiterate that everything appeared fine and should be fixed. The company did contact me via text on my personal phone however I gave explicit permission for them to do so. 

I have in the past 4 months frozen my credit, as the company requested that they could pull my credit to " ensure I was reading it correctly '' I denied this request, as I was reading my reports via the official websites, and forwarded pictures via text of my credit reports to the companies contact number I was given. 

I still have the texts and can provide those upon request. Their account notations seem to have the dates as they reference them whenever I call to reiterate my complaints each month.
Product: Credit reporting

someone in Kentucky used my master card to buy from XXXX on XXXX/XXXX/15 for {$67.00} twas not I, my card has been hacked
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX Incorrect Name : - XXXX G XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!