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

Dear, Experian I received a copy of my credit report and I have found the following items listed below to be in error. Account Name- XXXX XXXX XXXX XXXX Pursuant to 15 USC 1666b 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. 
I NEVER gave You, Experian OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Experian has caused severe stress and anxiety due to the abusive and unfair practices. This account is also is be reported as late when I never was never late on any payments. XXXX XXXX even acknowledges the fact I wasn't late on any payments based on the fact they are reporting the account as never later/paid on time. This is a violation of 15 USC 1681 s-2 because XXXXXXXX XXXX/Experian have a duty under said title to report on my consumer report with 100 percent accuracy. XXXXXXXX XXXX/Experian are obligated by law to delete all late payments associated with this account and report the account as Never late/paid as agreed across all 3 consumer reports. 
Both XXXX XXXXExperian, should be ashamed of themselves for ASSUMING this role and position to constantly commit fraud and cause harm to consumers!
Product: Debt collection

I had a debt for collection in the amount of XXXX from XXXX XXXX who was sold to Jefferson Capital Systems ( JCS ) and XXXX XXXX XXXX in which both companies sent me letters for debt collection, i paid the amount of XXXX to JCS on XX/XX/XXXX as a settlement and to also remove it from my credit profile. Although the account was paid, i talked to XXXX XXXX XXXX on XX/XX/XXXX still wants to collect the amount of XXXX to remove the account i had already paid to JCS. They told me JCS wasnt supposed to collect and that i still owe them the original debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original creditor XXXX XXXX has account was found to be fraudulent and has been removed from XXXX so the debit collector that picked up that debit should be removed as well. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX
Product: Debt collection

I have been living in XXXX for 6 years someone stole my identity from my home st XX/XX/XXXX but capital one will do nothing to take care of this again I have been living in XXXX since XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXXXXXX XXXX ACCOUNT # XXXX
Product: Debt collection

NCC Business Services with a business address of : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX and Telephone : XXXX and Website : XXXXXXXXThe company called my XXXX year old daughter several times in the past 2 to 3 months asking for XXXX XXXX. My XXXX year old daughters name is XXXX XXXX. Obviously not the same person. She tells they have the wrong number and she does not know that person. I have told them to stop calling her. 

They called her today XXXX XXXX, 2015 around XXXX MST again from the phone number XXXX. She said it was a woman who called her. The woman asked to speak with XXXX XXXX which is my daughter 's name. When my daughter acknowledged that she was the person they were asking for the woman asked her where she was, asked where her mother was, where her father was, if she was alone, asked who was watching her. It scared my daughter enough to call me at work and I became very alarmed and upset. 

I did an internet search on the phone number and it came up with the information for NCC Business Services. I contacted the number that called my daughter and asked them what type of business they were. The woman did not disclose her name and would not disclose the type of business. She said it would depend on what number had called. I gave her the phone number XXXX and she said she could not locate my personal number or that anyone had called me. I gave her my daughter 's cell phone number and explained the situation. She affirmed that someone had called my daughter but would not disclose reason for call or who had called. I asked for her supervisor and she put me through to a gentleman who placed me on hold and the call was then picked up by XXXX XXXX. He stated he was the supervisor and was looking into the call. Then the call was disconnected. I immediately called back and a woman answered would not provide a name and said that they were experiencing system issues and that XXXX would call me back. I advised that I wanted to be placed on hold and that I needed the answers immediately. I was asked to hang up and XXXX called back in less than XXXX minutes he provided me with his job title and cell phone number which is Director of Software Support cell XXXX. He would not answer any of my questions. He said he would look into the issue and " take care of the matter '' and would call back by XXXX MST today. I think it is a serious situation, the company will not give any information as to why they called again, why they are asking for my daughter directly now, who the person was that called my daughter, and do not acknowledge that the questions were extremely inappropriate, alarming, and have no right to ask such questions especially of a minor. It was obvious that the woman who called knew my daughter was a minor by the questions she asked yet she did not end the call. She continued to harass my daughter and question her for information. The only information I was able to obtain is that the record they have is under XXXX XXXX. So they are still calling about this woman after we have told them several times it is the wrong number and have told them not to call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 disputed the validity of this account and the company responded by closing the account. This accounts is definitely in violation of the FCRA and needs to be permanently DELETED from my credit report. This company failed to fulfill its legal obligation to either conduct a thorough investigation and provide me with solid proof of the process or delete the collection account. This company knows it is reporting fraudulent information and decided to close the account instead of deleting it from my credit report.
Product: Credit reporting or other personal consumer reports

A false collection action was posted against me on Equifax. I went online at my Equifax account and disputed it. The problems start with the Equifax system. Their system only allows a few words on three short lines to describe why you are disputing the problem. Then the system failed to allow me to upload supporting documents. Then Equifax does not allow any other contact avenues via the online system to reach out for help in getting support documentation submitted. Their system keeps logging you out and or trying to force you to buy a monthly subscription. Their help section online does not give any email addresses or text options. Once they go through a week 's process of whatever they do, they send me a notice that states they are going to leave the negative false information about me on their site until 2026. At the end of their notice, they say that you can dispute their findings by uploading any additional supporting documents online. When you go back online to find out how to do that, there or no options given nor any help avenues to do so. The only other option is snail mail of paper documents. Given how undependable our local mail system is here, it is more likely to get lost than delivered. Equifax has put forth a system that hurt individuals with issues like mine instead of helping them. They have an operation that has harmed me severely and have penalized me by dropping my credit score and damaging my 100 % on time payments of all monies I have had in my credit files for decades. I have proof that collection action posted against me, should not have been allowed.
Product: Credit reporting or other personal consumer reports

I recently submitted disputes the Experian, however they told me my disputed results was complete. Upon looking at the messages from your Experian specialist it states disputed items not listed on credit report. When I checked my credit report the items are still there! I will insert a screenshot of where it says the specialist said the items I disputed are not on my credit report but yet reflecting. Experian is not doing proper investigation and just trying anything in the XXXX message box. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX. I have missed a payment in XX/XX/2018 and was 30 days past due but now current. I applied numerous times for a loan modification to get loss mitigation assistance but did not get any help. Chase only gave me a loan forbearance option. I am XXXX XXXX XXXX and have an issue with refinancing since my DTI is too high because of excessive debt so I get declined every time and my credit score is too low at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted all 3 credit bureaus numerous of times to get items that are not mine to be removed and they refused to investigate them accurately and delete them the accounts that are not mine and need to be removed are : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and unknown collection. I ve supplied ID Theft Affavaid, police report and constant dispute letters I have sent out letters on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XXXX, XX/XX/2019 they keep asking for identification documents I have submitted my ID, Electric Bill, Bank Statement, Social Security Card and Red Light Volition. Submitted them everything and they keep asking for more information and not processing disputes.
Product: Credit reporting or other personal consumer reports

I have contacted TransUnion on XXXX occasions since XX/XX/2024 to obtain copies of my credit report. Once through XXXX, and XXXX  through calling Transunion directly by phone. In the most recent call to the company, the representative requested my phone number in the event the call was disconnected. The call was disconnected and the representative did not call me back. Transunion has sent letters to my home in other names indicating that they are unable to locate my file. It is imperative that I receive a copy of my credit report to address matters related to identity theft.
Product: Credit reporting or other personal consumer reports

I have submitted several disputes to all 3 major credit reporting bureaus ( XXXXTransUnion ) in regards to this XXXX XXXX XXXX  account and the numerous discrepancies and inconsistencies reported on this account by all 3 bureaus. I have requested verification and validity of this alleged debt from the 3 bureaus and the collection agency directly. I keep getting notifications from all three bureaus stating that the information on this collection has been " verified '' and is " accurate '' when you blatantly see the inconsistent and inaccurate items being reported on this account that I will detail. First and foremost, XXXX is currently reporting this account as OPEN! and 120 days PAST DUE, on a collection account! XXXX is also reporting a date of last payment! I have NEVER made any payment on this account as I deny it is mine. a collection is by DEFAULT late and past due. The sole fact that this collection is reporting 120 days late and open is a complete error and FCRA violation. Furthermore, TransUnion is also reporting this collection as an OPEN account. Lastly, XXXX is reporting date of last activity as XX/XX/XXXX. TransUnion is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. Pursuant to the FCRA I am entitled to fair and 100 % accurate reporting. These egregious errors are ruining my life and the fact that the bureaus failed to acknowledge or rectify these reporting errors and verified them as accurate is astonishing to me and I demand relief.
Product: Student loan

I continually receive calls from Navient Student Loans about an outstanding student loan. The latest calls were received onXX/XX/XXXX ( 1 ) andXX/XX/XXXX ( 2 ). The numbers the calls came from our XXXX and XXXX XXXX. I had informed the CSR on XX/XX/XXXX that I have no outstanding loans and I have no idea why they would be calling me. She stated that she would make a notation in the system, however, my phone number was listed on a loan. When I asked the CSR who had the loan with my phone number on it she would not give me the name of the person. On XX/XX/XXXX I received two calls within two hours of one another. Again, I informed the CSR that I have no loans and again they said they would make a notation in the system. Again, the CRS stated that my phone number was listed on the loan and again she would not give me the name of the person. I am XXXX years old and my student loan has been paid off for years. I would like the calls to stop and would like to know for my credit purposes who is the person that has my phone number on their loan??.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX - Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

After reviewing my consumer report I noticed a suspicious account and I need the account to be validated. According to 15 U.S. Code 1692 ( a ) " There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. " So, I need this alleged debt that is on my consumer report to validated.
Product: Debt collection

This debt was already resolved and removed off my credit report I do not owe this debt by law they are harassing me this company every month they are keep trying to collect the debt and it was resolved and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I have requested multiple times for verification of the said account which is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation as this inaccurate account is being reported in my credit records and is hurting my financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : Amounts : Action : Sent certified mail and notarize disputes and FTC Fraud affidavit and still reporting inaccuracy and did not prove how they verified.
Product: Debt collection

I had a family issue that caused me to take custody of my nephews in XX/XX/XXXX. It had placed a financial burden on my family as I couldnt work due to their needs. This caused me to miss payments, etc. I was going to file for bankruptcy but decided to try to negotiate settlements with the card companies. I couldnt get a settlement with XXXX and then XXXX XXXX bought the debt. They sued me through Apothaker Scian. I set up a payment plan and everything was going well until XX/XX/XXXX when XXXX erroneously charged me twice. While this happened, it caused my payment to be returned to Apothaker Scian and I didnt realize this had happened. Honestly I deposit enough for the bills and then have everything set up automatically so I dont check the account as often as I should. Apothaker Scian said they notified me by mail that the payment was returned but I never received any communication from them. Maybe lost in the mail?!? However, they never tried to resubmit the payment or tried pulling funds for any subsequent payments that I had preauthorized. They have no frozen my bank account and have caused more damage ( missed daycare payment, insurance payment, late fees, etc ) all over a relatively small amount owed. Especially during a pandemic ( we maybe coming out of it now? ) when everything is rising and things are already tough for many people.