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

XXXX and XXXX XXXX XXXX  are using my incorrect information on their credit reports, as well as addresses I have disputed, and they have lied, committed forgery, fraud, and violated the FCRA and Trafficking Victim laws, as well violating my XXXX amendment right against cruel and unusual punishment, by allowing the name I was trafficked under to be used on my reports, and continue to deny the removal of fraudulent accounts, even though no law will enable them to keep fraudulent accounts on a credit profile, further showing what pathetic pieces of XXXX, XXXX truly is. They have also allowed the fraudulent addresses to remain on my report and have knowingly committed fraud.
Product: Debt collection

XXXX offered to settle an account then refused when I didnt have a secondary phone #. Also RUDE and SARCASTIC Supervisor. I called Hunter Warfield regarding an alleged debt to ask if there was a possibility of removing from my credit report with full payment or settlement. The representative said that it can not be removed but she would certainly offer me a settlement of less than the full balance. When I asked what was the lowest amount she would accept she said there were some questions. I verified my name, address, and ONLY phone #. She asked for a secondary # to which I replied I did not have a home phone # and my place of employment didnt allow personal calls. She told me that without another phone # to put on the file she would not offer me a settlement. I told her I didnt understand that policy because I was prepared to close the account that day. She asked me for a friend of family members number and I asked why if she had a confirmed phone # for me. Calling a XXXX party when they have a good phone number for me would be an FDCPA violation. She said sorry. I asked to speak to a Supervisor. Supervisor got on the line and reiterated that they could settle the account. I said, Great! How much can you save me today to take care of it?? He said : I just need to updat the file with another phone #? I again told him that I only had XXXX number, that they had permission to call me on my cell manually but not by an auto dialer. I told himt here was no other # I could give him. He sarcastically said : When you pick up your cell phone and click on contacts you mean to tell me it 's empty?? I again asked why having a freinds phone # was so important and that having and using a XXXX party phone # would be an FDCPA violation. He said : " Fine pay the balance in full then. '' I asked him if it was normal practice to offer settlements to people who have XXXX phone # 's but not people with XXXX?? Doesnt that seem like discrimination? He said I can pay the balance in full if I do n't like it. We ended the call with me asking them to call back when they would like to offer me the settlement they first spoke of. He hung up. XXXX hour later the XXXX representative called me again and said : " what 's up with the account? '' Sarcastic and unprofessional. I asked if she was going to offer me the settlement figure and she said she needs a XXXX #. We ended the call the same way with me saying that I would gladly discuss with them when they were ready to call back and offer a settlement. 

I do not understand their arbitrary practices of offering a settlement not do I understand their need for an alternate phone # for a friend or family memeber when they have a good contact number for me.
Product: Money transfer, virtual currency, or money service

Can not connect with XXXX app I believe they use XXXX.
Product: Credit card or prepaid card

I found on my credit report during the XXXX in XXXX, that my Discover credit card was closed. I called Discover customer service today ( XX/XX/XXXX ) and learned that it was closed due to inactivity, at around end of XX/XX/XXXX. However, I didn't receive any notice about the inactivity and their intention to close my account. 

This is my oldest credit card account and has a major contribution to my credit history. Discover closing my account without giving me notice is severely hurting my credit score. 

I have been current on all payments for the history of using this card, and I'm frustrated about them closing my account even having being a loyal customer.
Product: Debt collection

XXXX XXXX has contacted my personal phone, and my employers phone 6 to 7 times a day each. it has been asked on numerous times not to call my employer because I can not receive personal phone calls at work. a gentleman on the phone that calls is using abusive language, arrogant and demanding information from both my employer and is discussing what the debt is
Product: Credit reporting

I disputed a collection account and received a letter dated XXXX/XXXX/2016 stating that the record would be deleted from all credit files. I just noticed that after deletion the trade line has been added back to my XXXX report. Please see letter attached. 
ALSO Equifax has my name listed as XXXX XXXX XXXX. That is not my name.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  xxxxxxxxxxxx XXXX, Account name : XXXX XXXX xxxxxxxxxxxx XXXX, Account name : XXXX DEPARTMENT OF EDUCATION XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXXXXXX XXXX XXXX. Account name : XXXX XXXX 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: Credit card

Begining around XXXX, XXXX Chase Bank begin sending email notifications to my ex husband regarding my accounts. Now in all fairness, he was paying a credit card that was in my name but during the divorce he agreed to pay it. For nearly three years, this was never a problem then all of a sudden he got an email when I paid my mother 's credit card form her checking account. Now, their theory was my social security number was associated with my mother 's checking account and the credit card he was paying. However, his Chase profile was giving him the option of using my mother 's checking account to pay his bill. Finally in XXXX, XXXX, he paid the credit card off and removed his user id. We were then able to remove his email completely and for a few weeks everything seemed find. Now all of a sudden he is getting promotion emails from Chase documenting my credit card ending in XXXX. His name/id/social was never connected to this card. I feel Chase has been violating mine and my mother 's privacy and Chase will not give me an answer as to why this is continuing to happen or why after three years this became an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed incorrect information being reported on my credit report by XXXX XXXX, which your company advised is not in your system and could not help me with them. However instead of Transunion performing a complete and accurate investigation, they replied in a couple of days the information was verified as accurate and did not fix the issue. Then, they allowed XXXX  XXXX to report negative information on my account after I had already paid the account off. This information they recently reported on XX/XX/XXXX was never once reported on my credit report by XXXX XXXX prior to my dispute for them to fix the error they were reporting.I did not even complain about the fact I was told the account would be removed once I paid it off, I was trying to have the inaccurate information removed. I believe this was reported by XXXX XXXX as a retaliatory report, and Transunion has not done anything to prohibit this malicious act. I have contacted Transunion 3 times since this change appeared on my credit report, the last contact with them being on XX/XX/XXXX. I have been told three different things by their representatives. First I was told there was no change on my report, then I was told there was an update but that it does not matter because the account is scheduled to be removed in XX/XX/XXXX and then I was told yesterday ( XX/XX/XXXX ) that the report was changed on XX/XX/XXXX and that it does not show a charge off/collection. The representative was rude and did not listen to my information. She just rushed me off the telephone. I was extremely bothered by this because the information XXXX XXXX should not have been allowed to report, as they were reporting inaccurate information and this account should have been deleted, has decreased my credit score and has caused issues with me receiving credit even though I had completely paid the account off in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On Saturday XXXX XX/XX/XXXX, I was notified that my credit score had dropped from XXXX to XXXX. I started checking to see what has happened and found a line of credit on my credit report that did not belong to me. That had made payments up until XX/XX/XXXX, and then stopped making payments. This loan is with a bank that I have never heard of, the Bank is One Citizens Bank Way in RI. Someone unknown to me has evidently opened an account in my name.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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
Product: Debt collection

I was contacted by phone, when I returned call to XXXX XXXX ext XXXX. She stated it was a debt for XXXX XXXX XXXX, I stated we just paid {$67.00} towards it and owe XXXX XXXX dollars, could I have information about this debt? XXXX the stated " Well XXXX we 'll just ruin your credit! '' then she hung up me. 
I am a XXXX year old XXXX and this is n't my first medical bill. 
These people should be ashamed and not allowed to harass people, what if I was elderly, and she talked to me this way? 
This company needs to be reprimanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had problems with Equifax since 2019. Equifax finally, has added my information back the information is old and not updating. I have already called the creditors and they have reported to all 3 credit bureaus but Equifax has not updated my file. It seems to be stuck in time compared to my XXXX and XXXX are not updating it. The only thing that is changing back and forth is my utilization and I don't know why it is doing that if my credit report is not updating going on 3 months. I have tried to apply for loans and the creditor is saying that my Equifax file has a security freeze hen there is not a security freeze and I have verified this with Equifax. I believe there I a problem with my file and that it may be a duplicate file with 2 addresses? I only can verify through Equifax under my old address when I have updated my file and it shows with my new address. Equifax is one the WORST companies I have ever dealt with and they hold people person information it is just unbelievable how long I have been trying to get my file. I can't even get my file verified to get a loan which is a hindrance to no fault of my own. Not even a pre-approval for a mortgage because I am at the mercy of the incompetent mega-corporation that hire idiots to run it. I need to be fixed
Product: Debt collection

I am a victim of identity theft. I have previously informed XXXX that I have never done business with them. XXXX XXXX  removed the account from my credit file and now XXXX XXXX has sold an account in my name to JEFFERSON CAPITAL SYSTEMS. The XXXX XXXX account was opened as a result of this identity theft. I am attaching letters from other companies regarding my identity theft issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance : {$20000.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, all of my student loan accounts with the US Department of Education have been in forbearance. The forbearance was granted by the US Department of Education Borrowers Defense program. Since XXXX of XXXX, I have been disputing incorrect information reported on these accounts. After each dispute, I would receive a letter stating the account was verified as accurate despite my sending in proof that they were not accurate. They are currently showing that I am in collections and they were not reporting the monthly payments I made on the account from XX/XX/XXXX thru XX/XX/XXXX. I also entered into an income-based repayment plan to satisfy my mortgage lender. The US Department of Education ended up refunding my $ XXXX monthly payments since the accounts were in forbearance and they were not supposed to collect payments.
Product: Money transfer, virtual currency, or money service

Cash app closed my account and removed me as a sponsor fr my kids account and I dont understand why. Nobody will provide information
Product: Checking or savings account

There was XXXX $ taken out my account on XXXX of XXXX and when I called to explain. I did not send the money nor do I use that account for anything else but emergencies. They said its already sent and I will not be able to get a refund nor stop the transaction. It was money lost that I worked hard for and they just said. Im sorry but its sent we do not refund. Is there anything else we can do? Obviously if I can not get my money back there really isnt anything that they can do.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX and Experian for inaccuracies in the reporting of my XXXX XXXX account ( Account # XXXX ). The payment history and other account details on my credit report contain several inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The payment history for XXXX reflects consistent 120-day late payments from XX/XX/XXXX to XX/XX/XXXX, which is impossible given the account was charged off as of XX/XX/XXXX. Experian reflects payments that transitioned from 120 days late in XX/XX/XXXX to 60 days late in XX/XX/XXXX. This regression of lateness is illogical and inaccurate. The account is marked as " Charged Off as Bad Debt '' as of XX/XX/XXXX, yet XXXX and Experian report active delinquency afterward, which contradicts the account being written off. XXXX lists the " Date Last Active '' as XX/XX/XXXX, while Experian has XX/XX/XXXX. These dates should be consistent. The " Date of Last Payment '' is recorded as XX/XX/XXXX, which conflicts with the delinquent payment history reported in XXXX. XXXX has no reporting for this account, further highlighting a lack of uniformity across the credit bureaus. These reporting errors are not only misleading but are detrimental to my credit score. Under the FCRA, credit reporting agencies are required to ensure that the information they report is accurate and verifiable. The discrepancies in the payment history, account activity dates, and charge-off status demonstrate a failure to meet this standard.
Product: Credit reporting or other personal consumer reports

The documents listed below are accounts that are not mines. Along with the inquiries that were not made by me. Also, The Payments that are been reported as late on my credit report is inaccurate and i would like for that to be fixed. I'm asking that the accounts & inquires that are listed on my report to be investigated and removed because they were not authorized by me. Please be sure to erase all fraudulent accounts from my report immediately.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX Balance Owed : {$7900.00} ; XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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. 

XXXX
Product: Credit reporting or other personal consumer reports

Experian and XXXX continue to report a bankruptcy that has not been verified as accurate further more I have exclusive equitable interest in my intellectual property such as my name and any financial assets being used as negotiable instruments. Since Experian and XXXX are for profit financial institutions using my information to sell this is a violation of my copyrighted property.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about some erroneous accounts in my report. You must correct these accounts that were opened without my knowledge, consent, or authority within XXXX business days.These accounts are damaging my file and needs to be updated. 

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

This company will put a collection claim on a credit bureau. When I have it removed, they will put it back on and re-age it so it stays on the report for XXXX more years. This is illegal. They will not tell me what company they are trying to collect for, either. They refuse to answer any questions, in fact, except to say I need to pay. They are a scam.
Product: Debt collection

I never received any written notification to dispute the validity of this debt and this company violated the fair credit reporting act by not allowing me the opportunity to dispute the validity of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, i'm writing today to seek assistance in getting a response from the bureaus about a few accounts im not familiar with and have sent multiple letters to get complete documentation on where they are coming from I sent letters on XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 accounts im concerned about XXXX & XXXX XXXX XXXX XXXX Please if someone can assist me with this i've been trying for months with no response
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you