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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! I've talked to the banks and they've agreed to correct the accounts but TransUnion has some internal block that they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the numerous complaints and letters, they claim they have an internal policy ( which is OUTSIDE FCRA laws ) So TransUnionfeels they're above the letter of the law and will not explain their policy. The accounts that should be adjusted are as follow : XXXX Bank XXXX, XXXX XXXX  Card XXXX, XXXX Bank XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently a new account appeared on my credit report under XXXX/DEPT OF ED. I have never had student loans in my life, so the loan has been fraudulently tied to my personal credit health. The Accounts look to be opened on XX/XX/XXXX and are in good payment standing. There are currently XXXX loans tied to my SSN, one of which was added as recently as XXXX XXXX as that was the last time I checked my credit health and at that time there were XXXX loans opened under XXXXDEPT OF ED. The current outstanding loan balance is and as of XXXX. The total loan amounts are : {$6100.00} ; {$6000.00} ; {$3500.00}. I've disputed this claim with XXXX XXXX as of XX/XX/XXXX and today XX/XX/XXXX with XXXX and will continue with the other credit monitoring services today. I will also be filing an FTC report and police report. Please resolve this error asap.
Product: Debt collection

I work as an XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) for the federal government in the XXXX area. I am a XXXX  XXXX XXXX XXXX who served in the XXXX for 23 years. I have resided in XXXX  state since XX/XX/XXXX, but took a job with the federal government in XXXX in XX/XX/XXXX, but transferred to XXXX, XXXX in XX/XX/XXXX-XX/XX/XXXX, where I would go back and forth from my residence in XXXX to my apartment in XXXX. My family stayed in XXXX due to my daughter being in middle school and my long term girlfriend working in the XXXX XXXX felt the move for them would not be beneficial for the family. So, in XX/XX/XXXX, I was contacted by Convergent Outsourcing, Inc indicating I had a unsettled debt with a cable company called XXXX. I told them I have never heard of them and they asked what my date of birth was. I didn't tell them the year but just gave the month and day. The representative indicated the information they had was a match. I adamantly told them they had the wrong person but the debt collection agency insisted the debt was mine. I wasn't overly concerned because I knew I had never lived in NY where the debt was initiated, but when the information affected my credit score is when I filed a complaint with the FTC and forwarded both XXXX and Convergent my identity theft report and letter asking them to desist from collecting this debt from me. I even forwarded a copy of my drivers license believing the agencies would be intelligent enough to determine the debt was not mine. Today ( XX/XX/XXXX ), I received a letter from Convergent Outsourcing, Inc indicating after their investigation they have concluded the debt is valid and I owed it. Initially, I thought how stupid are these people? What investigative systems are they using because there is no way this debt is mine. Nor will I pay for something that does not belong to me. Furthermore, I have never ever ever lived in NY or NJ ( the debt apparently occurred in XXXX, NJ ) nor have I ever opened a cable account with XXXX. A simple credit check will show I have lived in XXXX state and XXXX since XXXX. Their investigative process is definitely rudimentary and antiquated. A simple credit check would obviously show I have never lived in that location. I am frustrated and angry that they would continually insist I owe them XXXX.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Experian continue to report an address in XXXX XXXX Michigan where I have never lived. A person with the same name XXXX XXXX XXXX received a speeding ticket in XX/XX/XXXX on the Ohio XXXX which was settled according to XXXX County Court records, and discharged in XX/XX/XXXX with a note from the Judge not to use in subsequent reporting. I contacted a Lt in XXXX XXXX Michigan to advise that I have never lived in XXXX XXXX or anywhere in Michigan. Experian has been advised of same. I have lived in the City of XXXX, Illinois for 65 years. This inaccurate data has been disputed with Experian with documents from XXXX County Court in Ohio, and yet it reports this as a part of credit monitoring. Most recent reporting as of XX/XX/XXXX.
Product: Debt collection

IQ DATA INTERNATIONAL IN, XXXX XXXX XXXX, XXXX WA XXXX, XXXX seeks to collect on a debt that is not mine and to which I dispute. They have illegal made credit report entries without the legal authority to do so. Their reporting is inaccurate, incomplete and unlawful, as is there debt collection on the subject matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I paid {$440.00} to XXXX for XXXX XXXX   Systems for a delinquent account. Per XXXX XXXX the last 4 numbers of the original account is XXXX. I called to ask XXXX XXXX when would they be deleting the account on the 3 bureaus since their website says they will stop reporting and delete the trade line if its paid in full and more than 2 years delinquent. XXXX XXXX said they do not own the account. Please see supporting documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached document! THIS IS NOT A DUPLICATE ; THIS IS IN RESPONSE TO MAIL THAT I JUST RECEIVED FROM THEM BASED ON MY RECENT COMPLAINT. Equifax ignored CLEAR VIOLATIONS that I not only outlined in my other complaint, but that I also PROVIDED TONS OF SUPPORTING DOCUMENTATION FOR!!! They are wasting my time using automated robots to do my disputes instead of having a human being actually pay attention to my disputes! I just got mail a day ago talking about the disputed accounts are 'verified ' and 'updated ' DESPITE THEIR INCORRECT INFO AND VIOLATIONS. For example : accounts reporting OPEN AND CLOSED, CONFLICTING DATES, CONFLICTING INFO in other categories, RE-AGED ACCOUNTS, and more!!! My ID & SS card are included.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the information accuracy with the credit bureaus in regards to the accounts that are being furnished from XXXX XXXX Bank. I received notice from XXXX XXXX Bank and XXXX, Equifax, and XXXX that the information was indeed accurate. 

I recently received a notice electronically that shows the information is still inaccurate and I'm now challenging the validity of the debt in question, since I have never lived in the state of New York. The notice is addressed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681s-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am personally submitting this complaint regarding late payment entries on my credit record. Upon reviewing my files, I discovered these late payment notations. Despite sending correspondence about this issue more than XXXX days ago, I have received no response, nor has satisfactory validation been provided. I request your help in addressing and resolving this matter swiftly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

One main was disputed by all credit bureaus in the month of XXXX. A letter of debt validation was never received in response to any of the disputes. The account was removed from XXXX report ( I have provided the screen shot displaying this information ) but came back verified on XXXX ( I am also attaching the documentation from Experian showing verified status as of XX/XX/XXXX. On XX/XX/XXXX the company One main reached out to me in the form of a letter ( attaching a copy of that as well ) not to provide documentation or any contractual agreements for this alleged debt but a letter willing to reduce the debt amount significantly up to 90 % in hopes that I would contact them and settle and I did not. The letter stated this was the 'Final Opportunity '' and that I had to respond before XX/XX/XXXX. On today XX/XX/XXXX my XXXX credit score took a 96 point  decrease which is detrimental making it very difficult almost impossible to acquire credit especially when you were looking to buy a house in the next couple of months due the account jumping from a closed status to open without my knowledge or any documentation in writing saying an account that has been closed since XX/XX/XXXXis now open and not only open but has a missed payment causing my payment history to decrease from 100 % to 96 % and my credit age history to drop because it is now factoring this account. I have attached screenshots for all this information. I need this information reviewed and corrected and removed immediately. I am beyond upset and frustrated the amount of ways and things a company go about affecting a consumer 's everyday life.
Product: Credit reporting, credit repair services, or other personal consumer reports

File dispute on XXXX XXXX XXXX  account And XXXX XXXX  after 5 days they closed dispute with verified accounts and remain Theres no way either account could of been properly verified as mine
Product: Credit reporting or other personal consumer reports

I submitted a request to Equifax, XXXX, and XXXX for all of my personal information to be corrected and updated. My full name is XXXX XXXX XXXX born XXXX XXXX. This is the only name that I ever went by with the exact date of birth.If there are any other names or date of births listed on my report I ask for it to be removed immediately. My only and current address is XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. Any other addresses listed on my credit report I do not reside and they arent mine. I ask for all bureaus to please remove every or all addresses that arent mine be removed immediately. Lastly, my social security number should end with XXXX. Any other social numbers listed I ask for it to please be removed immediately. Once all of my information is updated, I request an updated copy from all three bureaus, of my report to be mailed to my current and only address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Early warning services a letter to remove the incorrect information on my Ews report on XX/XX/2022 and I have not received a response and it has been well over 30 days since I have not received any response from Early warning services.
Product: Debt collection

I submitted this complaint back on XX/XX/2018 complaint # XXXX Which was a follow up complaint. XXXX wrote back that they fixed the debt and released it from collections. They have done this twice. 

The account was transferred to the FTC and upon calling today is an additional dispute case open XXXX. 

Back in XX/XX/2018, After a lengthy numerous phone calls, XXXX promised that I would not have to pay a termination fee as we discussed with the representative since I was in a car accident and wanted to cancel service. 

That termination fee keeps popping up as a debt owed. It is not. 

They have relieved and resubmitted this debt many times, its frustrating. The last we spoke I cancelled out the account at XXXX. Now I have frivolous charges and predatory collection companies placing derogatory remarks on my credit, a violation of the fair credit reporting act. 

IC Systems has never had a contract with me and Is reporting the debt as owed, when XXXX relieved it long ago. IC systems is in violation of the fair credit reporting act and also has no fair way of communication when I call in. Predatory company seeking financial gain from innocent consumers.
Product: Credit card

There was some fraudulent activity in 2 of my accounts and they closed my accounts before even attempting to replace the card with new numbers or anything first, i was never advised on why or when they closed the accounts. I ended up finding out when i called to make a fraud claim after i noticed the charges on my account and i was told the closed my account due to the activity or something i still don't really understand the reasoning it doesn't make sense but i informed them that my identity was stolen and this activity was not authorized by me neither payments that were made or the charges. After the fraud claim was made I asked to get my accounts reopened and i was transferred to the department that closed the accounts where I told them everything that had happened and they told me the accounts couldn't be reopen at the time to wait until the fraud claim was resolved and then i could call back and get the accounts reopen. I did exactly this and call them when the claim was resolved around 3months later and then they still did not want to open the accounts and basically told me I was lying and no one ever told me that my account could get reopen when i had multiple associates tell me this and I informed them of this but they didn't want to believe and said even if it was true that its had already been past 3 months so the accounts couldn't get reopen anyways cuz its too late. This is ridiculous they should be embarrassed of how horrible they agents are and how contradicting everything they say is, always spreading misinformation and not doing their jobs right.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry XXXX XX/XX/2020 XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX Late Payment XXXX XXXX # XXXX XXXX Category XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We had sent a request for hardship to the district office that we were under the understanding was approved. We had a daughter that went through XXXX to save her XXXX. It was a time we had to move back in with family immediately. The company did not say or send us any documentation showing we had outstanding debt as the location was rented right away by a couple we sent in to the office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE
Product: Credit card

I have no knowledge of this these fraudulent accounts. These accounts are a result of identity theft. I did not physically open these accounts in person at a branch nor did I open these accounts online with the bank. I am a victim of identity theft. These credit card accounts were open without my consent. There was also bank accounts opened in my name using my information obtained from a breach or other sources thieves use to obtain personal information and used to make payments on these accounts. Please remove these accounts from my Experian credit report. I have attached dispute letters along with an FTC identity theft report. & Police report.
Product: Debt collection

This account has been sold to a third party collector : THE BUREAUS ( Original Creditor : 01 COMENITY CAPITAL BANK ) You are in violation of the FDCPA. This account is being disputed. It shows marked as 'consumer disputes ', yet you still report it to my credit report. 

Collection efforts by your company should cease including reporting this account to my credit report. I will now work with The Bureaus.
Product: Debt collection

XX/XX/2021 I applied for credit at XXXX XXXX XXXX and I was denied. I inquired with sales rep as to why or if there was any statement. He gave me the slip and said I'd here from a Synchrony Bank. 

I received a letter 2 weeks later stating the reason I was denied credit was due to previous unsatisfactory account. 

I was floored as I didn't have a number to call only an address on the letter. However I started referencing every synchrony number until I was able to find out there was an account with a Care Credit that had been fraudulently established. 

I had to contact synchrony ASAP so I then faxed over the documentation ( FTC Report and Police Report ) explained to them what had transpired and this was one of several fraudulently established accounts. 

I requested it to be removed as I've since provisioned severed protocols of protection on all XXXX CRA 's with security freezes and security alerts. 

I proceeded to request in receiving the documents to verify that consideration be taken and that Synchrony Bank would not prohibit me the real ( XXXX XXXX ) from establishing accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously reported this company to XXXX and called XXXX directly. Issue was never resolved after years of trying and sent a letter from XXXX showing I was never late but they decided to fraudulently add the same notes saying my payment was late when it was in fact never late. The vehicle was totaled out and paid off. Next time this happens I will take legal action against company for discrimination they consistently attempt to ruin my credit as a XXXX  person.
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 Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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.