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

On XX/XX/2020 I sent a 3rd party debt validation letter to Midland Credit Management requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt has a fraudulent charge amount associated with the account. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Midland Credit Management has failed to validate this alleged debt in the allotted ( 30 ) day time frame pursuant to 15 U.S.C 1681 ( g ) ( d ). They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C section 1681b.
Product: Debt collection

My husband and I were in the process of moving back to XXXX XXXX XXXX XXXXXXXX because my husband XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX at the time during this transition and was XXXX XXXX XXXX XXXX within a month and a half of moving back. We were told that his XXXX would still be valid until his XXXX  was completed. After my son was born at XXXX XXXX XXXX XXXX, we were informed that the XXXX ended XXXX  days before my XXXX XXXX which gave me no time to find new insurance. My job had not gone through open enrollment yet and my husband was XXXX. We were living off our savings and my income until XXXX XXXX XXXX XXXX XXXX months later. We received the first bill of {$7000.00} on XX/XX/year>. The second bill was on XX/XX/year> for {$11000.00}. The XXXX bill came from a collection agency ( XXXX XXXX XXXX, XXXX ) which was on XX/XX/year> for {$15000.00}. That is almost double to original amount. They are now calling us every week and hassling us and that are extremely rude and pushy. We asked if we could possibly come to a settlement amount but that said that isnt an option. I would like information on how we can dispute this.
Product: Credit reporting or other personal consumer reports

I have noticed XXXX hard credit inquiries in my Transunion credit report withing last XXXX years which I am not aware off or I authorize. 

I have made several request to Transunion to remove these inquiries but I never received any feedback from Transunion. 

I might be a victim of identity theft.
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 XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account 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 account information below : XXXX XXXX XXXX
Product: Credit card or prepaid card

Initially my home care card credit limit was dramatically reduced causing my score to plumint approx. 28 points. I made a huge payment to the balance owed making the card usage around 33 %. When they reduced the limit it took the card to over 90 % usage which dropped my score. 

I received an alert on my credit this week that they have decided to close the above mentioned care swell as my car care credit card making my credit drop another 36 points. In total my credit has suffered over a 60 point drop at the hands of this creditor. How is anyone supposed to improve themselves and their financial standing if the creditors are aloud to make changes that negatively impact scores. Especially since I have not missed a payment with this creditor or any creditor to warrant such actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my Consumer Report account, and I would like to unfreeze my Consumer Report but I can't get in contact with anyone at XXXX
Product: Credit card or prepaid card

My wife and I have had a XXXX XXXX / XXXX XXXX since @ XX/XX/XXXX. We were told that we had a rewards program, which is why we chose this card, that would build earnings toward the purchase of a new XXXX vehicle. Every month, on our statement, the earning total is printed. We have been watching this grow since @ XX/XX/XXXX. On our last XXXX XXXX XXXX XXXX XXXX Account statement we had {$10000.00} in earnings. We are senior citizens on a fixed income and were looking forward to buying our LAST new car. We went to our local XXXX dealer with the expectation of cashing in our earnings from the last 15 years. Even though our earnings were printed on our statements for the last 15 years, which we have, the dealer and XXXX XXXX / XXXX told us we can get only {$1000.00}. ( XXXX XXXX ) toward a new car. This is wrong. This is fraud. They tell us on every months statement that we have $ XXXX, but in fact, they tell us we can use only XXXX. This is WRONG! Please help us. In addition, please change the rules so that people like us will not be taken advantage of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT # XXXX SHOULD NOT BE ON MY CREDIT REPORT. THE FDCPA SECTION 807 ( 14 ) STATES THAT XXXX XXXX XXXX CAN NOT USE XXXX XXXX COMPANY NAME TO COLLECT A DEBT ALSO THE PAYMENT HISTORY ON THIS ACCOUNT IS ANOTHER VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card was opened in my name on XX/XX/2023 I did not authorize to open. The credit card was opened under comenity bank ( XXXX ) a bread financial company. I had spoken to the credit card company and they have flagged the account and closed it. I additionally spoke with the fraud department at XXXX credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization and I noticed unauthorized and fraudulent credit inquiries had been made. I contacted the sources who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate these inquiries on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report at the address listed above.If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. The inquiries are as follow : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XX/XX/XXXX
Product: Debt collection

the debt in question was incurred under the duress due to XXXX 's billing tacticts. I was covered under insurance and prohealth was made aware of the coverage but they informed that they did no participat with my insurance company less than XXXX hours before the performance of my surgery.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a copy of my TransUnion credit report and I noticed an auto loan account being reported as a collection account by XXXX XXXX XXXX. Specifically, a XXXX XXXX XXXX. 

Therefore, I contacted the creditor XXXX XXXX XXXX by phone for additional information regarding the status of the account. However, the customer service department was unable to locate any account with my information in their system. I explained to the representative that I reviewed my TransUnion credit report and the auto loan was being reported as a delinquent account in collections by their financial institution. I also explained to the representative that the automobile was stolen in XXXX XXXX XXXX and the account balance was paid in full by my auto insurance at the time. The claim was settled directly with the XXXX loan department. 

Unfortunately, because the customer service representative was unable to locate any account in their system, they were unable to provide with any additional information and documentation that the account was settled. It was recommended for me to contact XXXX XXXX XXXX by mail. 

On XX/XX/XXXX, I drafted a letter to XXXX XXXX XXXX and TransUnion Credit Bureau which is reporting the delinquent/negative account. I sent the letters via USPS mail on XX/XX/XXXX and have not received a response in writing and/or via telephone.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I have attempted to sent letters XXXX XXXX XXXX XXXX about inquires on my credit report that I did not do. I have also called and did what was requested by them several times. They told me there is nothing they can do about it and to reach out to the companies that have appeared on my credit report. I also explained to them that my wallet was stolen and that I have had several fraudulent credit cards and inquiries on my report but still nothing was done. Therefore, I have no choice to reach out to get this matter resolved. I am asking to have them remove as there impacting my credit profile.
Product: Debt collection

i have been fighting this charge since XXXX of XXXX on XXXX I sent another letter to the original debt company asking to verify that this is mine. They keep selling to different collection agencies saying failure to pay every month so they can keep this updated on my account ( they are re aging my account every month ) and they are failing to verify this collection. the fact of matter is my last payment last payment to the ORIGINAL creditor was paid XX/XX/XXXX. I was told this is a violation of the law.
Product: Debt collection

Called my sister and my mother through a autodialer and left and left a unclear message. Did n't state the name of the company but stated they are going to file charges against me with the county. They called my sisters cell phone number and my mom 's land line in which I have never ever ever use them for any credit references. I left a message to revolk any consent to call anyone.
Product: Mortgage

My husband is a documented, XXXX veteran, retired from the XXXX. 
In XXXX, XXXX, we purchased a home in Texas where the law grants a 100 % exemption of property tax for 100 % XXXX veterans. 
Since the end of XXXX, XXXX, I have been talking with my mortgage company and sending them documents as requested, to try to get the property tax payment removed from our monthly mortgage payment. I 've also contacted my local tax office as they requested. 
From XXXX XXXX up to the present, the mortgage company has been charging us over {$500.00} per month for escrow payment for property tax. The payment still has not been adjusted and remains the same for XXXX XXXX, XXXX. 
This should have been corrected months ago, and I do n't know what else to do to get them to change it. I 've talked with them about this at least 6 or 8 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to All credit bureaus some have refused my request to dispute the unauthorized inquiries on my credit profile. 
I have asked them to investigate. 
Transunion employees told me they don't investigate disputes, They told me I have to reach out to the creditor to obtain a letter of deletion. After reaching out to the creditors they told me I have to call the credit bureaus and request a dispute. So I recontacted the Credit Bureaus and attempted to get them to honor my request to check out the unauthorized inquiries. They continue to give me the runaround and hanging up in my face 3 times. 

XXXX started off giving me a run around for my request. Telling me to reach out the creditor. By telling them I already have done this and a threat of contacting CFPB they open disputes. But when I go to the dispute center in XXXX it seems as if they doubled up on disputes and missed out on a couple of disputes in the date range of XX/XX/2017 to XX/XX/2017. 

XXXX has also given me the run around still waiting on a call back for them to finish addressing this issue with the Inquires ... 

I want is for these credit bureaus to do is follow the law validate these unauthorized inquiries and show me documentation of there validation. A binding contract, Copy of Id, Application, Authorization to pull credit ...
Product: Credit reporting or other personal consumer reports

I've consistently paid on time for this account, and it's disheartening to face issues for something I haven't done. Please rectify my account urgently and remove any incorrect information that's causing me undue stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Checking or savings account

My Credit Karma Money spend account is frozen since XXXX XXXX. I have tried repeatedly to resolve this situation by Verifying my account by submitting a copy of My driver 's license and a selfie. They keep giving me the run around and not unfreezing my account .. the money in my account is my tax returns and only have this account as the IRS recommended credit karma money spend. 

All I did was update my banking information and they froze. It
Product: Student loan

I submitted my request for the REPAYE program on XX/XX/2016. As of XX/XX/2016, my loan servicer FedLoan Servicing still has not put me on the REPAYE program. On XX/XX/2016, I filed CFPB complaint number XXXX. On XX/XX/2016, FedLoan responded to CFPB and said that it would put me in {$5.00} reduced payment forebearance and then place me in the REPAYE program after it received my payment. I made the {$5.00} payment on XX/XX/2016. FedLoan then sent me a bill dated XX/XX/2016 for {$920.00}. For comparison, my previous payment under IBR was {$26.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contested an account that is in collection with XXXX XXXX XXXX / XXXX XXXX. This account had been removed from my credit history a few years ago because I returned all equipment requested by XXXX XXXX XXXX / XXXX XXXX when I cancelled my service with them. Several months after returning the equipment, my account was placed in collection the first time. This was probably in XXXX. I contested the error as soon as I discovered it and the erroneous information was removed from my account. 

I recently discovered that this information appeared on my credit report again in XX/XX/XXXX and contested it again with Transunion. Since it had been removed once before, I assumed it would be a simple process to have it removed again. 
This time Transunion chose to keep the erroneous information on my credit report because the collection agency, XXXX XXXX, claimed the account was " IN COLLECTION ''. No other documents or information was provided to me from Transunion 's investigation. 

Neither XXXX XXXX XXXX / XXXX XXXX nor XXXX XXXX ever produced any documents or records showing that I failed to return the equipment in question. There are no notices from XXXX XXXX XXXX or bills showing that still owe them any money for any equipment. There are no records of emails or phone calls showing any attempt by XXXX XXXX XXXX / XXXX XXXX to notify me that they believed I was still in possession of any equipment. I don't know what XXXX XXXX XXXX did with the XXXX XXXX equipment once I returned it via XXXX, but the equipment was clearly in their possession. I should not be getting random collection notices and it should not be impacting my credit rating. 

Transunion failed to conduct any meaningful investigation into the factual basis for the claims made by XXXX XXXX. No supporting documentation was apparently provided. Consequently, there is no factual or legal basis for Transunion to continue to report this erroneous information. This is especially true in light of the fact that the false information had been previously removed from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Equifax Account XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX Account name : XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Equifax Account # XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX And inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Installment Loans XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  New XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Loan Companies XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX Installment Loans XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 XXXX 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

A debt from a home owners association 's dues I never knew I owed, had a partner equally responsible owing home owner association was notified but never paid the debt nor notified me. 
I had move a couple of years before the debt became delinquent. The home owners association turned the late dues over to a collection agency. The agency apparently sent all correspondence to my partner but never to me. They finally to us to civil claims court but never notified me. Got a judgment from the civil claims court but I was never notified of the judgment. Finally, the collections agency alone with their attorney file and received a judgment lien against my home. I never knew the lien was recorded on my property until a year later when the collections company sent a letter letting me know they where prepared to act on the judgment. This was the first I even knew of the original debt. I called and told them I wanted to go back to court which was now over XXXX miles away from my new address to fight this in court. They agreed I was never notified properly of the debt or the judgment, but I 'd lose as the debt was still owed and add more fees to my original balance due plus interest. Once I knew of the debt I paid the collections agency and got a release of the lien, however it still remains on the county records as a judgment and on my credit report.
Product: Student loan

For the year of XXXX, I was on an income based repayment plan for my student loans from law school. I was paying {$130.00} per month, which was very manageable. 

When I went to recertify my IBR in XX/XX/XXXX, the website on which to recertify was not working. This website was myfedloan.org. Due to the website being down, I had to submit my recertification late. 

I have called and called and called and called, several times, over the past few months, and have never gotten a response from the contact number listed on myfedloan.org. I am either put on hold, only to be hung up on ; or when I press the number that will have them call me back, they never do. 

All of this has caused my monthly payments to jump from {$130.00} per month to {$1400.00} per month. I can not afford to pay {$1400.00} this month. 

Furthermore, when I was finally able to get my IBR recertified, my new income-based repayment was calculated to be {$450.00} per month, starting next month ( XX/XX/XXXX ). This is a {$300.00} increase from my original payment schedule. 

I can not afford to pay {$1400.00} this month, nor can I afford to pay {$450.00} next month. I wish to have my payments returned to {$130.00}.
Product: Credit reporting or other personal consumer reports

Chex Systems, I spent over an hour trying to submit a dispute on your website and always received some error- it should be that hard to submit disputes. 

See attached. 

There's incorrect information on my latest Chex Systems Report that needs to be handled immediately.