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

I received a number of calls from a phone number in located in XXXX XXXX XXXX, CA. They never left any messages. I answered one of their calls and they were asking about my current refinance situation. I asked how they received my phone number and my credit information without my consent. They claimed they received my credit report however I never authorized them to obtain my credit information or my phone number. 
I request that Amerisave delete all of my contact information as I never have had a relationship with this company and never authorized them to access my credit or phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4900.00} ), XXXX XXXX  XXXX Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$340.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$210.00} ), XXXX XXXX XXXX XXXX ( Account XXXX : XXXX, Open Date XX/XX/XXXX, Balance : {$24000.00} ), XXXX XXXX XXXX ( Account Number XXXX XXXX XXXX Open Date XX/XX/XXXX, Highest Balance : {$37000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

Chase issued a mortgage loan against my property while back. I just came to know about it by contacting with the home insurance company last month, which was funded from that mortgage loan account. The loan number is XXXX. 
The loan account was used for this purpose by a mortgage company named XXXX XXXX with the below information : Phone : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I contacted your sales department to inquire about this loan with no success. They declined to provide me any response. 

Chase maintains the loan that are older than 7 years in archived form. Since the loan was issued against my property and was used back in XX/XX/2007 to provide my home insurance company for home insurance payment. 

So I need to know the below details on this loan : 1. When was the loan account opened and when was it closed, if closed?

2. What kind of loan was it ( i.e FHA, VA etc )? 

Since this was a concealed information, the statute of limit tolls for any legal action. 
So I am hoping that you would please co-operate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting ACT, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law, I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

I was never contacted about this. I have received no verification of this. I can not believe that someone can damage my credit like this without talking to me first. I never spoke to anyone nor did I receive any letter.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian to correct a balance that was reported on my credit by ( company ) XXXX XXXX XXXX. They completed the dispute and sent me the results showing that it was corrected to the requested amount. I received these results on XX/XX/XXXX. I will attach a copy of the report. The following month, the company XXXX XXXX XXXX went in and changed it back to to the previous amount. I called Experian and was told that I'd have to go in and file a dispute every month that the company continues to post the wrong amount. I filed another dispute with Experian at that point and the results came back unchanged. I received these results on XX/XX/XXXX. I called to speak with them about the results. When I spoke with the agent, they were originally not able to find the proof in my dispute report that showed where they originally changed the amount. As I kept prying and asking questions, the agent was eventually able to find it but still did not make the changes. I believe the first dispute I filed took them longer than 30 days to complete. I am in the process of verifying the dates, currently in their system it says I filed it on XX/XX/XXXX and it was resolved on XX/XX/XXXX, which is not accurate per my call with XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

under the Fair Credit Reporting Act ( FCRA ) law 15 USC 1681 I request these errors be updated on my report. My credit card from XXXX XXXX I saw on all 3 credit bureaus that my credit age with my credit card is XXXX but my credit report shows my credit age to be less than that from account # XXXX. There are not many options to report this so I chose to have this fixed through a better source.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation of CHASE mortgage account on credit report. I recieved correspondence back stating they were unable to validate due to the account being apart of bankruptcy and would violate privacy laws. I requested them to remove, on 4 occasions, they refused. Please remove as it is affecting my ability to obtain new credit
Product: Vehicle loan or lease

Experian credit reporting has made several errors with previous disputes. For an example report number XXXX on my Experian account is a error that I never disputed, they closed an auto loan which still shows I owe XXXX and is an active account I never submitted a dispute for this I'm not sure why they Experian closed this account in error. The other inaccurate information was report number XXXX this also was an error on Experian this shows an account that was paid in full as closed when in fact it's still active. These errors have negatively impacted my score and need these errors rectified.
Product: Credit reporting or other personal consumer reports

Teletrak, Please send me a copy of my consumer report - my drivers license, social security card, current address, and request form are attached.
Product: Credit card

Citibank XXXX raised my rate to over 26 %. I was never notified by them that this was going to increase. It started out as a 0 % for 15 or 18 months. The jumped that high. Even on current purchases and had I'd been notified I would not have used this card for my daughter 's wedding expenses
Product: Debt collection

I never received any notice of debt attempting to be collected from GLA Collection Company. After noticing not one, but TWO derogatory marks on my credit report from them : account # XXXX for {$3300.00} and {$1000.00}. I initiated communication with them to get a better understanding of where this debt is coming from. I have not paid any hospital a visit in the last 5 years. I contacted the supposed original creditor XXXX and asked for further understanding on how my information has been obtained, why it has been disclosed to a third party, and when was I going to be informed. XXXX confirmed to me they actually do not have any of my information on record, and could not have shared any information with this collection agency due to that being a violation of HIPAA. I contacted GLA Collection Company in XX/XX/XXXX to request a validation of these debts and all i received was a bill summary ( It can not even be classified as an itemized bill ; itemized bills list each item/charge ), which i have attached. This document did not include any context of the charges or any breakdown of each supposed charge, and as requested, any and all itemized bill should have a full detailed breakdown for what is being collected on. Upon receiving their response, I noticed on my report the debts are now dated for XX/XX/XXXX but in the bill summary provided by them, the date is XX/XX/XXXX. This is illegal according to the FCRA and reporting as a recent debt, which is another valid reason for removal. I again attempted to reach out to this company with no current response, as it will approach the 30 day mark on XX/XX/XXXX. I have attached my 2nd attempt to validate this debt as well. This company states they are collecting on behalf of an original creditor and I'd like more confirmation on how that is possible if : a ) the original creditor verified no debt was sold to this company because they have no record of me at their facility. b ) YOU as the collector can not even verify, validate, or confirm any information on these debts besides a total amount. I strongly feel there have been many violations of my rights under the FCRA and request these to be immediately removed. It's not logical ( nor ethical ) to expect money to be paid, but as a company you can not communicate or validate any requested information.
Product: Credit card or prepaid card

This card thru Barclays was opened sometime in 2014 and was the result of identity theft.the individual who did it opened it on Colorado or wyoming  where I do not live or ever lived.provoded them with proof I didn't live in cities or state card was opened and proof of residency etc.they have illegallyi kept this debt on my XXXX credit report .my ss # ends in XXXX
Product: Debt collection

I have credit monitoring. Today XX/XX/XXXX I received a notification that I had a new collection that showed up on my credit report. I do not have any collections. 
I XXXX the agency. - Vance and Huffman LLC I called their agency. 
They stated that I had a debt owed to XXXX XXXX XXXX for ( XXXX ) XXXX XXXX  from XX/XX/XXXX. 
I did not purchase XXXX XXXX in XXXX. I never received any mailing or notification of this debt. I was not aware that an account was opened under my name for XXXX XXXX with this company. My credit score decreased putting my other good standing at risk.

the person was able to verify my name, dob, phone and address email address was incorrect.
Product: Credit card

I settled an old charged off account that had already been issued a XXXX for, by paying via electronic check {$2700.00} on XXXX/XXXX/16. I was told this account would be settled in full and would be updated with the credit bureau as a {$0.00} balance. It was updated with the credit bureaus as a {$1500.00} balance. This is not what I agreed to, it should reflect a {$0.00} balance as promised. Please help.
Product: Debt collection

I bought XXXX XXXX phone purchased in full. I had a no contract month to month payment plan where you paid for any phone service up front. I canceled the service due to the month to month price increasing. I do NOT owe XXXX any money. My credit report indicates it is in collections. This is an error on the part of XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve my issue with XXXX MASTERCARD in XX/XX/XXXX/XX/XX/XXXX when I disputed the way XXXX increased their interest rate from 2.99 % to 32 % +. I was unsuccessful on every level during this time of trying to communicate with them, as they would not talk to me. During this time ( XX/XX/XXXX ) I was not aware of XXXX 's problems with the FDIC. I soon found out there was a Class Action Law Suit against them and XXXX filed for Bankruptcy sometime during the XX/XX/XXXX/XX/XX/XXXX time frame I believe. I'm not certain of the actual filing date of their BKRPTCY. 

I was working hard at paying this debt off in XX/XX/XXXX/XX/XX/XXXX, as I reduced my balance from {$8000.00} +/- to {$2500.00} +/-. During this time as I continued to reduce the total owed, I became more irritated that XXXX or a rep would not contact me to discuss my issues. I figured I would stop making payments in XX/XX/XXXXuntil someone called me to discuss. That's when XXXX closed my account ( XX/XX/XXXX ). I have attached a couple Statements from XX/XX/XXXX/XX/XX/XXXXwhere it is printed on the front of the STATEMENT this account is closed. Based on closing my account XX/XX/XXXX due to late payments, this would start the 7 year clock ticking at my first late payment leading up to my delinquency. ( Based on Experian 's explanation of the most common problem in credit reporting is late or missed payments ), I tend to agree and this occurred on my account mid XX/XX/XXXX. 

Based on these facts ... ..the XXXX Negative Report has been on my Credit file now for 10 years 6 months & 2 weeks. 

I'm asking for the XXXX File be removed from my Credit File entirely.
Product: Credit reporting or other personal consumer reports

I have contacted Tranunion over a year now to remove this suppression. This has caused great havoc in my life. Hello I dealt with several agents for months and you all unlawfully have my credit report suppressed. I'm filling a complaint to Consumer Financial Protection Bureau. If you all font fix this issue ASAP. I'm filling a complaint to that CFPB Fair Credit Reporting Act Tags : Consumer Protection Privacy and Security Credit Reporting Mission Consumer Protection Law 15 U.S.C. 1681-1681x XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I'm going to ever social media outlets to make reports Trans Union lack of action to resolve this issue with my file in a timely matter ( Transunion refused to insureds my file ) is a violation of the fair credit reported act. If I lose my offer my house due to bring held up. I will take transunion to count and notify every social media outlet. Starting today. I'm in consultation with consumers media lawyer right now. File XXXX I asked this be done no action has been taken I sent in proof from XX/XX/XXXX to Currently date XX/XX/XXXX This is a on going issue I and speaking with lawyers and I am preparing to sue and bring awareness online media outlets the news to address this is a public setting. 
I sent the company all the information and the still refuses to lift the suppression
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries on my XXXX and Equifax Credit reports I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the inaccurate and unverified information on my credit report, which has been reported by your agency. Specifically, I have been informed that my address has been reported inaccurately as XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, MA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX my current address being XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 

As a consumer, I have the right to accurate and complete information on my credit report. The inaccurate reporting of my address is a violation of Section 607 of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to report only accurate information. Your agency has failed to follow reasonable procedures to assure maximum possible accuracy of the information concerning me, violating this section of the law. 

Furthermore, Section 609 of the FCRA requires that consumer reporting agencies maintain strict procedures to ensure that only authorized parties can access my credit report. Your agency may have violated this section by disclosing my credit report to unauthorized parties, as I have never authorized any access to my credit report for any reason. 

In addition, Section 312 of the Fair and Accurate Credit Transactions Act ( FACTA ) requires consumer reporting agencies to use reasonable procedures to ensure the accuracy of credit report information. The fact that your agency has reported my address information inaccurately may be a violation of this section as well. 

Finally, Section 216 of FACTA requires creditors and debt collectors to properly dispose of sensitive consumer information. If the creditors who provided your agency with my inaccurate information did not properly dispose of my sensitive information, they may have violated this section. 

This inaccurate and unverified information on my credit report has had a significant negative impact on my life. It has caused me to be denied credit, which has prevented me from purchasing a home, a car, and other necessary items. It has also resulted in me paying higher interest rates on loans and credit cards. 

Therefore, I am requesting that your agency investigate the inaccurate and unverified information on my credit report and take the necessary steps to remove it immediately. I also request that you take steps to prevent this from happening in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from National Credit Adjusters. I reached out to this institution via phone # XXXX XXXX XXXX XXXX twice on XX/XX/2020. I advised her I do not have an account with National Credit Adjusters and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from National Credit Adjusters. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Student loan

This complaint is about inaccurate payment counts for Public Service Student Loan Forgiveness. My payment count remains inaccurate after requesting and receiving a recount by FedLoan. My loan was consolidated in XXXX, enrollment status effective XX/XX/XXXX. I worked with XXXX  advisor to consolidate following this. Loans were originally serviced by XXXX XXXX before transfer to Fed Loan. Throughout repayment, I have always been in the IBR plan. I have had only 2 employers and I have certified both as eligible employment from XX/XX/XXXX-XX/XX/XXXX via submission/approval of ECF forms. I have always been enrolled in autodraft for my payments. Despite this, my counts are wrong. I asked for a recount in XXXX and, while they did increase the count, I believe it was still off by 19 or 20 payments. Now, as of my XX/XX/XXXX recert, I believe my count is still off by 12 or 13 payments. The source of error may be that Fed Loan is not applying the {$0.00} payments which I made during my first year of repayment, despite this being the amount due under my income based plan and despite being enrolled in AutoPay. Thank you for your help in this matter.
Product: Credit card or prepaid card

Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX / XXXX / {$530.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 



To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection accounts is not only listed as being owned by me, but also as having a PAST DUE BALANCE of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a violation of the FCRA and is in violation of requisite METRO Compliant reporting standards.

According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate.

Please IMMEDIATELY remove this account from my credit report and send me an updated report 109K showing your compliance with all METRO2 reporting standards and this account removed upon completion.

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has an account on my credit that have no idea about. There is no acct listed, just a balance of {$210.00}. When I called Equifax, no one helped me get this matter resolved. This a clear violation of the FTC. Please also let Equifax know they are not following the FDCPA. How can I dispute something, if there is nothing to dispute? Please stop this travesty of justice from happening to me. I am tired of going back and forth with Equifax. This account is not on my XXXX or XXXX report. Please investigate this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've provided the police report to Transunion informing them of the item on my credit. I was informed that it would take 72 hours for the items to be removed. I sent in my ID social and bill by mail and on the site. What is going on? Why are they saying that I need to send in my ID social and a bill again? I sent it in already. 
XXXX XXXX