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

XX/XX/XXXX I get a call, ignored it. They left a voicemail. Didn't call back because I could tell it was a scam. Next day I get a email notification of new activity on credit report. XXXX XXXX XXXX put a fraudulent collection on my report. Claiming I had a magazine subscription back in XXXX, paid for 3 months at XXXX or XXXX month and then quit paying. That I now owe them {$910.00}!!! Mind you it is now XXXX, 5 years later.. I never subscribed to any magazines whatsoever! So I asked him who the original creditor, very hurriedly he said the name so that I couldn't understand him 2 times. 3rd time I asked him to slowly say it.. He proceeds to tell me it was publisher center incorporated promotions. My credit report had it as ( 01 XXXX ). So I googled XXXX XXXX XXXX promotions and nothing came up. I googled XXXX.. Also nothing came up related to XXXX XXXX XXXX. Scam scam scam! I googled XXXX XXXX XXXX Right underneath them is a reddit post with many people having the same story and description as I have with similar money amount ( always under {$1000.00} ) with the 5 year difference and with similar and different fake 3 letter companies such as ( XXXX XXXX as well as on the XXXX site. I disputed the reports and just like other people the credit agencies don't do anything!! So next step is to file for identity theft and I got a police report and I'm sending that in now to get these scammers ( XXXX XXXX XXXX ) blocked and removed from my credit report. They need to be stopped and arrested, based off the other people this has been going on for 2-3years now!!
Product: Credit reporting or other personal consumer reports

Accordingly, as per the fcra you were required to conduct a reasonable investigation and delete the disputed information as requested XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX before the end of the 30 day period of the day.You received my dispute letter on XXXX XXXX thetefore are response was due XXXX XXXX. instead of sending me a response letter within a result of a instigation of the disputed information you mail me a letter daily claimant whatever verbiage Verified. 
clearly you have willfully fell to delete the disputed information requested.In lieu fully fail to conduct a reason above this concerns me as i do not understand how you arrived at this conclusion since the information is indeed incorrect. 
this is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditors associated with my earlier dispute under fcra 611 ( a ) filled with on ( XXXX XXXX ) to be more specific, based on fcra 611 ( a ) ( 2 ) ( b ) you were required to forward all of the relevant information i provided by you to the creditor for their investigation of my dispute .please provide me with all the information you used for your investigation of my dispute. please provide me with all the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
please reply withn 15 days or delete the negative items, as originally requested. below are the items that do not belong to me that you continue to report erroneously. 
cellphone, Account # please note that i am taking this matter very seriously and demand that you follow the law, in it entirely, and send me detailed information of how you arrived at your conclusion, or else remove these items.
Product: Credit reporting or other personal consumer reports

This company has continued to violate my consumer rights. They are in violation in 15 USC 1681 B-Permissible Purpose, 15 USC 1681 Q, 15 USC 1681C-2 . This company responded to my dispute as you can see in the document attached stating that this account has been verified by the company reporting it. They have NOT supplied any proof of this account verified. The have no permissible purpose to report these accounts on my consumer report. The law is clear and it ates these companies must have my written permission and they DO NOT!!!! You also can see that I have a letter attached from the company US Bankruptcy Court where they are stating they did not verify any of my information with these consumer reporting agencies. This company is falsely reporting inaccurate information on my consumer report and I am demanding they stop and remove this fraudulent information for their financial gain. This is illegal!!! Here are all the documents I have sent to them showing them proof they are illegally using my personal information and they have refused to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your  reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. 
I am currently SELF Employed please remove XXXXXXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX I never work for these companies. 
XXXX XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I didn't give these companies approval to run a credit check : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.In accordance with the Fair Credit Reporting act Convergent accounts 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the XXXX XXXX XXXX and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX  # XXXX Date XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Date XXXX Balance $ {$640.00} XXXX XXXX XXXX # XXXX Date opened Closed. {$1200.00} written XXXX  # XXXX Date XXXX Balance {$1100.00} XXXX XXXX XXXX # XXXX Date XXXX Balance $ {$48000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Open {$1200.00} XXXX XXXX XXXX XXXX Open XX/XX/XXXX Balance {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XXXX XXXX I had called CapitalOne requested a credit limit increase and what are the factors looked on when giving a credit limit increased. Instead of receiving a increase the agent on the line decrease my credit limit, she tried to fix it but she couldnt so she transferred me to her supervisor who advised me that I would hear from a credit speacailist on Monday XX/XX/XXXX or Tuesday XX/XX/XXXXof the following week. I had waited until Thursday XX/XX/XXXX and I havent received a call from the credit specialist nor anyone from CapitalOne, so I called to find out whats going on I was told by another agent that there was no case for my issue and she put me on hold where the called got disconnected. I re-called CapitalOne once more and ask to speak to a supervisor who advise me that he will start a new case for my account which I was now frustrated because all the misleading Information that I have been receiving I ask for my account to be closed. Now I have checked my credit report and its sating that I have requested a decrease on my account, account is closed and a negative remark from CapitalOne. I called CapitalOne today XX/XX/XXXX and the agent is letting me know the reason for my account being report like that to the credit bureaus is because I requested that way. Which just display poor customer service customers who uses there service.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a fraudulent account and should be removed... 
XXXX XXXX XXXX XXXX  is a fraudulent account and should be removed XXXX XXXX XXXX XXXX is a fraudulent account and should be removed XXXX XXXX XXXX XXXX is a fraudulent account and should be removed XXXX XXXX XXXX XXXXXXXX is a fraudulent account and should be removed.
Product: Credit reporting

Dear CFPB, I have now complained about unauthorized hard inquiries through the CFPB and directly with Experian by mail and the entire issue has gone too far and I 'm getting ready to sue both Experian via class action and the companies who made the hard inquiries. As I indicated XXXX times before I only submitted applications this year that guaranteed a soft pull with the exception of a recent inquiry from XXXX XXXX. I have attached and circled in red the inquiries which were " never '' given any type of permissible purpose and clearly stated soft pull on the applications. According to the FCRA and language written on the front of the Experian report a soft pull is not shared with others. I as the consumer should not be harassed and treated like a ping pong ball with both Experian and the original initiator of the credit inquiry giving evasive answers and leaving me with the damage. They did not have any type of permissible purpose in this universe that allowed them to change a soft pull to a hard inquiry. I have been misled and dislike getting the same answer from Experian who prefers to defend the original inquiry because this means money for the company! I 'm tired of being pulled back and forth from both sides.
Product: Checking or savings account

On XX/XX/XXXX, American Express National Bank ( AENB ) stated in writing the interest rate 0.5 % for Savings. 
I opened a Savings Acct. on XX/XX/XXXX : IRA # XXXX Issue 1 : I sent Checks to AENB on XX/XX/XXXX & XX/XX/XXXX. AENB record show deposit of checks on XX/XX/XXXX [ 11-days late ]. At interest rate of 0.4 %, not 0.5 % as promised. 
When I Q -- why? AENB didn't have an answer. 

Issue 2 : On XX/XX/XXXX, AENB withdrew {$25000.00}. from my Savings.

. I didn't receive those funds -- so, AENB put those funds back into my Savings 6-months & 10-days later ( as miscellenious deposit ), and didn't add interest. 
. So, on XXXX, I sent a Fax asking AENB 4-simple Qs, and I didn't get any answer :. Q : Why did AENB made this as a 'miscellaneous deposit ', never paid to anyone?

. Q : Did AENB report the transaction to IRA -- if it did, please fix it to avoid a problem? 
. Q : Advise whether AENB is willing to add interest for 6-months & 10-days? 
. Q : On XX/XX/XXXX, AENB shows interest payment of {$810.00} -- please advise where I can verify if this amount is accurate Or provide me a statement of 'monthly account balance, interest rate, interest paid, and the total balance ( for me to verify ). 
I did advise AENB, if it won't resolve this, I may have to report to Feds.XXXX 

.
Product: Debt collection

Hello, I have a complaint against I.Q. Data International. The problem started in mid XXXX, when I tried to find an apartment. I kept getting denied whenever I filled out an apartment application. I was advised to check my credit report. When I checked my credit, I saw that there was a balance of {$1800.00} put there by I.Q. Data International after apparently buying the debt from XXXX XXXX XXXX apartments. The balance is now around {$2100.00}. After getting an attorney to help clean up this situation and other inaccuracies on my report, I.Q. Data sent out a validation of debt letter. The charges on the paper are for rent and service fees for the months of XXXX, XXXX, and XXXX of XXXX. The paper also says that my Move out date was XX/XX/XXXX which is inaccurate! I moved out XX/XX/XXXX after giving my 60 day notice. I have a document that states when I gave notice and a document recording when I turned in the keys to my apartment in XXXX. The documents are signed by me and one of the apartment employees. I called I.Q. Data in XXXX of this year and told them a mistake was made somewhere. I mailed in copies of my documents to I.Q. Data as proof that the move out date is wrong. I've been pulling my credit every week, and the balance is still there. And I havent received anything from them and I still cant get into an apartment. I.Q. Data International should remove the balance on my credit report because it is based on false information.
Product: Debt collection

on XX/XX/XXXX I applied for rental property in XXXX, XXXX : and were denied upon pulling a credit check ... causing rejection of my application... ..I contacted the collection agencies handling these out standing debts after receiving my credit report ... these accounts has been open fraudulently and I did not authorize anyone to use my name, personal information to obtain goods and services for any purpose..Unknown to me there has been XXXX apartments application that were submitted without my knowledge and not by myself on XX/XX/XXXXXXXX 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..I have contacted these XXXX property managment company and i am told they know longer handle the debt and its handled by a collection agency ... ..on XX/XX/XXXX I reported and filed a Identity Theft Report with the local police Department in XXXXXXXX XXXX  XXXXevent number/.case # XXXX ... on XX/XX/XXXX XXXX .i written letters to the 3 major credit burea concerning fraudalant accounts, victim of identity theft, and resolving this matter by deleting the debt from my name..the letters were mailed..disputting unauthorized debt
Product: Credit reporting or other personal consumer reports

XXXX XXXX account number XXXX, companies, XXXXXXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX score XXXX. I was denied a loan reason Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high Ally Bank XX/XX/XXXX Smg Automotive XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  Credit, account number XXXX, credit date XX/XX/XXXX XXXX. Application number XXXX, I was denied the reason Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high, also it says from Sagestream llc XXXX XXXX XX/XX/XXXX score XXXX factors limited history for consumer at address, not enough debt experience, too few revolving accounts, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX application number XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. Credit date XX/XX/XXXX XXXX no reason stated XXXX XXXX XXXX Bank, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX date XX/XX/XXXX, application number XXXX, was denied a loan reason Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high. XXXX XX/XX/XXXX score XXXX factors limited history for consumer at address, not enough debt experience, too few revolving accounts. 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX application number XXXX, XXXX XXXX XXXX XXXX ram, XXXX XXXX application number XXXX. Score XXXX XX/XX/XXXX reason denial Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high. 

XX/XX/XXXX application number XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX date of score XX/XX/XXXX XXXX XXXX XXXX. 
reason denial Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high. 

XXXX, XXXX application number XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, reason denial Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high. Date score XX/XX/XXXX XXXX, reason denial Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high. 

XX/XX/XXXX XXXX account number XXXX, XXXX XXXX XXXX, date XX/XX/XXXX score XXXX reason reason denial Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My home owners insurance was not paid on time and my policy was cancelled. I contacted Mr cooper my mortgage lender and they informed me that the payment had been sent on XX/XX/2021 for a due date of XX/XX/2021. My insurance carrier stated they had not received payment and as of XX/XX/2021 they had not received any payment. I decided to pay them this morning XX/XX/2021 directly in the amount of XXXX to have my insurance reinstated. My lender is telling me that i will be reimbursed eventually, I should not have had to pay again for something i had already paid into escrow to take care of, and hope that i get reimbursed some day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) on my 3 accounts in XXXX, XXXX, XXXX and XXXX to let them know about issues due to my family issues with XXXX  and having to take care of many who are not working. XXXX finally said they would process the request under the CARES ACT, but they were not fully staffed and it would take time to process the request. The requests came back approved, however, XXXX reported all accounts as seriously delinquent in XXXX, XXXX, and XXXX as they were processing the request. I asked and filed a dispute with the credit agencies, and it came back that XXXX provided property documentation. I am grateful they provided relief, but upset they are dinging me and surely many others while they took so long to process the application due to awaiting guidance or not having fully staffed offices. This applies to agreements set up after XX/XX/XXXX and until either 120 days after the XX/XX/XXXX enactment of the CARES Act, XX/XX/XXXX, or 120 days following the end of the national emergency, whichever is later.
Product: Credit reporting or other personal consumer reports

Someone did fraud with my credit. They even got unemployment funds in the amount of XXXX when I was in XXXX! All of this is holding me up from getting an apartment so I dont have to sleep in my car. I need all these items deleted so I can move on with my life and be a XXXX to my XXXX
Product: Debt collection

On XX/XX/XXXX of XXXX I received a letter from XXXX XXXX 's clinic in XXXX, NJ that I owed a debt for getting blood testing done at her clinic. However, I have never seen her. She is affiliated with the hospital I work for, but does not directly work for them. What we realized was that her ACTUAL patient was misidentified as me ( the clinic thinks our date of birth or last names were similar ). The clinic has access to my hospital 's central database, called XXXX, which is how she was able to access my account. My employee profile was mistakenly put as the patient 's. I actually get my blood reporting done for free through the hospital lab, as part of my mandatory yearly health screening, so I would have no need to go to a completely different clinic, pay a copay, and have it sent to a random testing company when I could do it for free while at work. 

The blood testing was sent to XXXX XXXX. While it is unfortunate the doctor 's office never resolved the issue with XXXX, I don't see why I am being asked to pay another patient 's debt. It was clearly another person 's blood being tested, not mine. 

I communicated this with XXXX on XX/XX/XXXX, when they sent me a billing notice. I called to rectify the issue, and Quest told me I had to tell them who the actual patient was since it was not me, but I told them that was impossible as it violated HIPAA. But the doctor 's office also could not tell them who it was as the patient was long gone and they didn't actually know who it was ( the clinic has no paperwork actually signed by the patient, they just took the insurance cards and IDs from my account ). XXXX  told me they would call the doctor 's office to confirm. That was the last I heard from them. 

XXXX Credit Collection Services in XXXX, MA contacted me. They claimed I owed this debt, even though I had communicated the issue to everyone involved. I asked them to prove it was me, and they could not, they just sent a bill claiming I had to pay {$170.00} for the blood testing. As a third-party company, they are not allowed to see private medical records as that would violate HIPAA. That is why they have no evidence as to who the actual patient is, they aren't allowed to have it. And that is why I know for a fact they have no reason to accuse me of having this debt. 

I went well beyond what I even should have done, as it's Dr. XXXX 's clinic that is at fault for not even doing the bare minimum in verifying who their patient was. I would Credit Collection Services to immediately remove my name from this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I made an inaccurate reporting dispute XXXX XXXX need help see credit score please.