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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX.-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not allow for " identity documents '' to be uploaded to verify identity to obtain a FREE ANNUAL CREDIT REPORT via " XXXX ''. Getting through to a human being at " Experian '' is IMPOSSIBLE!
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX Balance {$240.00}
Product: Debt collection

On XX/XX/2022, I received a letter from Southwest Credit Systems , L.P. stating that I owed {$840.00} to XXXX. The letter stated : " Our information shows : You had a account from XXXX with account number XXXX. '' This is false information. This is not a XXXX account number, but it is my reference number with SWC. 

Because of the false information SWC provided, when I called XXXX later that day, they stated that my balance was up-to-date and this was probably a fraudulent attempt at collections, so I reported it. Importantly, because my alleged XXXX " account number '' per SWC 's letter only had 8 digits and XXXX 's actual account numbers have 16, the XXXX representative assured me this wasn't a real collections letter. 

On XX/XX/2022, the collections account hit my credit report, and on XX/XX/2022, XXXX confirmed it was a result of identity theft. 

On XX/XX/2022, I emailed an image of the collections letter to a Customer Security Assurance representative at XXXX. On XX/XX/2022, that representative stated that XXXXXXXX XXXX system never would have located the account because of the false information SWC provided.

Later, a representative from SWC 's compliance department confirmed the error and that they should've used the creditor account number, not SWC 's account number. 

In sum, SWC told me that they were collecting for " a account from XXXX with account number XXXX. '' This is false. If SWC had not erred and had accurately provided the creditor 's 16-digit account number, my credit score wouldn't have been impacted, and I would've been alerted to my identity theft 2 months earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX has closed a complaint I have put in on XX/XX/2023 today, XX/XX/2023 stating I opened a loan and didn't reached out to them, which is a complete LIE!!! I have sent emails stating the police report number letting the company the it will be weeks before the report is generated. I am going to continue to send complaints until this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to review my credit report online at Transunion 's website, I have logged in as a member and with no prevail has Transunion allowed me to view my credit report as I am in need to do so since I have obtained an identity theft affidavit report from the FTC. On XX/XX/XXXX I sent Transunion a copy of my Drivers license with my current address and social security number card as prove of my identity. On XX/XX/XXXX and XX/XX/XXXX I called Transunion costumer service department directly, Transunion representatives verified my identity both times over the phone, Transunion representatives stated both times that I would be able to view my credit report on the Transunion website, and jet I haven't been able to successfully view my credit report. I have also tried to obtain my credit report with XXXX XXXX XXXX and Transunion was the only agency not to release my credit report, the XXXX XXXX XXXX website states that XXXX  XXXX  Transunion are giving free weekly credit reports until XXXX of XXXX and the FTC website states that under the Fair Credit Reporting Act I am able to get a free credit report if the consumer becomes a victim of identity theft, I have obtain a identity theft affidavit report from the FTC website and I am in need of my Transunion credit report to identified any potential identity theft accounts. I pray the CFPB can help me resolve this issue thank you in advance.
Product: Credit card or prepaid card

AMEX pulled my credit without my authorization and I have written a lot of letters to them to delete this inquiry as I did not authorize this since last year. They did nothing about it and ignored my many certified mails. 

their phone number is XXXX Address is XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that you are the regulatory federal agency overseeing the XXXX credit bureau 's. In that role, why has Equifax been allowed to skip out on any responsibility for the data breach XXXX. XXXX??? I paid for a freeze through XXXX and I now contacted XXXX - they want to charge {$5.00} per freeze plus {$5.00} each time you lift the freeze, etc., etc ... ... ... ... ... ... ..this is all due to the vulnerable position we have been put in because of the carelessness of Equifax. My understanding was they were instituting a remedial action or some sort of 'tool ' FREE OF CHARGE to institute a freeze and lift it AT WILL that would work for all three agencies ... ... I find instead, they did nothing and I will have to pay another charge ... ... ... why? They caused the problem - they should pay for the solution - what has your agency put in place to take care of this problem that Equifax caused. We are shopping for a car ... ... entailing credit reports - what is your position? What has your agency enforced with Equifax to remedy this situation. Please let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 : XXXX  XXXX XXXX reported account closed XX/XX/2021 : XXXX  XXXX XXXX reported account closed - again - duplicate information no debt of any kind, account in perfect standing ( see attachment )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX there was a vehicle loan taken out through Santander USA that involves my name and my data birth I 'm not sure if the other identifying factors are associated with it it appears on my credit report I have tried on a number of occasions monthly since XXXX when I found out about this vehicle loan to get it removed and find out information about it I have yet to receive any information from Santander USA
Product: Mortgage

I have been working with my current mortgage company, PHH Mortgage, in regards to a loan modification. Back in XXXX of 2016 I was informed that my loan modification had been approved and that my first payment was due in XXXX. I made the first payment as scheduled. In XXXX I received notice that my loan modification had not been approved. I contacted my attorney and that third party company that I was working with regarding this notification and as result, it turns out that the mortgage company had not sent any trial documents and that the loan approval documents had not been sent to the correct address. After receiving all of this information PHH mortgage advised that the loan modification had in fact been approved, the miscommunication of loan documents had been an oversight on their part and to go ahead and send in my payments directly to them. I have now received notice that my home is up for foreclosure with a date and time of sale. I am an XXXX service member, which the mortgage company is well aware of, and have stayed engaged with them in every step to save my home. I contacted my attorney and the third party company for assistance in this matter. Contact was made with PHH Mortgage to discuss this matter and now we are being told once again that the loan modification has not been approved and that my payment has been return ( nothing has been received from PHH Mortgage ). We have asked to speak with my case manager at PHH Mortgage, his supervisor, and that persons supervisors. No one is ever available to assist in this matter. Once again I am in danger of losing my home and also, the tenants that I have living in the home are in danger of being put out. This highly unprofessional and unethical.
Product: Debt collection

I am being called for someone elses debt. Ive called the number to request I be removed from their list and I am continually harassed for debt that isnt mine. It needs to stop!
Product: Credit reporting or other personal consumer reports

Iam not liable for this debt of {$730.00} with ( XXXX XXXX XXXX  XXXX ) I do not have a contract XXXX XXXX XXXX they did not provide me with the original contract as I requested with my wet signature and id verification. According to 15 U.S.C 1681 there should not be any damages on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian and opened a dispute regarding a XXXX account that was reported on my Credit Report. At that time, no information had been reported after XXXX, and the account was listed as a charge off. I had recently come to a settlement with XXXX to pay off the entire account balance for XXXX dollars. I called and spoke to a representative in the customer service center and advised her that the information being reported by XXXX was outdated, and the balance should be XXXX. At that time, she initiated a dispute. I received and alert yesterday that XXXX had " verified '' the information and is still reporting my balance as being Charged Off and unpaid, and my balance is XXXX dollars, which is incorrect.
Product: Money transfer, virtual currency, or money service

I had made a deposit/payment for a contractor for XXXX on XXXX  and the contractor ended up not respounding to my phones calls or texts when I reached out to Wells Fargo after about 3 to 4 weeks I was told XXXX said no did not ask to see the calls texts nothing confirming my side or info when I reached out to Wells Fargo again . They said they can not do anything not even with trying to provide more documentation and that fraud or scams are o ly protected if its with a debt or credit card and the rep said next time dont pay till the job is done or thats the dangerous part of it
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife was trying to trade her vehicle in for a newer model and she was told from my salesmen that she could not make any trade. We asked why and he gave us no explanation. We pulled our credit on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Product: Debt collection

Khol 's has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX and my information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data beach and Equifax has done nothing about it. Please help me delete these illegal accounts from my credit reports. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$1600.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Debt collection

I was injured while attending a training for my employer. out of town. I tripped over a medal strip while exiting an airplane. I filed a workers comp claim with employer. My doctor sent me to get therapy for my XXXX, which turned out to be a XXXX XXXX injury. My insurance XXXX paid the claim initially according the their rep ( XXXX ) Then workers comp claim paid also. but still sent my name into collection. Louisiana 's Workers Comp Rep was angry because I injured myself and did not wait for her to assign me to be seen by one of her preferred doctors for evaluation. This is a total retaliation from workers comp rep and the doctor they use to evaluate workers comp patients.
Product: Money transfer, virtual currency, or money service

Cash App closed my account after I sent money to the mother of my XXXX year old daughter. I had no reason why and the failed to provide me an investigation. Prior to that I was defrauded and they refused to pay back any funds but I needed the app because it was the only way I had to send money to the mother of my daughter. I sent her a payment one month and was blocked immediately after
Product: Debt collection

I have been receiving calls from a company called EOS CCA. When I answered, they asked for my sister and when I told them that I was not ( a ) a female or ( b ) that person the lady on the phone got chirpy with me and demanded the contact information for her. I informed her that this was illegal and I was going to file a complaint ( which I am doing now ).
Product: Debt collection

I had a delinquent debt with XXXX. My account is now with LVNV, Resurgent, XXXX- these are all it 's name. My problem is not that I owe the money. My problem is that I do not have sufficient enough information to pay the bill online. I received a letter on XX/XX/XXXX. I called today to receive another letter in the mail to confirm that they still have my account. The CSR was polite and said they would send out another letter. The problem is that the CSR gave me another number for my account ID and another account number. I was told that these were the correct numbers. I went to the website to see about making a payment and the website tells me that these numbers are not valid. The account number and account ID numbers are not correct on the letter from XX/XX/XXXX either. I do not understand how I am supposed to pay this bill, when I can not access it online. I keep receiving incorrect information. The company has reported me as of XX/XX/XXXX. My credit score has taken a serious blow. It dropped from XXXX to XXXX. I really want to fix this problem and my credit score. Please help me or direct me to someone who can.
Product: Debt collection

Hello, I moved into a student apartment 9 months after the lease and I failed to get an inspection. Seven weeks, we were all kicked out. We were told if we left immediately that it would n't be on our credit record no would we incur any expenses. Just to note they kicked us out after the check for rent was cashed. 
There was a large repair bill and it was split three ways by management. XXXX roommate ( XXXX ) paid her share. We negotiated a reduced fee, and paid my share. The XXXX, never paid her share and they are going after us/me for the remaining balance. 
I have call and spoke to me, harassed me, disagreed with me, I have given them the contact info on the third person and when they ca n't reach her ( she ignore them ) they come back and harass me. The call at my home, my work, I recently sent them a certified letter with proof of payment and they sent back a letter saying they need proof.-Already sent. I have looked up the info on XXXX and they constantly get complaints. After a while they have a different person from their organization take over my " case '' and the harassment starts over. When we paid the debt they refused to give us written confirmation. We did however pay for it with my father 's credit card. The name of the company is NATIONAL CREDIT SYSTEMS of Georgia, the Harasser is XXXX XXXX XXXX, I also sent to the President and the Collection manager XXXX XXXX by registered mail on XXXX/XXXX/XXXX. 
The bill was paid on -in full- for my portion on XXXX/XXXX/XXXX -- whereby we gave XXXX XXXX my dad 's credit card number and paid {$750.00}. 
As I said we recently received another piece of mail from XXXX XXXX XXXX and they said there is n't sufficient evidence to validate my claim. I would think a credit card statement to the to National Credit Systems would be proof enough. In addition, we started keeping records of the calls and documenting them and outlined that in the certified letter. 
How do we stop this? it has been paid, they are continuing to harass me and I feel a XXXX on this matter. It was n't my mess, I should n't have paid anything, They should have cashed my rent check and then kicked me out the next day. But they did and now I am being harassed so much I am sick over this. 
I did all the right things. Make this stop- they are criminal in the tactics and their efforts to get money
Product: Debt collection

I have never done business with Monterey Collections. I do not have a signed contract with Monterey Collections. I am not liable for this debt from XXXX XXXX. On XX/XX/2018 I contacted Monterey Collections asking for a proper debt validation. I also contacted Monterey Collections on XX/XX/2018 asking for proper debt validation. Monterey Collections failed to complete this request with a proper debt validation. An alleged e-bill does not meet FRCA requirements for validation. Monterey Collections has had ample time to produce a proper debt validation. If Monterey Collections can not immediately produce a signed contract from me acknowledging that I have in fact done business with them and am liable for this debt, which is proper validation, then they must remove their erroneous trade from my credit report at once. Inserting erroneous information onto a credit report is a FRCA violation that is liable for payouts starting at {$1000.00} if pursued. Monterey Collections does not have permission to contact me by email, phone, or US mail. All communication is to be done through this CFPB portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX  ( Original Creditor : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXXXXXX Balance : {$5500.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1500.00}
Product: Credit card

I am trying to redeem my US Bank XXXX XXXX XXXX XXXX using the Real-Time Rewards cardholder benefit. Purchases that are {$10.00} or more are supposed to qualify per US Bank terms and conditions. Real-Time Rewards is basically a purchase eraser using your banked points to cover eligible charges. Also, I am supposed to get a rewards redemption discount due to my eligible purchases being " travel '' category purchases. This specific " travel '' category gives your banked points 50 % more ( XXXX ) value. All of my purchases qualified, but I only received one confirmation reply text and was credited for only one out of three eligible " travel '' transactions. In the past, I have always received a confirmation reply text whenever I text " REDEEM '' back to XXXX to use my rewards points to cover an eligible " travel '' charge. I have included several attached screenshots as proof of my claim. As I mentioned above, the only requirement for Real-Time Rewards is a {$10.00} purchase minimum. Furthermore, both of my XXXX and XXXX ride share purchases count/code as " travel '' so I am therefore entitled to the 50 % Real-Time Rewards Points boost as an XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/20, I was charged a {$76.00} charge from a company called XXXX XXXX out of MN. I live in CT and have never been to MN. I disputed this with my credit card and did receive a new credit card ASAP. However, I have called my credit card company 5 times to get the charges reversed and they have failed to do so.

Also, I pay by bill in full and on time every month. Every month they charge me a finance charge which I have to fight to get back. This month it is {$12.00}.