23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

An account I had through XXXX was sent to collections in XXXX, I then paid the balance of {$270.00} through their collection agency XXXX on XX/XX/XXXX. On XX/XX/XXXX a collections account was placed on my credit by the company I C System INC, a collection agency with XXXX, for the same amount of {$270.00}. When I contacted XXXX about this several times during the week of XXXX XXXX they stated that in their system my balance was XXXX  and to contact the collection agency directly, along with disputing the item on my credit. I did both to no avail as the collection agency stated they would need confirmation from XXXX that the debt was settled and the dispute continues to come back as accurate information.
Product: Debt collection

I moved out of an apartment, they sent a final bill that included a notice fee and an amount to replace the carpet. I contacted the complex, they admitted that the notice fee was a error, i asked to provide pictures and bill for replacing the carpet but they did not respond. 30 days later i received a call from a collection agency, i explained i had not received anything in writting and would like to dispute, they said they will be sending me information. i received nothing but they went ahead and reported this to my credit and just keeps calling.
Product: Checking or savings account

I found out that my East West bank account was closed on XX/XX/2020. I contacted customer service on the same day and asked me to provide another XXXX XXXX  account with {$3300.00} in it. I transferred the money inside, but I have not transferred the money in the past 13 days. I have contacted East West Bank customer service many times, and I said that I will transfer the money soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute over 30 day late payments for XXXX XXXX XXXX XXXX and the system malfunctioned would not let me attach my documents which show my payments were within the 29 days before reporting to bureau. I decided I would upload the documents the next day but within less than XXXX hours on Experian said they verified all data as correct without providing their process or proof. I dont believe they could have adequately conducted a thorough investigation in the time frame and may have sent me an automatic response reply instead. I understand they are probably getting overwhelmed due to the fallout from XXXX and consumers checking their credit reports but these incorrect late payments are affecting me getting a safer place to live due to my area of in XXXX, TX being severely affected and undergoing extensive cleanup before renovations can begin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the three credit bureaus regarding XXXX XXXX account on my credit report. The law says that delinquency are to remain on credit reports counting from the first time the account was delinquent. The first time that my account appeared delinquent and reported by XXXX XXXX was in XXXX. All three credit bureaus dropped my XXXX credit reporting fromXXXX XXXX and started the reporting from XXXX with a negative reporting in XX/XX/XXXX. This information is incorrect and the reporting should date back to XXXX -- -meaning this account should be removed from my report from all three credit reporting agencies because the XXXX XXXX falls in the 7 year delinquent rule and should have been removed from my credit in XXXX. We are now in year XXXX and the XXXX XXXX has XXXX   up my reports on all three account more than 3 years past the time that he should have been removed. 

In regards to XXXX XXXX. My credit card was closed due to misuse of the card by fraud and the company cancelled that account and re-issued me a new credit card. The three credit bureaus decreased my score in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX involving this account. The account has never been delinquent, but my score is XXXX with this account monthly in order to justify decreasing my credit score. 

XXXX XXXX scores for the three credit reporting agency has decreased my credit score as much as 67 points in XXXX and decreased again in XXXX. This card is constantly used by the three credit scores to decrease my credit score, but the card is currently. Even when the balance is low, the three credit bureaus do not add the deduction amount that they used for decreasing my credit score.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX  || DATE OF INQUIRY : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have been dealing with this check and go collections for years this account has been paid in full i have submitted all the proof i have filed two complaints with you on XX/XX/2023 and it was resolved now the same collections is showing up again with a different collection 's agency - shouldn't XXXX know that it's already been resolved this is ridiculous - Can you please help me resolve this again. 
prior complaints- XXXX and XXXX
Product: Debt collection

This company knows I was a victim of fraud and are still ruining my credit!! 

Coming after me for debt not mine!!!
Product: Credit reporting or other personal consumer reports

TRANSUNION has violated my consumer rights by reporting inaccurate information. The creditor has also violated my consumer rights by reporting inaccurate information to TRANSUNION. The creditor has not validated the 30-day late payment and is willfully causing further injury to me. I will submit another complaint for an opportunity to cure and expect this matter to be resolved immediately. I received a copy of my credit report and found the following items to be an error. XXXX XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX HIGH BAL : {$3300.00} BAL OWED : {$3000.00} Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR XX/XX/XXXXXXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). Transunion Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent
Product: Student loan

I contacted Discover student loans for a student loan for my daughter which I was going to co-sign. They asked how much I make, but also asked how much was in my savings and retirement accounts. 
I 'm a XXXX so I only make approximately {$15000.00} a year but my FICO score is XXXX ( which I would say is better than most ). 
The form also proceeded to ask what my savings account had as well as my retirement account. I told them {$20000.00} in savings/money market and {$300000.00} in retirement. 
Well, it came back with a 8.990 % loan figure which is ridiculous. 
I proceeded to contact the bank at which time they basically told me that the only things they look at are the income and the FICO score. So I asked the girl that was helping me why they asked the questions about how much money I have and she did not know. She even put me on hold for a few minutes and came back and still did not have an answer. 
At that point, I asked why do they even ask the questions about how much money we have in our accounts if you are not even going to consider them, and she did not have an answer for that. I then told her that the bank needs to take those questions off their form if they are not going to use them as a basis for the loan. She really had no comment except she said she would pass the suggestion on.
Product: Debt collection

XXXX XXXX XXXX ( debt collector ), sent my boyfriend an email with my name, and statement of a debt owed to Spotloan. I never applied for a loan nor received a loan from this company. My boyfriend was told via phone ( contacted them after receiving this ), that I was being sued for an outstanding debt to Spotloan and that they sent the documents to my HR dept. Where I work. My boyfriend set up a payment plan and paid {$210.00}.
Product: Credit reporting or other personal consumer reports

THIRD REQUEST There are XXXX unauthorized hard inquiries reporting on my credit report. According to the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Title 1, Section 151, I have the right to dispute any inaccurate or fraudulent information on my credit report. I have presented Equifax with my identity theft report indicating that the accounts are fraudulent.
Product: Checking or savings account

I was overdrawn on my checking account and I deposited funds to cover yet still they will they will not release those funds even though I verified through the bank and the website that funds were cleared. They have no reason to hold this check. It is a corporate check. They are simply taking my money for themselves at this point and gaining interest on it as banks will do, procedure is all they can tell me. I have no income right now and that check would have made a huge difference in my life but Wells Fargo chose to ignore this fact. For purposes of my recon : check # XXXX has cleared through XXXX XXXX. XXXX also shows that the check has cleared and been paid. Somehow, Wells Fargo in this digital age has no clue. I find this hard to believe. My personal thought is they want to keep those funds, even if only for the 10 days they say is mandatory. Given their # of customers, it would add up to millions of money they are holding for themselves that they they should not be.
Product: Debt collection

XXXX debt collector XXXX XXXX XXXX regarding XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ). Text sent from them saying to visit the link in the text or call a phone number. Looks like a phishing scam. I tried visiting the website online and it says to call a different phone number than given in the text so it looks like fraud. 

I do not owe any medical debt. The XXXX XXXX XXXX comes up as a hospital in Louisiana according to XXXX. I have not been to a hospital in Louisiana. 

I am assuming this is fraud and I'm unwilling to call and give personal information to find out more. No letters or statements have been mailed to my house letting me know I owe any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these fraudulent items. I need this removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified the following items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my transunion credit profile. The inquiries have prevented me from obtaining credit and I need them removed immediately. The fraudulent inquiries are from a company called XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. A company called XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 usc 1681 section 602 A my privacy rights have been violated.

Also 15 usc 1681 section 604 states that the company transunion can not publish information on my account without my knowledge
Product: Vehicle loan or lease

Sometime in XXXX I began questioning my billing statement and how my payments were being applied cause suddenly I owed XXXX + the current month for a total of XXXX. I paid XXXX for XXXX on XX/XX/XXXX then on XX/XX/XXXX paid the XXXX, then on the XXXX paid XXXX for XXXX. XXXX XXXX wellsfargo calls to ask how I want them to apply the XXXX XXXX leftover after making my lone current. I said to any late fees. Then I get a billing statement saying I owed XXXX again. I began questioning this and was told to call customer service they said to call someone else they said they would have someone call me. No one called so I went back to bank, she filed another complaint asking for someone to reach me regarding my loan. Then comes XXXX I go in to get current on XXXX and XXXX. I'm told I owe XXXX again teller tells me that she agreed somthing was wrong and again requested someone contact me regarding my loan. She wouldn't take my payment cause somthinbg wasn't right it might disappear like my XXXX XXXX payment. So she requests someone calls me, I call and ask for the info no one calls and before I r my payment was late on XXXX the repoed my car. And say it will be auctioned on XX/XX/XXXX. Tow truck driver was rude and aggressive with my elderly father and refused to give M e a y proof he was asked to take car or that he took it. I've called wellsfargo every day and met with a local bank lady, I've spoken to executive who said XXXX was the case manager and she'd tell him to reach me. It's now XX/XX/XXXX and no one has even tried to talk to me about any of this
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, this so-called Experian sent me another emails 6 times. XXXX sent the same report, which I requested several things to answer in previous complaint. XXXX sent me twice with same content except no 3 other reports, as far as I see. All three had the claim number XXXX XXXX sent me important notice, which asked the personal information three times.
Product: Debt collection

While checking my credit report in XXXX XXXX I saw a collection from Healthcare Collections. I disputed this with the credit agency as well as requested validation on this debt. The collection agency sent me a itemized list from XXXX XXXX XXXX for {$250.00}. I disputed that this bill was not mine and that I 've never been to XXXX XXXX XXXX. They sent me a letter that said that their client was XXXX XXXX XXXX XXXX yet the itemized bill was from XXXX XXXX XXXX. They never sent me validation and said their client XXXX XXXX XXXX has verified the debt. This is unfair and deceitful. I am attaching the itemized bill that clearly says XXXX XXXX and the letter from Healthcare collections stating XXXX XXXX XXXX XXXX. I am in the process of dealing with an attorney on this issue but want to file a compliant.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : EQUIFAX Account Name : XXXX BANK Account # : Balance : {$1000.00} Date Opened : XX/XX/XXXX Account Status : Open Account Name XXXX XXXX XXXXccount # : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX  Account # : XXXX Balance : {$970.00} Date Opened : XX/XX/XXXX Account Status : Open Account Name : XXXX XXXX XXXX Account # : XXXX Balance : {$24000.00} Date Opened : XX/XX/XXXX Account Status : Closed UNAUTHORIZED INQUIRE ( XXXX ) XXXX XXXX, BEST B XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX XXXX XXXX, XXXX B XX/XX/XXXX XXXX  XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Received disclosure notice dated XXXX/XXXX/XXXX from XXXX XXXX. 
Continue to see that credit reporting agencies insist on reporting key factors that adversely affected my credit scores. A review of latest credit report does not support these adverse key factors. 
Credit Reporting Agencies continue to report inaccurate data to lender and/or financial institutions. As stated in previous complaints, key factors continue to be reported on disclosure as far back as XXXX. 
Complaint # XXXX ; XXXX ; and XXXX were sent on these very same issues. There are no serious delinquent accounts ; the number of accounts with delinquencies is XXXX ; Collection is currently being investigated. The number of inquiries has dropped to only XXXX for TRANSUNION. XXXX has deleted XXXX inquiries per my letters requesting to remove. No responses to remove inquiries have been received from XXXX.
Product: Debt collection

On approximately XX/XX/XXXX I transferred internet service with XXXX to a new address. The company mistakenly charged me a {$70.00} contract termination fee because according to their policy I transferred service to a new address and did not cancel. I spoke with them a second time and they again confirmed the charge was a mistake and will be waived. I did not receive any more notifications from them until today, XX/XX/XXXX when I received notification from a credit service company this debt had been sent by XXXX to Credit Collection Services ( CCS ) and had been posted to my credit report. I called CCS who promptly tried ( unsuccessfully ) to gather lots of my personal information and made aggressive statements about my need to pay this debt. 

I called XXXX for the third time who again reaffirmed to me this was an incorrect charge, but did give me a satisfactory response to give me confidence they will resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.