23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I been receiving multiple phone call from this agency.XXXX XXXX area code : Toll-free Read comments below about XXXX. Report unwanted calls to help identify who is using this phone number. 
Left a VM saying, " This is XXXX calling with XXXX XXXX  an advocate for the XXXX County courts calling to notify you of your appearance date requested to be scheduled for this coming Friday, XXXX XXXX, 2017 at XXXX ( today is XXXX XXXX, 2017 ). As the XXXX XXXX, we do not hold the contents to your case. You must contact the filing party if you have any questions or concerns regarding your expected appearance. They can be reached at XXXX. Again, they should be able to answer any questions regarding the time, date and venue in which you are expected to appear. Thank you.XXXX is XXXX XXXX XXXX XXXX, a debt collection agency. 

I called them to see about this matter and XXXX was being very rude and yelling at me because I was asking questions and did n't want to pay her. She state that " I hope you suffer. '' I just hang up on her. She stop calling for a day and now is calling all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bothered! I have been sending dispute letters to the Credit Bureaus regarding the removal of the fraudulent information from my Credit report and yet they have done NOTHING! The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information such as Driver 's license, my SSN, and proofs of address to inform the Credit Bureaus that it is me who have been submitting the complaints. I have read that the Credit Bureaus are required to remove any account that resulted due to identity theft under the Fair Credit Reporting Act section 605b. I have been highlighting this Federal law to my letters to remind the Credit Bureaus about heir obligation. Also, I have been asking the Credit Bureaus that they provide me copies of documentation bearing my signatures to support the Credit Bureaus ' claims that the disputed accounts belong to me and yet they have also failed to do so! These accounts were never mine! And neither did I received anything in exchange nor benefits as a result of the identity theft! under the FCRA section 605b, I would greatly appreciate it if the Credit Bureaus would remove these items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to file a dispute with Equifax on their website. I will attach the image showing the error. I am currently on a phone call with Equifax and the representative told me to file the dispute online. I explained to him that I was unable to but he just kept repeating himself over and over and I asked to speak to a supervisor and he just put me on hold for 15 minutes and the line ended the call. ( XXXX XX/XX/21 14 minutes total call ) Phone call 2 - Asked first rep to transfer me to a supervisor right at the start. 6 minutes after 2nd phone call transferred to another rep and asked to speak to a supervisor again. I asked the representative for his name and he said he's not allowed to. The supervisor I'm speaking XXXX XXXX informed me they are required to provide a name and reference number. So employees working for Equifax are clearly not following the rules and I do not feel safe with my personal information. I continued the dispute with the supervisor XXXX is the dispute reference number.
Product: Credit card or prepaid card

In XX/XX/2010, my MC was charged {$2000.00} to a company called XXXX XXXX. I had never heard of this company or done business with them. I called Wells Fargo Credit Card Services and reported this fraud. They told me that I had done business with them and received services. I tried to contact such company but no such company existed. I asked them if they had a contact number and/or what services had I received. They couldn't tell me. At that time I was naive and believed what a big company told me even though I knew it wasn't true. 

Now that I know my rights I have tried to contact them again, including reporting them to CFPB in the past. ( Case numbers : XXXX and XXXX. ) I believe they think I am right, but are using the expired time limit as an excuse. I didn't expire the time. 
In fact, I reported the fraud the first time it appeared on my statement back in XX/XX/2010. 
This is their problem and they need to solve the problem without giving me excuses. I'm sorry it has taken so long but I shouldn't be punished for it. I won't even charge them interest on my money. 

I have been a long time member of this bank ( XXXX 's ) since I moved to XXXX. They need to find a way to resolve this. I won't give up and will go further down the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Transunion and XXXX on XX/XX/XXXX requesting they send documentation verifying the accuracy of a XXXX XXXX account on my profile. I never received documentation, just a updated report saying " this account has been verified ''. On XX/XX/XXXX, I sent a second letter requesting documentation confirming validity of the account. I received the same responses as XX/XX/XXXX from each bureau.On XX/XX/XXXX, I sent a third letter and did not receive a response at all. On XX/XX/XXXX I sent a letter requesting method of verification of the XXXX XXXX account and did not receive a response. I contacted XXXX XXXX to resolve the account since it was affecting my score. I was told that they did not have my account it was with a company called XXXX XXXX. I contacted XXXX XXXX and was told they didn't have authority of my account and that I had to contact XXXX. After being transferred between the 2 companies, I was still unable to find out who had authority over the account. I spoke with a rep named XXXX whose extension was XXXX at XXXX XXXX and another rep at XXXX XXXX who got a manager over the phone and he told me that he couldn't do anything because my account was not with XXXX. Two weeks later, I contacted XXXX XXXX again and was told the account was with Financial Business and Consumer Solutions . I contacted this company at XXXX and spoke with XXXX XXXX. I paid the account and expressed that this payment was not an admittance of ownership but that of a weary consumer who was tired of getting the run arounds. I made the payment and was told XXXX XXXX is responsible for removing the account since they are the ones reporting. I called XXXX XXXX the following day on XX/XX/XXXX and was told again that they do not have my account and thus could not give me any information.
Product: Debt collection

During the month of XX/XX/2021, I contacted all 3 credit bureaus to alert Capitol One that the car loan is found to be no longer my responsibility because a Judge during my divorce settlement confirmed and ordered that this Capitol One Auto Loan is to be paid by my ex-spouse not me as it is his debt responsibility and should be removed from my credit file. This debt should be removed because it is not responsibility to pay. However, this company and the credit bureaus still have this listed on my credit report even though the Judge has ordered it is not my responsibility in my divorce judgment and all 3 credit bureaus have a copy and they forwarded a copy to Capitol One to remove the record.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd dispute with  XXXX   XXXX  regarding the inaccurate reporting of 30 days late for  XXXX   2016 . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same information.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Florida Laws Dear Experian, XXXX, XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with pertinent Florida laws governing identity theft and fraud, specifically Florida Statutes Sections 817.568 and 817.5685. 

It has unequivocally come to my attention that Experian, XXXX, XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Florida state law, particularly Florida Statutes Section 817.568, emphasizes the necessity of consumer consent for credit reporting, while Section 817.5685 of the Florida Statutes provides clear directives for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Florida Statutes Sections 817.568 and 817.5685, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for Experian, XXXX, XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that Experian, XXXX, XXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Florida Statutes Sections 817.568 and 817.5685. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft and fraud statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Florida state law, and identity theft fraud statutes. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that Experian, XXXX, XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith,
Product: Debt collection

Back in XXXX, i had all of my information stollen from car. On XXXX, I needed to get a mortgage, but i was denied due to the fact that there was an account on my credit report that was in derogatory status. 

To my surprise, I purchase my 3 credit bureau and i noticed there was an account that i never authorized. I tried disputing this account several times by sending them my police report ( about 7yrs ago ). And had asked several times to send me proof - they never sent me proof. XXXX have been trying to dispute this account since - without any result!! 

This year, again, I tried to get a mortgage. this account is affecting my eligibility. 

I spoke to a manager, the manager asked me, once again, to send proof of my identity theft report or a police report ; ( 5 ) copies of my signature ; copy of diver 's license and social security. I sent them all the information needed along with a dispute letter stating to send me information explaining their findings and actions ( that was was on XX/XX/XXXX ) It literally took then half a day to conclude their investigation. They sent me a voicemail without my phone ringing telling me that they did not have enough information regarding this account.
Product: Credit reporting or other personal consumer reports

These reported late payments don't reflect my consistent payment record.
Product: Credit reporting, credit repair services, or other personal consumer reports

An auto loan with XXXX XXXX XXXX went into charge off in 2013 after a medical emergency which left me unable to work for 6 months. Back in 2013 I spoke to the XXXX XXXX XXXX XXXX representative, I got a verbal agreement over the phone stating the charge off would be removed and that he would take care of the credit reporting once the car was paid. I paid the car off in full. I received Paid in Full Letters and a lien clearance letter from XXXX XXXX XXXX XXXX. The charge off 's were never removed from my credit report. Fast forward seven years later. I have disputed these items multiple times. The only credit reporting agency which refuses to remove it is Equifax. I have called over 15 times in the last 2 months. They tell me a different story every time. The representative keeps stating that there is nothing that they can do without authorization. I provide them the authorization letter ( Lien Clearance ) from XXXX XXXX XXXX and they tell me I have to continue to dispute it until it is removed. It has been years of back and forth. The information on my credit report is inaccurate and what Equifax is doing is illegal. I provide them all the information that they request and they refuse to remove it. I recently redisputed the same negative item and XXXX score went down. XXXX XXXX XXXX updated the information that caused my score to go down. Equifax is the worst of the three credit bureau. In my experience, Equifax will side with the lender even if the information is incorrect.
Product: Debt collection

There is a credit card on my credit report from Capital One. I have never opened a credit card before- I have only used a debit card from XXXX and one in the past from XXXX XXXX . The card was supposedly opened on XX/XX/2018 and closed on XX/XX/2018. It supposedly had a limit of {$300.00} and has an unpaid balance of {$450.00}. Apparently a payment was made on it on XX/XX/2018. This credit card is not mine and has negatively affected my credit report and has also made it difficult for me to join the military. I have disputed the card on my credit report several times and it still has not been removed. I had no idea the card existed until a year or so ago I noticed an email from XXXX XXXX about the card. I have no past emails or contact from Capital One about the card so the information is under somebody else most likely.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Transunion to resolve the issues i have with my credit report and their customer service would not help and take care of the negative inquiries reporting to your credit report. 
Also in XX/XX/XXXX, I mailed documents to Transunion telling them about these issues about the inquiries i have on my report. They told me i did not send in any documents but they were sent certified mail. 
In XX/XX/XXXX i worked with a credit repair service whom also mailed certified mailed documents to Transunion but no actions were taken. 
In XX/XX/XXXX i spoke with Transuion to let them know my social security number was compromised and a freeze was placed on my account. But they are still allowing me to have issues with my account. 
I would like to get these issues taken cared of quickly as possible. I have been trying for the last 2 years to get Transunion to take care of an issue and i haven't received any help as far. 
I would like these inquires removed from my credit report in a timely manner.
Product: Debt collection

A previously deleted account, Portfolio Recoveries collection, was re-reported on my credit report on XX/XX/2019. This has tied me up for a mortgage loan. It showed up last minute when we were supposed to close on the loan. I did not receive any previous notification in the mail that this account was going to re-report and did not receive a chance to request validation on this account. The law says that I need to receive a notification 30 days before it reports for the 1st time and I need to receive a notification within 5 days of re-reporting. I received neither notification.

When I call Portfolio Recoveries, I explain the specific law that they are supposed to follow and none of the people on the phone know what I'm talking about. I was transferred to 5 different reps over 2 hours on the phone with this company. 

The first rep read me a statement about how this debt was past the state statute of limitations and I wasn't able to be sued unless I made a payment or admitted to the debt. I did not make a payment or admit the debt, but when I was transferred to the 2nd rep, they told me that I needed to make payment arrangements today or I could be sued over this debt. So one rep says I can't be sued, then the next rep threatens me with a lawsuit if I don't pay.

What they did was try to trick me to make a payment so that I wouldn't be sued, but making a payment would actually allow them to sue me. This is extremely illegal and misleading. 

This debt was previously deleted from my credit report because it wasn't able to be validated. It's now reporting past the state and federal statute of limitations because the debt collection agency re-aged the debt.
Product: Debt collection

I repeatedly get phone calls from Revenue Group. they ask for my our son, who does not live here. There is no way to tell them to stop calling, it is an automated call. I called the number back to speak with them and in the middle of my sentence, they hung up on me. I want them to stop calling.
Product: Student loan

I consolidated my XXXX loans with Navient in XXXX upon completion of my graduate school education. I enrolled in a plan that through graduated payments over a period of 20 years would pay off the almost {$60000.00} principal balance. Over the course of the next 20 years I made almost {$60000.00} in payments however due to shoddy loan management practiced, the misapplication of payments, and the misrepresentation of how interest and penalties accrued during and after deferment and forbearance periods the balance outstanding remained right at the {$60000.00} balance due. This caused a large amount of strain and stress on me financially and mentally. Knowing that I had acted in good faith by never going into default over 20 years and faithfully making payments yet I had gotten no where on the balance owed and had nowhere to turn for help in disputing this treatment from this student loan servicing behemoth.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX XXXX XXXX : {$270.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX  XXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$500.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXX XXXX  XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX-XXXX  XXXX Balance Owed : {$250.00} ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX XXXX Balance Owed : {$200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX NA XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX FIN XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX XXXX2020 Sequium collection open a account under my name to try to collect XXXX dollars from a original creditor XXXX XXXX XXXX. They reported It to the credit bureau. I have a derogatory mark on my credit from something that does belong to me. This company is located in California. I called sequium, I called XXXX  ( XXXX XXXX XXXX ) they did not help me with this issue. I live in Florida, I have never open a account with this company located in California. 
Please help Thank you
Product: Money transfer, virtual currency, or money service

Case ID XXXX XXXX Disputed amount : {$240.00} XXXX XXXX info : XXXX XXXX XXXX XXXX XXXX reported : XX/XX/2022 I was approached in XXXX XXXXXXXX by a person XXXX XXXX who represented himself XXXX XXXX XXXX representative. He instructed me on how to purchase a computer I wanted on XXXX He instructed me to pay through PayPal friends and family. He scammed me and I never received the computer. Paypal won't help me because it was sent through friends and family. He instructed me to do so. I wasn't aware that it was against PayPals rules to purchase that way. I was scammed and PayPal won't reimburse me and my XXXX XXXX is using the same reason not to refund me. I do not know the merchant. He is not even in the XXXX. Please help. Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Over the past year I have noticed several charged off accounts on my credit reports that are constantly reporting inaccurtely. THe debts were discharged by the original creditors. Once a debt has been written off by the original creditor, it then becomes TAXABLE Income for me. I have reached out to the XXXX major credit bureaus for months after months. THese bureaus are constantly ignoring my request and at the same time, they continue to report inaccurate information to my credit report. This is a direct violation of my rights under the FCRA. Taxable income should not be reporting on anyone 's credit profile. 

The fact that the credit bureaus are constantly saying that the debt has been verified is very strange to me. I don't understand how you are verifying a charge off. Once it was charged off by the original creditor, it is then TAXABLE INCOME for me. Again, TAXABLE income should not be reporting as a debt on a credit profile. THis is a direct violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX 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