23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018, I made a call to GC Services and made a {$990.00} payment for my father 's account ( XXXX # XXXX ). The representative took my payment and said there may be a small sum left over. A week or so ago I am called back by XXXX XXXX asking if I could cover the remaining of the balance. I informed her that I was not the account holder, and that this was my cell phone number ; never provided or gave them authorization to call. She asked if I had another number so I could reach my parents. I provided it, and ended the call. The next day she called informing me that she was trying to collect the payment. Again, I informed her this wasn't my account and that she needed to call the number I provided. Mrs. XXXX advised that there was a note to not call the number I provided, and asked if I could get a message over to my parents to have them call.
Product: Credit reporting or other personal consumer reports

Transunion has not fixed my online access to freeze, unfreeze, or dispute my credit file. there are multiple errors on the page and since I have had ID theft ; I would like verify what's on my file but I can't do that or dispute anything online! This has been going on for months ; every time I login, i get the following error : " Sorry, we're having trouble showing the status of your credit freeze right now You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX XXXX XXXX XXXX XXXX  and Saturday - Sunday XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' I have to call them to have then add or remove a freeze and it is not the easiest process. 

When I try to review my credit and file a dispute ; I get this ERRoR : We're unable to complete your request online. 
Please try your request by phone or mail. 

What to do now : If you're trying to request a credit report, please contact our Consumer Relations team at ( XXXX ) XXXX, Monday through Friday, XXXXXXXX XXXX XXXX XXXX ET. 
If you're trying to dispute information on your credit report, contact our Consumer Relations team at ( XXXX ) XXXX, Monday through Friday, XXXX XXXX XXXX XXXX  XXXX, or dispute by mail. 

This has been going on for months, I have submitted several inquiries about this ; I feel that they are preventing me from seeing and disputing my info. I have several disputes get denied in the past which I would like to challenge again. 

Please help with this ; if Transunion is going to continue to be the major player banks call for credit reports then they should make sure the American People can access the reports they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps putting on my credit profile a delinquent account every month which is hurting my credit score. The offending account is over 15 years old and should not be showing up on my credit report every month as Collection/Chargeoff. 
Delinquent AccountTransUnionXX/XX/XXXX Delinquent AccountTransUnionXX/XX/XXXX Delinquent AccountTransUnionXX/XX/XXXX Delinquent AccountTransUnionXX/XX/XXXX Has went on every month for the past several years!!! 
I want them to stop reporting it as Collection/Chargeoff every month as I'm trying to rebuild my credit. This account should be resolved and even if it was still in collections, it should not show up every month as such, as others don't. It's in there one time when it's happening and it's not reported on a monthly basis. 
Thank you
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am rewriting this complaint to EQUIFAX to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Birthdate : XXXX  FTC Report Number:XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. 
I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that EQUIFAX conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that EQUIFAX will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Product: Credit reporting or other personal consumer reports

Summary of the issue : On XX/XX/XXXX, I filed a dispute regarding a XXXX Bank account ( account number : XXXX ), which was subsequently removed from my credit report after resolution of a complaint filed with the CFPB under case number XXXX. However, this account has reappeared on my credit reports with all three credit bureaus ( TransUnion, XXXX, and XXXX ) without following the proper procedures mandated by the Fair Credit Reporting Act ( FCRA ). This includes the lack of prior notification and the continued presence of multiple inaccuracies in the reported information. 

Details of the issue : 1. Improper reinsertion : I was not notified within the 5 business days required by Section 611 ( a ) ( 5 ) ( B ) of the FCRA regarding the reinsertion of this account.

No evidence or additional documentation was provided to justify the reinsertion of this account.

2. Inaccuracies in the reported information : This account contains significant discrepancies across the credit bureaus : High Balance : TransUnion and XXXX report a high balance of {$300.00}. 
XXXX reports {$0.00}. 
Date of Last Report : TransUnion and XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
Creditor Information : The address listed for the creditor ( XXXXXXXX XXXX  ) is inconsistent across the three credit bureaus, which violates the FCRAs requirement for accuracy and consistency. 
3. Previous case history : In case XXXX, the CFPB resolved that this account should be removed from my credit report due to inconsistencies. However, this account has now been reinserted without proper justification or documentation, constituting a repeated violation of my rights under the FCRA. 

Attachments : Recent credit reports from all three credit bureaus highlighting the discrepancies. 
Documentation related to case XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX WAY XXXX, KENTUCKY XXXX LAST 4 OF XXXX
Product: Credit reporting or other personal consumer reports

Notice to Agent Notice to principal Notice to CFPB In the matter of the listed items below on the credit file please accept this as a formal notice. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


Alleged accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alleged Inquiries : XXXX XXXX Please delete and block items listed above in the next 3 days Thank you
Product: Money transfer, virtual currency, or money service

or 3 days I have been trying to contact Paypal and remove all funds from this institution. They purposely never do not reply to none of my messages made from my business Paypal account. Today I was able to resolve the issue with the transfer. Upon transferring the remainder {$630.00} from the paypal business account paypal needed me to upload my Identification card. I did not have it on hand so i tried to click the X for the box asking for the identification. Upon doing so, the transaction for the transfer went through. I have tried to contact Paypal numerous times today. No luck for stopping the transfer. The remainder money was sent to my friend " XXXX XXXX ''. This was sent to her Venmo account. She has informed me the Venmo account has been closed for sometime. So paypal has informed me that the funds are gone and there is no way to retrieve them back. They have the transaction pending. The funds should still be made available to the owner if they're only pending. I want my money back from paypal and the business account closed as soon as possible. the transactionID : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> Subject : Request for Validation and Deletion of Inaccurate Information Dear XXXX I am writing to formally dispute the accuracy of certain information contained in my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ). I request full validation of all negative accounts listed, as I believe they are either inaccurate or unverifiable. 
Please find the details of my request below : 1. **Validation of Negative Accounts : ** I request that you provide documentation that verifies the legitimacy of each negative account associated with my credit profile. If you are unable to provide this information, I ask that you delete these accounts from my report as mandated under Section 609 of the FCRA.

2. **Deletion of Previous Personal Information : ** Additionally, I request the removal of all previous names, addresses, employment information, and phone numbers associated with my credit file. This information is outdated and could lead to potential errors or misidentification.

3. **Deletion of Hard Inquiries : ** Furthermore, I ask you to remove all hard inquiries listed on my credit report, as they were made in connection with attempted fraud. Under Section 604 of the FCRA, I have the right to dispute inquiries related to fraudulent activity, and I urge you to investigate these claims thoroughly. 
I appreciate your prompt attention to these matters and expect to hear from you within the stipulated 30 days as required by law. Please provide me with written confirmation of your action in response to my requests. 
Thank you for your cooperation. 

Carpe diem, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have multiple dings on my credit as collections that are not mines.
Product: Debt collection

I cosigned a lease for a now ex-girlfriend named XXXX at the XXXX XXXX XXXX in XXXX, Alabama in XXXX of XXXX, because they rented based on income and hers alone was not enough. It was made clear that I was only signing to allow them to rent the apartment to her and I would not be assisting financially nor living there. In XXXX of the same year, I called and asked the apartment manager if I could be removed from the lease without it affecting XXXX. She said yes and to come sign the Roommate Release forms and relinquish my key to the apartment. I went there immediately, signed the paperwork and handed over my key. I do not know how much longer XXXX continued to live there but I was told that I was no longer responsible for nor allowed access to the apartment upon signing the paperwork. 

On XX/XX/XXXX of XXXX I received a letter from a company called RentDebt that said I owed {$970.00} to the apartment complex. I emailed them immediately and told them practically what I stated above, the debt was not mine, and gave them all information I had so they could track down XXXX. 

On XX/XX/XXXX they called me trying to collect. I told them I had already emailed them, the debt was not mine, and I would not be paying it and they hung up. 

On XX/XX/XXXX they filed the collection on my credit report. I immediately disputed it on XXXX 's site and when it appeared on my XXXX report a few days ago I disputed it thru XXXX. 

The same day I also left a review on the XXXX XXXX 's XXXX page about the situation. On XX/XX/XXXX, the apartment manager sent me a private message stating " Someone else was handling the accounts that had balances. I do believe I recall doing the roommate release. I will check on this and get back with you. '' I haven't heard from her again. 

Someone else contacted me about it, stating they too were in the exact same situation, having signed a roommate release and were being hit with a collection even greater than mine.
Product: Credit reporting or other personal consumer reports

I have numerous times now filed a complaint with the CFPB and through the company. A change was made to the XXXX report in good faith and now XXXX is reporting different amounts showing owed to the company. Why is XXXX  XXXX breaking FCRA laws? Ive obtained XXXX XXXX and will meet to proceed with legal action on XXXX. It is against FCRA laws to report information on my credit file without my knowledge, especially wrong amounts reporting owed. In reply to the CFPB from XXXX  XXXX they removed the file with the amount {$1900.00} yet XXXX is reporting an amount of {$900.00} this is XXXX. I have repeatedly called XXXX XXXX at the number provided, left messages and never receive a call back. I am no longer going to allow being treated this way. I will provide attorney information to the CFPB as far name, company and phone number if requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. IN ADDITION I DID NOT GIVE YOU XXXX PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681B ( C ) WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIUOS BREACH OF MY PRIVACY RIGHTS.
Product: Checking or savings account

My account would be pending from transactions that was made. Money was taken and then was in pending and the final amount would have shown navy federal took my money again. I told someone at the bank no one did anything. So I started to take my money out of my account to refrain from being double charged once charges was posted
Product: Credit reporting

I am having issues with Experian. I am trying to get a hold of them because I have an identity theft issue that I have been dealing with. Around XX/XX/XXXX or so I sent in a copy of my identity theft police report due to my personal information being used to open up fraudulent accounts in my name. I found on my report a fraudulent account that was established with XXXX XXXX XXXX XXXX, and XXXX XXXX Account # XXXX. I have tried to get through on the automated system to speak to someone and I have not been able to get a hold of someone but it tells me my report number is not valid. I tried to communicate with them through the online upload portal and the site is giving me a mail in form. I need to get these XXXX accounts removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) ... 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom it may concern, My name is " XXXX XXXX ", I am writing this request for these inaccurate items that are listed below to be reinvestigation. If accurate, they have to be removed off my credit report in 30 days according to Fair Credit Reporting act. I will be validating all debts from these creditors and filing complaints on all parties to Transunion, XXXX, XXXX and every creditor reporting the above items ) and filing lawsuit if not done. 
**Name** XXXX XXXX XXXX **Address** XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX **EMPLOYMENT INFO** XXXX  XXXX  XXXX XXXX PLEASE REMOVE THESE ADDRESSES AND EMPLOYMENT INFORMATION BELOW AS THEY DO NOT BELONG TO ME AND THE INACCURATE INFORMATION BELOW IS PREVENTING ME FROM OBTAINING CREDIT I BELIEVE IT MAY BELONG TO SOMEBODY THAT HAS A SIMILAR NAME AND ADDRESSXXXX % % **Auto Loans** XXXX XXXX Reported : XX/XX/XXXX This collection account is not belong to me. The original creditor don't have any signed contract with me. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed immediately. 
XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine. Please delete it immediately XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine. Please delete it immediately **REAL ESTATE LOANS** _XXXX XXXX Reported : XX/XX/XXXX This account is account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Hard Inquiries** XXXX XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS  VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS  VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Product: Mortgage

Regarding my situation with Nationstar ; the following is an overview of what transpired. I am going to attach all that I can but I might need to send you a cloud link. The XXXX day sale date following my XXXX XXXX hearing is scheduled for this Monday, XXXX XXXX ( See Attached ) I am not trying to save my home ... my only goal is to have a deed in lieu of foreclosure. This, in addition to the possibility of a short-sale is all that I have been trying to achieve from Nationstar. However, I was told that I must wait until after the hearing to present any offer to them. That was told to me by their counsel as well at the hearing in front of the judge. Nationstar told me XXXX days after the hearing date when I called them regarding a deed in lieu / shortsale that I must have a minimum of XXXX days from the actual sale date to be considered for either. Obviously the math does not add up. 

This is after I desperately tried to modify my loan before this began. Nationstar put me into foreclosure for a reason that was not valid. Nationstar told me in the foreclosure notice that they did not receive the requested information, which I have proof of providing to them. All of this was to no avail. 

Timeline : On XXXX XXXX, 2014 I sent in the requested information needed to be considered for a loan modification. 
I received a letter dated XXXX XXXX, 2014, requesting additional information for the loan modification. 
I sent all of the requested information in by the date of XXXX XXXX, 2014. 
In a letter dated XXXX XXXX, 2014 that I received stated that all of my modification options were denied because of " Request Incomplete ''. I have all documentation and proof that these items were sent in through fax and email logs. 
Following that notice / letter we were placed into foreclosure. 

I can provide proof that all of the requested items were sent to Nationstar for the loan modification process, per your request.
Product: Debt collection

I have tried contacting this collection agency to inform them that is XXXX XXXX and that this collection isnt my debt and they have failed to have this removed after sending all information needed to have this fraud debt removed from my account. I never gave written consent for this either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed with XXXX XXXX a dispute Report Created On : XX/XX/2021 File Identification Number : XXXX Provided by XXXX Consumer Relations This account is XXXX XXXX XXXX XXXX XXXX $ it isnt my account address and entire social security number does not Match this is not my account removed immediately provide proof that this is my account I request you show my the entire social security number and address match me if not remove it asap before I enter law suite
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I own DEBIT COLLECTION NAME, XXXX XXXX XXXX ACCOUNT # XXXX Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my report