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

On XX/XX/2019 I was routed to an employee with XXXX  by the name of XXXX employee ID XXXX. When I attempted to find out why my credit score went from XXXX to XXXX, because the notification stated that the " consumer disputed the account '' which I knew this was not true he advised me that in order for me to obtain that information. I would have to pay {$15.00} to receive my credit score verbally or to have the remarks read to me that were left on my credit file. 

I immediately stated that I would like to speak to a representative in the United States. Every time I call XXXX  I am routed to an International representative. XXXX employee ID XXXX routed me back to the United States in order for me to get the information that was requested, but upon obtaining that information. I found that the remarks were reported incorrectly neither I or my credit card provider had reported that I was disputing the entire account. 

When I contacted XXXX  I couldn't even get anyone on the phone they have an automated systems that refuses to put you into contact with any live representative. 

Regarding Synchrony Bank. I would like to know why they are changing accounts numbers on accounts that if ever need to be referenced would no longer exist under the same account number?
Product: Debt collection

This company uses spoofing to contact me and my family members and have yet to contact me in writing. Their calls are harassing and annoying and they refuse to stop. They call numerous times back to back every single day.
Product: Credit reporting or other personal consumer reports

Experian Consumer Services has engaged in practices that have negatively impacted me, specifically : 1. Misrepresentation of My Personal Information Experian, has inaccurately recorded my personal information, including names, date of birth and addresses that do not belong to me. Despite my attempts to correct these errors, Experian has failed to take appropriate action. The incorrect names and addresses appearing on my credit report are XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX Inaccurate Credit Reporting  Experian has reported closed accounts that should no longer be on my credit file, which is negatively impacting my creditworthiness. I have attempted to have these accounts removed, but they remain on my report. The accounts that need to be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These errors have caused unnecessary challenges, including potential credit denials and reputational harm. Despite my efforts to resolve these issues directly with Experian, I have not received a satisfactory response. 

I request XXXX assistance in ensuring that Experian properly updates my personal information, removes the incorrect names and addresses, and deletes the closed accounts and Charge-Offs that should no longer be reported. Please let me know if you require any additional information to proceed with this complaint
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX I requested the credit bureau to investigate the inaccuracies in this account, XXXX XXXX XXXX XXXX XXXXXXXX to ensure accuracy. On XX/XX/year>, the credit bureau sent their investigation results stating the account was verified and updated. This can't be correct as the LAST PAYMENT MADE date remains incorrect. The FCRA prohibits inaccurate or misleading reporting under FCRA 605 ( a ) ( 15 U.S.C. 1681c ) - A charge-off may only be reported for 7 years from the date of first delinquency. Multiple listings may create an unfair extension of negative reporting. Also, under the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, the credit bureau must provide the names and business addresses of everyone with whom you verified the information.
Product: Debt collection

Email received from XXXX XXXXXXXX XXXX purporting to be PayPal. The body of the email contains this text ( below ) and a PDF attachment. I DID NOT OPEN THE ATTACHMENT. It is attached. 

This is fraudulent. I rarely use and owe nothing on PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$360000.00} XXXX XXXX Balance XXXX {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting a Debt Collection that is no longer open and has been requested for a deletion by XXXX XXXX XXXX, XXXX. This was requested on or aroundXX/XX/XXXX. This is a direct violation of the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). As follows is a copy of information received from XXXX XXXX XXXX, XXXX following compliant ID # XXXX. 
This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau. The account in question was referred to our office for collection in XX/XX/XXXX. As you had requested, verification of the obligation was mailed to your home address in Texas on XX/XX/XXXX. In light of your dispute of the underlying obligation, we have closed this file and returned it to our client. As such, you will not receive any further communication from our office concerning this matter. Additionally, we have instructed the credit reporting agencies to delete any update we may have placed on your credit profile. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Managing Member/General Counsel XXXX XXXX XXXX
Product: Debt collection

I was contacted by Preston Clark & Quinn ( PCQ Associates ) in XX/XX/XXXX regarding a debt for a charged off credit card from the XXXX XXXX. I established a payment plan with them to resolve the debt, and made 2 payments onXX/XX/XXXX ( from two separate accounts ) to settle the debt in full. The company never sent me a paid in full letter per the verbal agreement, and has been unresponsive to phone calls, voice messages, and email requests for the debt settlement letter or contact information. The original creditor recently started to withdraw money from my military pay in XX/XX/XXXX, which is how I discovered that PCQ Associates defrauded me.
Product: Debt collection

The company reports that I owe XXXX to them. I have know of LVNV.. I have never used their services or signed anything associated with them. I have disputed this with the credit agency and it is still pending this same debt is also listed on my credit report twice.
Product: Credit card or prepaid card

The credit card statements fail to indicate the correct balance subject to each specific due date f or each balance transfer due. This inhibits retail customers from knowing the expiration date for each balance transfer amount and makes it more likely the consumer will be charged additional i nterest. I'd like to know if it is a requirement for this info to be provided and if not, what congres sional body ( committee ) I could contact to have them evaluate this concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have a student loan with Younomics serviced by University Accounting Services ( UAS ). XX/XX/XXXX, I entered into an agreement with them to reduce my monthly payment to $ XXXX/month. Since then, 1 ) the bill I receive from UAS every month says that my " total payment due '' is {$300.00} '', XXXX ) When I log in to pay my bill in the UAS ' website, my amount due is {$300.00}, 3 ) I have made a {$300.00} payment every month since then, including my XX/XX/XXXX bill. However, I saw in my credit report that Younomics/UAS made an adverse credit report on XX/XX/XXXX stating that my account was 30 days late. Younomics/UAS has not sent a single correspondence to me telling me that I have a past due and why I have a past due after making the " total payment due '' written on the bill and listed on the UAS 's website as I pay my bill. This is not the first time that Younomics/UAS has made an adverse credit report on my account when they have failed to send me a bill that clearly reflects what I must pay for my account to be current. The billing ( and other communication or lack thereof ) is simply incomprehensible. It appears that the " total payment due '' is not really the " total payment due '' and that I must somehow find ways to ascertain the amount I must actually pay or anxiously wait for my credit report to see if the " total payment due '' was in fact the " total payment due '' or whether there was something hidden behind the " total payment due '' that I failed to guess and must now suffer the adverse credit report consequences. I do not understand why I should be penalized for making a timely payment of the " total payment due '' and all I am asking of Younomics/UAS is to first rectify this adverse reporting that I believe to be unjustified and to send me a monthly bill with a " total payment due '' that is in fact a " total payment due ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> I Never Applied for this account, this is unauthorized and inaccurate.
Product: Credit reporting

Transunion has sent me a copy of a document dated XX/XX/XXXX which they claim confirms the tax lien which I am disputing is valid and legally allowed to be reported to my name for a dispute in XX/XX/XXXX. I am flabbergasted at this companies actions and terrible investigate work in verifying a dispute dating all the way to XX/XX/XXXX until today with a document dated nearly 5 years old. They have repeatedly threatened me on the phone and by mail that I am NOT allowed to dispute this item any more. I believe that this is another attempt to lie and fool consumers into shutting up and going away. This lien is no longer under my name I demand that Transunion send me the PROPER and CURRENT documentation if they disagree. I want my signature, my tax returns verifying that I owe anything to the STATE as late as XX/XX/XXXX will be acceptable in avoiding litigation. I want the proper and current dated documents mailed to me certifying and verifying this lien as mine. I want to know who they spoke to and if they forwarded the documents I sent the showing the withdrawal of the lien. This lien was negotiated and paid in full through the 'reconveyence program ' though monthly installments. I have spoken to the Franchise Tax Board personally and they have informed me that they have not received any documentation or calls from anyone at Transunion. Please delete this withdrawn, inaccurate and invalid lien from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX : XX/XX/XXXX todays date : XX/XX/XXXX RE : Investigation Request to Delete fraudulent account To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. { Creditor Name } XXXX XXXX XXXX XXXX XXXX XXXX XXXX { ac # } XXXX { Reason for Dispute } fraudulent/ not my account or debt INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX  { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX  XXXX XXXX  { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX  { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX  XXXX { inquiry date } XX/XX/XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XX/XX/XXXX my husband ( we have since divorced ) did not pay his GA State Income taxes. When I discovered in XX/XX/XXXX that they had gone unpaid and two tax liens had been filed jointly against us I called the GA Department of Revenue to go on a payment plan. In XX/XX/XXXX both liens were satisfied and marked paid, satisfied and cancelled. This was also officially recorded with the Clerk of Superior Court. 

Following my Divorce in XX/XX/XXXX I wrote all 3 CRA 's with supporting documentation to request that the liens still remaining on my reports be removed. I was instructed to contact the State of GA directly in order to do so. However, GA Dept of Revenue informed me the Department has no control over what public information a credit bureau chooses to keep or report. Furthermore, although the liens had officially been withdrawn the Department does not report the recording of state tax liens to any such agencies and therefore has no responsibility to instruct a CRA to alter any derogatory reports even if they remain in error.
Product: Debt collection

I sent CREDIT COLLECTION SERVICES an Affidavit of Truth, & invoice, via certified mail in XX/XX/ XXXX for a multitude of Federally protected Consumer rights violations under 15 USC 1692. The bad debt furnished on my consumer reports is ruining my reputation, and it is defamation of character under Federal law.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end 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 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

The caller ID listed : XXXX XXXX XXXX  ; as the caller from XXXX, TN XXXX. This is a local number and area code. The call was automated and left a message that there is no problem with my Discover credit card account. I do not have a discover card. They want to activate additional features on the card to step up my using the account ; which I don't have.
Product: Checking or savings account

On XX/XX/XXXX I signed up for a new Truist checking account using code XXXX to register as a part of their new personal checking customer offer, which has the following qualifications : Open Truist XXXX Checking Online. Earn {$400.00} with qualifying activities. 

XXXX. As a new personal checking customer, open a new Truist XXXX Checking account online from XX/XX/XXXX through XX/XX/XXXX using promo code XXXX You must open the account online and enter the promo code to be eligible to participate in the promotion. 

XXXX. Receive at least XXXX qualifying XXXX XXXX totaling {$1000.00} or more within 120 days of account opening. 

XXXX. The reward will be deposited to the new checking account within XXXX weeks after the qualification requirements have been met and verified. Truist verification will occur XXXX time after the qualification requirements are initially met. The new checking account must be open and in good standing with a balance of at least {$0.00} at the time of Truist verification and until the reward is deposited to receive the reward. 

On XX/XX/XXXX & XX/XX/XXXX there were ( XXXX ) Direct Deposits made, {$1000.00} each. 
On XX/XX/XXXX & XX/XX/XXXX there were ( XXXX ) Direct Deposits made, {$1000.00} each. 
On XX/XX/XXXX there was ( XXXX ) XXXX XXXX made of {$1000.00}. 

Per their sign-up instructions, all qualifications have been reached, but as to date XX/XX/XXXX, the {$400.00} has not been deposited in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to reach live representative, unable to retrieve six digit passcode via text, apparently Experian inputted wrong telephone number into their system. 

In a nutshell, unable to lift freeze. Unable to reach live representative. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

{$7400.00} the company, keeps harassing me and calling me still, I want to date deleted from my credit report for harassment, also, I sold my information without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth letter submitted to you informing you that I am a victim of identity theft and I complain to question certain records in my file coming about because of some inattention. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, block the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$97.00} ; XXXX  XXXX Balance : {$53.00} ; XXXX  XXXX Balance : {$76.00} ; XXXX  XXXX Balance : {$71.00} ; XXXX  XXXX Balance : {$63.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$91.00}