23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I requested a validation of debt with the collection agency Hunter Warfield when I received a bill for {$510.00}. I advised them that I did not owe XXXX and that I would like all charges verified and explained. I received a letter from credit agency dated XXXX/XXXX/XXXX stating that they received my request for verification of debt and needed more time. THe letter clearly states they will suspend collection activity and credit reporting until they can properly validate the debt. Months passed with no contact or validation. On XXXX XXXX I received a call from the agency attempting to collect the debt. This agent had no record of my request for validation. I advised the collector I received a letter from them acknowleding my request for verification of debt, he asked me if i had a copy of the letter they sent me. I told him yes, but to look in his records if he needed to verify it. I advised the collector that by the Fair Credit Reporting Act they had 30 days to respond and did not, and that per my letter he was not supposed to be attempting to collect on the debt. This agent proceeded to threaten me that he will ruin my credit if i do n't agree to pay. I advised him to look at their records and it will clearly show I requested a Verification of Debt. He repeatedly just asked so you are refusing to pay the debt over and over. I continued to advise him I am not refusing to pay and it was an invalid debt that was disputed with their agency months prior to his call. He continued to disregard what i was telling him about violating the FDCPA and that he could not act like this was the first collection call regarding the bill. I told him by law their time passed and even on the call he could not provide the information I requested 4 months prior. I advised him to research his records and to stop calling me because he is in violation of several laws. The agent hung up on me. A few weeks later I noticed the collection account on my credit report. I sent the agency a certified letter, which they signed for on XXXX/XXXX/XXXX. I advised them they did not validate the debt and that is was not a valid debt to remove from my credit report immediately. I advised them on the treatment from their agent and all the laws they have violated. I informed them that the bill went from {$510.00} to {$2200.00} and that was falsifying information to my credit report. I received a 2nd bill from them dated the same day XXXX/XXXX/XXXX but with the new amount {$2200.00} that again was not itemized of the bogus charges. As of today, almost 6 months later, they still have not responded or removed the account from my credit reports.
Product: Mortgage

I have been working with my lender on a modification and they advised me that they do n't recvieve the docs and i have to refax them 3 or 4 times and now they keep giving me the voicemail and i can never get anyone on the phone to see what 's going on. Please help me to keep my home.
Product: Payday loan

Cash Central at XXXX XXXX XXXX XXXX, XXXX UT XXXX phone XXXX XXXX XXXX obtained a HARD Inquire from my XXXX credit files on XX/XX/XXXX without having my application for a loan fully completed. I could not provide XXXX references in order to have my application fully approved to procede with the application for a short term loan ; consequently, my application NEVER was approved. Cash Central decision to traspass my XXXX files with a HARD inquire had damage my financial needs since a HARD inquire had lowered my CREDIT SCORE.
Product: Debt collection

This company is informing all major credit bureaus that i owe numerous accounts with XXXX XXXX XXXX. They have not presented a wet ink signature contract with them and this debt they claim i have is not valid. This company needs to remove this wrong information or i will consult legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed that Experian shows 6 missed payments on my credit report. I do not have missed 6 payments, all other major credit bureaus report all my payments are 100 % on time. 
Experians setup of their website makes it impossible to file an online complaint. I tried several times and it won't allow me to submit the complaint. I think this is done on purpose, so they don't get " bothered '' with customer complaints. I also sent them a letter, and -not to my surprise- never received an answer. 
I can't even find out, what the falsely claimed missed payments are ; Experian does not provide this information.
Product: Credit reporting or other personal consumer reports

These are the accounts that I have marked as inaccurate on 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
Product: Checking or savings account

I need to connect my XXXX  with my PNC account
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 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 and XXXX XXXX XX/XX/XXXX. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX I'm writing because I noticed Navy Federal Credit Union ( NFCU ) reported late payments and utilization information on my consumer reports. I am requesting that these experiences/ transactions be removed from my XXXX XXXX XXXX and XXXX XXXX reports. 

According to the FCRA 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) - Definitions ; rules of construction.

Section 2 - Exclusions states : Except as provided in paragraph ( 3 ), the term consumer report does not include subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer ( me ) and the person ( NFCU ) making the report.

Congress clearly states the reports of transactions and experiences are not included in the consumer report. Therefore, NFCU has violated 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) by reporting these transactions/experiences on my consumer report. 

Sincerely, XXXX XXXX
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : 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 card or prepaid card

I have contacted beginning XX/XX/2022 instructing them they have no permission or consent to share my personal information to third parties. And requested they remove my personal information and creditworthiness from all third parties/non affiliates. They continue to provide my personal information to third parties and non affiliates without my permission or consent violating Federal law and American Express data sharing privacy policy.
Product: Debt collection

Debt was incorrectly filed and was not filed in a timely manner with the Veterans Administration. VA denied claim for those stated reasons. Debt if for my Brother, who passed away on XXXX XXXX. Informed agency of this, and that I am the executor of his estate. This matter is prohibiting me from closing out my brother 's estate with the probate court, due to it being filed as an outstanding debt. The debt was not file correctly with the responsible agency, resulting in it be denied. Collection agency is now trying to collect against my brother 's estate for a debt that he was not responsible for. Two debts for hospital emergency room treatments. XXXX XXXX XXXX XXXX XXXX, AL XXXX in the amount of {$2000.00}. XXXX XXXX XXXX XXXX XXXX, AL XXXX in the amount of {$1400.00}. My brother was a XXXX veteran which both agencies should have file claims with the veterans administration. Debt collection company refuses to assist in this matter to resolve this issue so that I can close out my brother 's estate with the probate court. Spent 96 minutes on a three way call with collection company and VA to resolve issue, with agent from collection company became rude and offensive. XXXX XXXX XXXX XXXX. Collection company XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Mn XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE ALL REPORTING FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THESE ARE THE LIST OF FRAUDULENT ACCOUNT THAT ARE BEING REPORTED ON MY CREDIT REPORT : XXXX XXXX XXXX : XXXX no : XXXX Balance : {$51000.00} XXXX XXXX XXXX  : Date Opened : XXXX XXXX, 2021 : Balance : {$50000.00}
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX  XX/XX/XXXX ) 2. ( Department of Education XX/XX/XXXX ) 3. ( XXXX XXXX XXXX XX/XX/XXXX ) 4. ( XXXX XXXX XXXX XX/XX/XXXX ) 5. ( Department of education XX/XX/XXXX ) 6. ( XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) 8. ( Department Of education XX/XX/XXXX ) 9. ( XXXX XXXX XXXX 10. ( Department Of education XX/XX/XXXX ) 11. ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) 12. ( XXXX XXXX XX/XX/XXXX ) 13. ( XXXX  XXXX XXXX  XX/XX/XXXX ) 14. ( XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) 15. ( XXXX XXXX XXXX XX/XX/XXXX XXXX 16. ( XXXX XXXX XX/XX/XXXX ) 17. ( XXXX XXXX XXXX  XX/XX/XXXX ) 18. ( XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copiestt of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX I have two collections accounts recent reported by XXXX XXXX in XX/XX/XXXX for 2 medical collection accounts in the amounts of {$1100.00} and {$830.00}. These are being reported to all 3 major credit bureaus ( Experian, XXXX, and XXXX  ). These 2 collections accounts are being reported as of XX/XX/XXXX with a Date Opened of XX/XX/XXXX. These same 2 accounts were already reported previously by XXXX XXXX XXXX  with XXXX XXXX XXXX being the original creditor. The 2 collection accounts reported by XXXX XXXX were in the amounts of {$1100.00} and {$830.00}. Both accounts were deleted from all credit bureaus as these were falsely reported accounts. XXXX XXXX 's collection accounts had Reported Dates of XX/XX/XXXX, and Date Opened of XX/XX/XXXX. So as you can see, not only are their discrepancies in dates, but it is obvious these are the exact same accounts just resold to another debt collector, despite the fact both accounts were already deleted and removed from all my credit reports. I was never provided notification, or allowed to contest this information. Once a debt comes off of your credit report, no furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, disguise it and re-report it, without notifying you and giving you the opportunity to contest it. Is this not correct? I am in the middle of being approved for a mortgage and this is an absolute joke that the bureaus even allowed this information to slip past and be re-reported. Quite honestly I could pursue legal avenues and not only get my credit report cleansed of the false information, but I am also likely entitled to monetary damages. XXXX XXXX has already been contacted twice with no response received. Experian validated the debt even though it is clearly a re-reported account that they themselves already deleted from my report when it was initially filed under XXXX XXXX XXXX. I opened disputes with all credit bureaus, and a complaint with the XXXX  against XXXX XXXX In which, XXXX   immediately responded and said for me to reach out via email. Which I have twice, and have received no response. I will continue to open complaints, and seek legal counsel if these are not removed. These are in complete violation of the FCRA. It is an FCRA requirement that the credit reporting agency notify you no later than five days after the date of reinsertion. It doesn't take a rocket scientist to realize these are the exact same debt collection accounts, just being reported under a new collector and new account number. Do your jobs credit bureaus it would take 2 minutes to realize these amounts tie out to each other and should have never been reinserted, not to mention it is in direct violation since you never sent me a notification.
Product: Credit reporting

This company called Clarity has obtained my social security number and submitted repeated inquries that are showing up on my XXXX report and making it hard for me to open a bank account. I have never given this company permission to do anything. I want all inquiries from this company removed from XXXX.
Product: Debt collection

Early morning of XXXX XXXX I received email from XXXX XXXX  that 2 more fraudulent accounts were opened using my stolen information.Was never called or sent any notification either account was opened with my stolen information as I am the victim of fraudulent activity against me .Like most others, these are electric companies apparently in TX in which the companies, in this case, XXXX XXXX allowed identity thieves open an account using my stolen information without even minimum due diligence such as proper photo id, signatures, background checks for if they had they would see these were fraudulent.I feel XXXX  XXXX is allowing this fraudulent activity against me without the least verification.They would not and can not validate which is a predicated minimum of my rights, and I know they cant because you can't prove something that doesnt exist, and isn't mine and I don't owe them anything.They and their debt collectors have not met any minimal professional requirements and feel they've skirted the requirements their mandated to follow to credit slander my credit with intention fraulent credit reports.This is their negligence and they need to prove or remove.I urge them to be honest and adhere to requirements they have failed to meet and remove the fraudulent credit report against me.Its cost me overwhelming stress, loss of credit cards, financial hardship and other damages.They need to clean their own mess up it is not my obligation nor could I trust them since they've already shown total disregard for integrity, professionalism, diligence, rules and requirements and my rights as a consumer through their false and fraudulent credit reporting damaging me further.The predicate is on them to prove, they can not as its impossible. As it doesn't exist, is not mine and I do not owe them anything.I seek to hold them properly accountable and remedies and relief for their disregard for my rights, rules, regulations, and damages should they continue their reckless dishonest practices.It is not my obligation to provide them anything, to the contrary the responsibility is on them and they can't meet the standards of proof in no way as it is not mine.So I urge them to do their own investigation of their negligence that's caused me untold damages of huge amounts and to remove any and all false and fraudulent credit slandering financially damaging wrongs against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has not resolved all my credit disputes properly. 
Specifically, XXXX XXXX, and XXXX XXXX XXXX and refuse to actually investigate. 

The worst part, there isn't anything to investigate because I resolved it. Personally. With my wits and XXXX. 

I sent a copy of the settlement agreement over 30 days ago. It has been " remove ' but 3 agents told me over the phone they don't know how that affects the score. 

The business agents, of a legal quasi-governmental agency, responsible for determining credit worthiness, doesn't have the capacity to tell me over the phone how certain actions impact my score. 

That's like an ice cream man selling ice cream without knowing the flavors. 

As a business agent, their receptionist should understand the impacts of credit. If they don't their supervisor should. In my expert opinion, 8 years customer service, that is a train wreck. There is no recourse to sue them. They are slower than mollases and I'm positive people aren't running to take care of their debt right now. Studies show they do the opposite. 

Point. 
It shouldn't take 30 days. The full 30 days when I have been disputing these accounts for almost 3 years. 

Now they are fully resolved and the agents don't know the impact of resolution, don't understand english most of the time, and don't know the legislation governing their business. 

A business agent, in scope of duties, is negligent, and proximately caused the result of a lack of ability to gain more credit. Due to, their inefficiency. 

Don't believe me, listen to the call placed Monday XX/XX/XXXX, beginning at XXXX XXXX central time. Right now its XXXX, I spoke to 4 agents and nothing has been fixed. 

That's malice multiplying damages at state and federal level. 

Stop playing with me and get this off my credit and offer an explanation why things are taking the full 30 days, when numbers from various sources show most people do not resolve debt in a recession, inflation filled, pandemic. C19 been around a year, that excuse doesn't fit anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to TRANSUNION there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Accounts : XXXX XXXX , Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the rights 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 Also the credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking # XXXX # XXXX # XXXX # XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit bureaus equifax, XXXX, XXXX about incorrect information on my credit report and they never respond or never remove the information thats incorrect on my report Ive called and mailed them at least the last 6 months 7 or more times Im so frustrated with this I dont know what to do its ruining my reputation They are violating the law my right to privacy and my right to fair credit reporting USC 15 1681
Product: Credit reporting or other personal consumer reports

I ask this company for my signature that I had a contract with them they said they dont have one that is illegal fraud and identity theft I want this off my credit report asap also ask them to send paper to show me they can collect on this debt I never received it