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

Update personal Information Dear TransUnion, I am contacting you again in regards to my credit profile and unfortunately I am still seeing that information on my report is still being listed although XXXX inquires was deleted from my credit report from my last dispute on XXXX XXXX XXXX it still shows invalid inquiries and a XXXX XXXX XXXX XXXX XXXX XXXX XXXXhat should have been deleted due to inaccurate personal information that was attached to the account. The name attached is XXXX XXXX XXXX. The correct spelling of my name is XXXX XXXX XXXX XXXX XXXX  This is in violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy and also is a serious breach of my consumer rights, and U.S.C 1681b ( a ) ( 2 ). Reason why the account is inaccurate is due to the listings of. 
Personal information ( Names, address, Employments, and Telephone numbers ) Opening account dates Closing account dates Last reporting dates Above are the listings of inaccurate items attached to the account XXXX XXXX XXXX XXXX XXXX XXXX  ). This company fraudulently started my account while falsely using my identity and furnished my consumer report under no permissible purpose, which is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Recently after filing a dispute for this matter. TransUnion followed up with a verification message stating that I paid a settlement. The purpose of doing so was to terminate the debt so that the debt would be relieved. Although this was a fraudulent account I figured paying it off will make it go away instead. Paying it under the agreement that it would be terminated off my report the debt collector lied and listed it as a charge off although this was never an account that I gave my permission to start with. With this letter I am also sending enclosed documents with my state and federal personal information, these documents are proof that my name was used incorrectly for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For the prior inquiries that was removed on accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I submitted a request to all three major credit companies, XXXX, XXXX, and Experian, on XX/XX/2022. I asked to have an investigation done on various accounts on my credit report, including some that I stated may have been fraudulent. I sent my inquiry letters by certified mail and got a receipt of delivery which I can provide if needed. I received a response from only one company XXXX on XX/XX/2022, requesting more information. This was sent 5 months after receiving my initial request. I received no response from the other XXXX companies. It is now XX/XX/2022. This is unacceptable and from my understanding, they are to remove the requested items due to their lack of response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried disputing Allydirect.com information with XXXX  Credit Bureau chat line Representative XXXX on today XX/XX/XXXX after XXXX but representative did not update record but instead disconnect the chat. Ive paid XXXX in full in XXXX but XXXX did not post to my account until the first week of XX/XX/XXXX. Ive disputed this record numerous times but no success. XXXX  Credit Bureau has updated the information on their site as paid in full and account closed but when I told the representative XXXX with XXXX  per the representative statement that they do not update record for XXXX  which wasnt request I was asking and Im not sure how or why this type of response was given. I tried sending the chat request again to explain what Im requesting but the representative closed the chat in the middle of my response. XXXX has prevented me in placing a dispute due to no option for me to select the company. The balance is reflecting in the total debt but I dont see the company to select it to dispute and the representative did not take my request to place a dispute.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. The fraudulent, inaccurate, and false information consists of the following personal accounts and collections appearing on my consumer FICO credit report : Account Name : XXXX XXXX Account Number : XXXX Current Balance : {$16000.00} Date Account Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Current Balance : {$10000.00} Date Account Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Current Balance : {$150.00} Date Account Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Current Balance : {$2000.00} Date Account Opened : XX/XX/XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me and are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # [ private case number ] as proof from the U.S. Federal Trade Commission confirming that all of the aforementioned consumer credit accounts, collections, and hard inquiries are fraudulent. Additionally, I have included a copy of my consumer FICO credit report maintained by you, highlighting the fraudulent items. Pursuant to FCRA 605B, I request that these fraudulent accounts, collections, and hard inquiries be blocked from my consumer credit report within 4 business days of receiving this complaint. Please confirm in writing that these items have been removed or provide a detailed explanation for any refusal to comply. If I do not receive a response within the required timeframe, I will escalate this matter accordingly.

Thank you for your prompt attention to this urgent matter.
Product: Checking or savings account

Iv already tryed to resolve this but since it's not my account I can't get any help. Iv tryed to resolve this irs too. I have proof that it was deposited into someone else account. Why would it be deposited into a account that wasn't mine..
Product: Debt collection

Today like most every single day a man will call and say " XXXX XXXX XXXX XXXX XXXX '' I'll say something like " XXXX '' then they will announce that are from Amican debt consolidators and subsequently ask me " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' At first I simply asked to be put kn the " XXXX XXXX XXXX XXXX '' then I'll recieve an answer like " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' I'll repeat " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' then they hang up and the next day I get the same call. This has happened over XXXX times! 
I have tried becoming increasingly rude but to no avail. Please help, if possible I would sue them for harassment as this takes my time and focus daily! Please help me force them to stop calling, thank you kindly.
Product: Bank account or service

I have had numerous unauthorized withdrawals from my checking and savings accounts with Suntrust Bank, XXXX was an illegitimate Pay Pal account that was withdrawing directly from my savings and checking accounts. When I approached the bank to have these rescinded the person assisting me assisting me asked if I had a pay pal account, to which I answered yes one that is tied to my debit card not my bank accounts. He intimated that I was at fault and that he would not help me, that I should contact pay pal and have them do something. I contacted pay pal, sure enough the person stealing my money did not have a legitimate pay pal account. I was instructed to contact the police to have this matter looked into and that I would have my money refunded. No refund, no help from the bank. A few days later the same thing happened to XXXX of the XXXX new accounts that I had opened, to prevent any further withdrawals from taking place, no help from the bank. This is XXXX issue I have with this bank, the other was a recurring charge that took place monthly but the bank would not help me locate who the money was sent to so that I could have it stopped. I contacted the XXXX number and was told that all moneys were going to be refunded upon their receipt of a signed affidavit sent to me by e-mail, I never received the e-mail, called again was promised the same thing, no e-mail, called again and was told I would receive XXXX in the mail, you guessed it no affidavit. I have since closed that account to prevent this from happening any further but in so doing my claim for the refund has been rescinded. An additional problem is concerning a separate account that was being charged a monthly fee when it should have been no charge as there was a direct deposit being made to that account as per the bank 's requirements. I do n't trust this bank nor do I think they are very interested in customer service.
Product: Debt collection

To whom this may concern I am XXXX several disputes to Experian XXXX and XXXX about these hard inquiries that have been placed on my credit report due to XXXX XXXX activity I have been a victim of identity theft for the past seven years and I have also locked up my social security number and they'll still let people do inquiries on my account when it is locked I have complained to this company I've complained to all 3 bureaus and nothing has been done if you look at my credit report I have no credit 's all of my debts which I really have none I just took out a lease lease the car I'm up to date on my payment I don't have not ever
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed there are still XXXX inconsistencies on my account. I disagree with the account listed below even after your investigation. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number XXXX XXXX In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI Section 611, Subsection A-D. XXXX/Transunion & XXXX has failed to investigate this account properly after repeated attempts to have the account updating accurate information which have once again violated my consumer rights. The account shows a charge off listed on XXXX 2023, however there was a payment on XXXX  2023 and the account was paid in full before charge off period on XXXX  2023. The charge off listed on XXXX 2023 is inaccurate along with multiple other inaccuracies. The accounts have NOT been updated. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number XXXX XXXX
Product: Debt collection

For the first time I ordered XXXX credit report XX/XX/XXXX I found in my XXXX credit report # XXXX dated XX/XX/XXXX XXXX cards under Capital One Card I tracked five of them ended with last four numbers XXXX, and XXXX I was confused I dont know which one is mine and which is not I found out that Capital One sell cards to another Capital One and both the seller and the buyer claim the debit the cards ended with XXXX or XXXX took me to court it was ended with judgement of dismissal Docket # XXXX copy attached because they did not proof my possession of the cards. Through the credit card report I found two cards opened on XXXX  XXXX, XXXX, two cards opened on XX/XX/XXXX, one card opened XXXX XXXX, XXXX, one card opened XX/XX/XXXX and one card opened XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from Capital One XXXX XXXX XXXX, UT XXXX talking about charge off account in less 30 days if no payment I ignored the letter because it was not my last name ( document # 28 ). On XX/XX/XXXX ( document 27 ), On XX/XX/XXXX ( document 26 ) and XX/XX/XXXX ( document 25 ) letters received from collection agency XXXX XXXX I respond to the last letter disputing the ownership of the card ending XXXX ( document 24 ) I called in Capital One to dispute the ownership and claim a fraud on XXXX, XXXX I received a letter saying no signs of fraud. On XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX I received those letters from collection agency XXXX XXXX I kept calling Capital One with no results I noticed that they are trying to collect information from me to add to their records ( document 18, 17, 16 and 15 ) XXXX XXXX collection agency sell the debit to XXXX XXXX XXXX XXXX collection agency ( document 14 ) I disputed the ownership of the card in my respond letter ( document 13 ) then I received a letter from XXXX XXXX XXXX ( document 12 ), XXXX XXXX XXXX ( Document 10 ), XXXX XXXX , XXXX ( Document 8 ), XXXX XXXX XXXX ( document 7 ) and returned back to XXXX XXXX XXXX ( documents 5, 4, and 2 ) I disputed all ownership but XXXX XXXX XXXX were very aggressive they reported the debit as delinquency account to all credit agencies. 
Please find attached all documents proofs that the last name on the card ending XXXX is not my last name in MASS ID, Passport and SS Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX XXXX XXXX collection that was removed in XXXX of XXXX as it hit the 7 year limit. There was also a duplicate collection, XXXX, who purchased the XXXX debt in XXXX. I was able to prove these were duplicate collections and had the XXXX  collection also removed when the XXXX collection dropped. Recently XXXX reported this collection again and I again asked this to be removed as it is a duplicate re-aged account. I understand this is an illegal act as you can not have a collection on your account more than 7 years. The credit reporting agencies wont remove it now but it should not be on my credit past XXXX they noted it was due to covid but this is not the case. at this point this item has been on my credit for more than 7 years now. I'd like XXXX removed from the three credit reporting agencies as its a duplicated re-aged collection.
Product: Debt collection

NEW UPDATE! 

NOTICE REGARDING FAILURE TO PROVIDE SIGNED CONTRACT TO LAWFULLY VERIFY AND VALIDATE ALLEGED DEBT. 

On XX/XX/23 I submitted a NOTICE of DISPUTE regarding alleged debt that ACCOUNT RESOLUTION SERVICES is claiming I may owe. In that Notice of Dispute I stated as a consumer a federally protected consumer under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, the Gramm Leach Bliley Act and that I have the right to privacy. I also requested a signed contract between both parties myself and ACCOUNT RESOLUTION SERVICES to lawfully verify and validate any contracual agreement between myself and ACCOUNT RESOLUTION SERVICES. See Exhibit A PLEASE note that I did not receive any documentation or material facts regarding any claim. If you are engaging in in ANY deceptive or misrepresentation or False claim you are in Violation under the Fair Debt Collection Practices Act. 

If you continue to engage in any unlawful, deceptive, Identity Theft, extortion, FRAUD or Racketeering activites i will seek legal action against you. 

Regards, XXXX XXXX
Product: Student loan

I 'm having an issue w/ fedloan switching me from PAYE to IRB without a clear reason some time after I consolidated my loans with them last year. I 've spent hours talking to them on the phone and they do n't have a reason for why this happened and keep telling me they will look into it. No progress has been made and they basically stop responding to me until I contact them at which point they say they will do a review of my acount. Please see below for my most recent email exchange with them : From me XXXX XXXX XXXX : Hello. On XXXX I spoke with a representative about my repayment plan. I had qualified for the PAYE but for some unknown reason I was switched to the IBR plan ( this was months ago ). At that time I asked why I had been switched and there was no clear reason they were going to submit it for review to have me switched back. This did not happen. On XXXX I spoke with a representative about this again and I was transferred to someone more senior who said again that there is no clear reason why I was switched off of PAYE ( or why my review either was n't done or did n't result in any meaningful conclusion ) and that she would submit another request for review. I want to know what the status of this is and if/when I will be switched back to PAYE. If I will NOT be switched back I would like a clear explanation of why instead of " oh that is strange lets submit it for another review. '' Thank you for your time. 

From FedLoan XXXX XXXX XXXX Please accept our apologies for any inconvenience or confusion that this situation may have caused you. We wish to work with you to achieve successful repayment of your student loans. 
Unfortunately, due do the applications date of XXXX XXXX, XXXX, we are unable to reprocess this application to have the Pay As You Earn Repayment plan applied to your account. To have the Pay As You Earn Repayment plan applied to your account, you will need to request this on a new application. ( They then explain how to do that ) From me only XXXX XXXX XXXX XXXX, I do not understand your explanation of why I was not on PAYE in the first place. Please elaborate. I can not make a standard payment X 1 month to switch plans. I would prefer to not request forbearance as I think it will probably end up costing me more money in interest ( on IRB there is some interest benefit right? ) I 'm sure you can understand my frustration as I have been told that I did indeed apply for PAYE and was erroneously placed on IRB without an explanation. If you are unable to resolve the situation I 'd like to speak with a supervisor. I recertified my current plan under the advice of the agent I last spoke with on the phone who recommended I do that while they sorted out why I was n't on PAYE. 

From FedLoan XXXX XXXX XXXX : At this time, FedLoan Servicing is comprehensively reviewing your account to address your concerns. We apologize for the delay in responding to your email. However, please be assured that a response will be sent to you once our review is completed. 

We truly apologize for the inconvenience and confusion that this situation has caused you.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion to have them remove multiple inquiries in my credit report. They are unauthorized and I have submitted a police report and every document they have requested with no resolution. My next action will be to include TransUnion in my active fraudulent case for not following section 609 act. The call center supervisor keeps reading a script to me without listening to my actual concern. I would like to be contacted or I will sue TransUnion for keep incorrect ion information up that benefit them and hurt me in the process. I will go public and will speak to all media outlets until this is resolved.
Product: Debt collection

AllianceOne Debt Collector sends text messages to my cell phone after XXXX, they were texting me at XXXX this week. This not only incredibly unprofessional, but also disruptive.
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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : U.S. Bankruptcy Court Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry I believe that these items are inaccurate and do not reflect my true credit history. As per the Fair Credit Reporting Act, all information reported on my credit report must be accurate and verifiable. However, the items listed above are either outdated, incorrect or do not belong to me. 



Regarding the late payment accounts, I would like to inform you that I have been a responsible borrower and have always paid my bills on time. Any late payments made were due to unforeseen circumstances and were not a result of my negligence or inability to pay. 



As for the charged off accounts, I dispute their validity as I have no record of any outstanding debt with these institutions. I request that you provide me with detailed information on these accounts, including the name of the creditor, the account number, and the amount owed. 



Furthermore, I request that you investigate the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any business dealings with these institutions and I am concerned that my personal information may have been compromised. 



I kindly request that you remove these items from my credit report or provide me with evidence that proves their validity. I look forward to hearing back from you soon. 



Sincerely, XXXX XXXX
Product: Debt collection

i saw a doctor last XX/XX/2021 this vist was for a " well check '' this is bill for {$16.00} cents i have no idea what this id for a while back i received 2 others bills for around {$50.00} which i paid. 
this is unbeliveable that a year later i get another bill, and worse comes from a collection agency ... ... ... ... ... ... ... ... .....