23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Deceased parents debt. There was no estate left behind, Global debt collection XXXX XXXX XXXX keeps call me and my sister about this debt.
Product: Debt collection

I already sent a creditor letter and debt validation letter for the account listed under my name which is giving a bad impact on my credit report. I disputed it for lack of accuracy for the item added to my account. 
The account was under XXXX XXXX ( Original Creditor : XXXX XXXX ) last updated in the sum of {$540.00} on XX/XX/2021.
Product: Debt collection

A signed affidavit was sent and delivered to the CEO of the company, XXXX XXXX XXXX on XX/XX/2021 about an account and an alleged debt owed. There was a 5 business day time period to respond with an affidavit rebuttal pursuant to 15 U.S. Code 1681i ( 6 ) ( A ) due to past failure to comply. Without and affidavit response with rebuttal point for point you agree to fault judgment in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact as an unrebutted affidavit stands a truth in commerce.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct my incorrect credit score with XXXX and TRANSUNION since XX/XX/2020. I have sent 2 certified letters, made countless phone calls taking hours, and did not achieve a correction. I also hired an attorney, who also could not achieve a correction. 

Here is the issue ; I have 3 score factors " helping '' and 2 score factors " hurting '' my credit score on BOTH XXXX AND TRANSUNION. On XXXX, I have 4 score factors " helping '' and XXXX score factors " hurting. '' THIS NOTATION IN XXXX IS CORRECT. 

NOW : when I reach out to TRANSUNION AND XXXX  to rectify this wrong, all they keep doing is send me my credit report, and claim that it is correct as it stands. THE ISSUE IS, I AGREE THE CREDIT REPORT IS CORRECT AS IT STANDS. BUT, THE 2 FACTORS HURTING MY SCORE ARE " SERIOUS DELINQUENCY OR DEROGATORY INDICATOR '' AND " FEW ACCOUNTS IN GOOD STANDING. '' SO WHEN I GO TO MY REPORT TO FIND A DELINQUENCY OR DEROGATORY INDICATOR, THERE ARE NONE AT ALL! THIS IS WHY I AGREE WITH THEIR FINDINGS, MY REPORT HAS ABSOLUTELY NO DELINQUENCY AND NO DEROGATORY MARKER AND ALL MY ACCOUNTS ARE IN GOOD STANDING. BOTH XXXX XXXX AND TRANSUNION 'S CREDIT REPORTS REFLECT THIS ACCURATELY, BUT WHEN I LOG IN TO MY PAGE, THEY ARE STILL NOTING " 2 SCORE FACTORS THAT ARE HURTING MY SCORE. '' YET, THEY CAN NOT PROVE THIS ANYWHERE. HENCE, MY XXXX  CREDIT SCORE IS XXXX, AND TRANSUNION IS XXXX. For reference, XXXX  which got it ALL CORRECT awards me with a score of XXXX. I feel my scores from XXXX at XXXX and TRANSUNION at XXXX ARE INCORRECT. I NEED MY SCORES CORRECTED AND MY 2 " HURTING '' SCORE FACTORS REMOVED, AS THEY DO NOT EXIST. Again, my credit report is CORRECT from all 3 credit bureaus, but XXXX XXXX and TRANSUNION 'S score factors and scores are INCORRECT, as they do not reflect EXCELLENT CREDIT HISTORY EVEN THOUGH MY CREDIT REPORTS ACCURATELY REFLECT EXCELLENT CREDIT HISTORY. 

Please forgive my accentuation with the caps. I have gone through months and countless hours trying to get through to someone, and no one gets it on the end of the credit bureau. THIS IS AFFECTING MY LIFE in getting car loans and applying for a pre-approval for a mortgage to potentially purchase a home. It is not right when my score is incorrectly reflecting poorly on my EXCELLENT HISTORY. 

Thank you endlessly for any and all consideration.
Product: Credit reporting or other personal consumer reports

In regards to three accounts on the credit report,1. NETCREDIT, 2. XXXX 3. XXXX XXXX, In accordance with the fair credit reporting act, this creditor has violated my rights, under 15USC 1681 section 602 - states I have a right to privacy.

Under 15USC Section 81 Section 604A section 2, It states that a consumer reporting agency can not reporting agency can not furnish a account without my written consent.

Under 15USC Section 1666B A creditor may not treat a payment on a credit card under an open consumer account as late under any circumstances Thanks and best regards, XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX, Account # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting

" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

Suttell & Hammer refuses to provide me with a sworn affidavit that I owe XXXX XXXX any money, they keep sending me statements of an alleged account. However XXXXXXXX XXXX owes me a substantial amount of money since they securitized an account in my name, along the application, account and receivables and they have committed securities fraud and are being reported to the SEC. 

I have sent Suttell and Hammer and XXXX numerous notices and they will not comply with my CEASE and DESIST notices which is a violation of my consumer rights. 

Additionally, Suttell and Hammer and XXXXXXXX XXXX sued me in California when I did not live there and improperly served me and filed a frivolous lawsuit against me when XXXX XXXX doesn't have legal standing to sue since they sold the account opened in my name to a trust and they did not have my permission to securitize the application in my name, the account in my name and any receivables submitted to them under my name. They both are committing identity theft at the highest degrees and they never had my explicit consent to share, use, collect, sell, store, distribute my personal identifiable information to anyone. 

Pursuant to Washington Law RCW 63.14.125 taking security interest in lender credit cards agreements is illegal. 

Suttell and Hammer is working with XXXX XXXX  to commit fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to complaint XXXX. The true nature of my creditworthiness is not being reflected because there are inaccuracies being reported within the account NAVIENT. They are reporting that I was 90 days past due, but XXXX and XXXX are only reporting 2 negative dates while XXXX reports 1. How is this accurate when all data furnished should be the same? Also, if I was late 90 days there would be another date listed where I was late. Lastly, you are reporting different account numbers for the same account. How does this meet FCRA regulations? The account numbers being reported are XXXX, XXXX, XXXX. I am demanding that this account is deleted from my credit report immediately for incorrect information.
Product: Credit card

There was a fraudulent account open in my name without my consent or knowledge and is now reporting negative on my credit file I have reach out to the company XXXX with no results the account is fraud
Product: Money transfer, virtual currency, or money service

My account with CashApp was closed by CashApp for allegedly violating terms of service. However when Ive asked to specify which term of service was violated Cash App stated that they could not and will not tell me. I further asked to appeal this decision and so far Ive been given the run around about a email that will sent to further pursue an appeal, however, no email has been received. Ive called and chat with CashApp to no avail. They are currently holding {$600.00} XXXX if you will.
Product: Credit card

I have had billing issues with Synchrony bank XXXX XXXX cars. I have always made my payments on time never been late. I called in XXXX to get my regular balance for this card, not any of the promotional balances was told I owed XXXX, so I paid that in full, I have them telling me now that I owe XXXX and they charged me a XXXX late fee, I have XXXX promotional balances, No INTEREST, that have not expired, I have talked to so many people and supposedly a manager XXXX yesterday and there is a charge out of ohio for XXXX that I did not put on there, and no one knows anything, I think they are using under handed ways just to get money
Product: Credit reporting or other personal consumer reports

I noticed an inquiry from CITIBANK NA/THD Date of Inquiry XX/XX/2022. I submitted a written, certified letter to XXXX that this was not an approved inquiry. I also called Citibank Na/THD and they agreed to send a letter to explaining that they did not have any authorization on file to pull a hard credit report and requested the inquiry be removed. XXXX has chosen to ignore this information and to provide any further investigation after repeated letters/calls and attempts to have this removed.
Product: Debt collection

I received a notice in the mail from on XXXX/XXXX/2016 from a collection agency. When I looked at the statement I noticed that it a medical collection. This is the first notice I receive from the debt collector. The notice did not look correct to me since I have been making payments to the original through my XXXX account. I reached out to the debt collector Credit Management and spoke to a woman by the name of XXXX XXXX. I explained to her my situation and she stated that they do not do research on the account and since they only receive updates every 3 months from the original creditor she could not do anything else for me to ensure my account is correct. She also stated that this had been adversely reported to my credit report and they only way this would get reported correctly is if I set payments with them. This is causing and emotional distress on me. This company and employee have acted unethically.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX 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 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

I recently disputed the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. I disputed these accounts because they were being reported inaccurately. XXXX XXXX  did not respond to my validation letter, XXXX XXXX refused to validate the alleged account, XXXX XXXX XXXX did not send a contract with my signature on it and was asking me to send them information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX. XXXX XXXX were disputed on the basis of payment history and closure date. Equifax verified all these accounts to be accurate. I requested an investigative report for these accounts in affidavit form but I have not received any information. I, XXXX XXXX, consumer, the original creditor, do not validate any of the alleged balance owed on XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX and have been disputing these accounts for months. Equifax has violated my consumer rights. Equifax has violated 1681 ( a ), 1681 ( b ), 1681 ( a ) ( 4 ), 1681b ( 2 ), 1681c ( f ), 1681e ( b ), 1681e ( a ), 1681g ( a ) of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$300.00} XXXX XXXX XXXX  XXXX Balance : {$3600.00}
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent item on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 


I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of this fraudulent item is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Item : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove this fraud item or collection account in my credit file : XXXX XXXX  XXXX Balance : {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ms. XXXX XXXX, Director Consumer Finance Protection Bureau Via Consumer Finance.gov website Subject : paralleling XXXX XXXX line The report of my death was an exaggeration. 

I submit this note of concern not simply because an alleged credit reporting agency claims I am deceased but, hurt feelings aside, this obviously false claim can kill my credit rating! 
Yes, mistakes do happen. Of broader importance is the agency ( the poorly named XXXX ), its crony bank ( Synchrony ), and the retailer ( Gap   which apparently refers to the wide space between sales and service ) which chose the bank, have clearly indicated they do not give a XXXX. 
This awkward tale began with an attempted web purchase from Gap linked to a cost saving if I agreed to apply for their credit card. Subsequently I received on XX/XX/XXXX a letter using my formal name XXXX XXXX, from Synchrony ( an institution previously unknown to me. The letter dated XX/XX/XXXX said it was unable to approve my credit request as XXXX reports applicant is deceased. 
Well. When I received the latter I called XXXX on XX/XX/XXXX. Twice. Twice was put into a voice mail. Presented my problem. To date I have not received a response. Perhaps they are embarrassed? 
Moving up the line, on XX/XX/XXXX, I called Synchrony where I was told, repeatedly, it was not their problem, I should call XXXX. I finally asked for the banks fraud division. I was connected and with patience explained the situation. My reward was to be disconnected. 
Moving further up the line, I called XX/XX/XXXX Gap/Banana Republic to explain the problem and the obvious danger to my credit rating. I was told the matter would be referred internally and I would hear back in 30 days. I explained that a month dead would Really do damage to my reputation. He referred me to another number that referred me to another that flipped me back to the Synchrony credit card company. Ive actually been to the real ( rudely-called ) Banana Republic where manners are far better. 
I do know if I am trapped in the company of XXXX, incompetents or gamers. I do know that given my past experience as a news reporter, I will not let this misbehavior lie.
Product: Debt collection

To Whom it may Concern : MEDICREDIT Corporation # XXXX**** This is a legal NOTICE AND COMPLAINT REQUESTING documentS and request for proof of claim, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under NEW JERSEY LAW Pursuant to N.J.S.A. 2A:19-13, the assignee The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward XXXX XXXX XXXX : White v. Hart, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 
Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. 
I also request to see a certified copy of any contract or agreement between you and XXXX-XXXX  XXXX  XXXX that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX balance on my XXXX credit card and have been a customer for over two years with not a single missed payment. This card I rarely use as I qualify for better cards with better benefits. I kept it open only for reporting purposes as it's one of my oldest cards. To my surprise, I receive a notification from XXXX XXXX that XXXX has reported my credit card payment as late. This should have never happened as I should have a XXXX balance as I do not use this card! I immediately pay the balance ( even though this is 100 % FRAUD ) as I have worked extremely hard to raise my credit to an acceptable score and wanted this to stop reporting as a " late balance '' on my credit report. I immediately call them to report the fraud on three separate charges for the same company, for the exact same amount. They refund my money for these charges and stated they will need to suspend my card and send me a new one which I was perfectly fine with. They, however, refused to correct the late payment reported on my credit or allow me to speak with a supervisor. They promised they would have a supervisor call me back the next business day and of course, they never did. I just so happen to check the card last week and I have YET AGAIN, ANOTHER FRAUDULENT CHARGE from the same company on the same card that they said they suspended. This company lacks accountability for its mistakes and customer service is subpar at best. They should be embarrassed about the way they do business.
Product: Debt collection

XXXX company had disputed a past bill with me back in XX/XX/XXXX. The problem was the company was trying to over charge me after I had canceled services with them. During the time of the dispute the company stated in XX/XX/XXXX that the account was settled and I was no longer in debt with them. Now four years later from having the services XXXX submitted to another company called MRS a report to collect a debt from me on a matter that there company had already disputed. MRS BPO , LLC XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX. Provided an account number XXXX XXXX for the amount of {$350.00}. As I have stated to the company it seems to be a scam going into affect because I had already disputed the account years ago and it was no longer a matter with me pertaining to a balance owed but ; after years passing it has come back up on the radar. This matter should have never went outside of XXXX my last conversation with the company was about the bill and it was handled in a timely matter to the point it was no longer an issue. It was removed off my credit report and now years later it appears back as if this was never handled by the consumer themself XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to TELETRACK. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has 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

Acct reporting negative open in collections Account has been paid off in XX/XX/2021 2021