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

I'm requesting XXXX be done on these accounts because it was not done properly. These accounts can not have been properly investigated because they are Closed accounts being reported as Open month after month. This is a violation of my federally protected rights and it is wrong for the Credit Bureau to allow these companies to continuously report these accounts delinquent every month. This is knowingly reporting Inaccurate information every month, therefore it must be deleted. That's why I'm asking for a reinvestigation In Accordance With the Fair Credit Reporting Act of these accounts : XXXX, Account # XXXX, XXXX XXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX, XXXX XXXX, Account # XXXX, XXXX  Account # XXXX, XXXX XXXX, Account # XXXX, XXXX, Account XXXX XXXX, XXXX XXXX, Account XXXX XXXX, XXXX XXXX XXXX, Account XXXX XXXX. 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, which i did not give them. 15 USC 1681 Congressional findings and statement of purpose. 1681i, Procedure in case of disputed accuracy. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ; ( XXXX ) Treatment of Inaccurate OR Unverifiable Information ( A ) In general, If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item or information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S.C. 1681i, Procedure in case of disputed accuracy. ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( d ), the person that provided the information in dispute to a consumer reporting agency shall ( iv ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency and correction to that information that is necessary to make the information provided by the person accurate. These accounts are not accurate and they must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached below are additional documents which shows the letters I will be mailing out to collectors because they failed to validate my debt within a 30 day frame. I mailed letters to them on XX/XX/XXXX and have yet to hear anything regarding validation.
Product: Credit reporting or other personal consumer reports

I NEVER APPLIED THESE BANKS AND DON'T RECOGNIZE AN INQUIRY ON MY CREDIT REPORT PLEASE INVESTIGATE. 
CREDIT INQUIRIES AND DATES, ( 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 reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Money transfer, virtual currency, or money service

I got an email today from a XXXX XXXX  imposter, with an invoice that says payment conformation in favour of Coinbase XXXX XXXX Order Details, Coinbase XXXX XXXX Paid Today. XXXX I.D . XXXX. Much gratitude to you for picking XXXX for your solicitation variation from Coinbase XXXX XXXX. If you didn't make this purchase, Call Now to drop this trade. Call Customer Service : XXXX XXXX. I had a similar experience recently with a XXXX XXXX  imposter regarding a bogus XXXX purchase so I recognized the scam. I have not called the number at this time. Last time they wanted me to go to XXXXXXXX XXXX buy and activate a XXXX gift card to prove my location and identity. The supposed XXXX XXXX  person got a fake XXXX employee on the line that gave me a hard sell. I told them where to get off. XXXX customer service referred me to you.
Product: Credit card or prepaid card

XX/XX/XXXX, my son ( a XXXX XXXXt at XXXX ) made two purchases ( gas ) using the TD bank credit card I gave him. The bills are mailed to me at my home in XXXX XXXX, XXXX. I always pay them on time. However, I spend the time from XX/XX/XXXX to XX/XX/XXXX in XXXX. I fill out a change of address form with the US Postal Service and all my bills are forwarded to me. For reasons I can not fathom, TD Bank does not allow their bills to be forwarded. I got my bills from XXXX, etc but nothing from TD Bank. In XX/XX/XXXX or XX/XX/XXXX I got a call from a TD Bank rep who was a bill collector, telling me I was 90 days delinquent in paying my bill. I told her I had never gotten a bill, nor any notice that I was delinquent. She checked and said the bills had been returned to TD Bank as undeliverable. I told her that was impossible, my mail is forwarded to my XXXX address, and I had been receiving all my bills ( credit card, insurance, electric, etc. ) She said TD Bank does not allow their bills to be forwarded " to guard against fraud ''. I asked how much had been charged to the account in puchases, and she said {$71.00}, which I paid immediately. But she said I owed late payment fees and interest charges. I asked them to waive those fees, as the reason I was late was their refusal to allow the bill to be forwarded. They refuse. The late fees and penalties now exceed {$130.00} ( with interest the amount they claim I now owe is {$130.00}. I have called at least three times but they refuse to waive the penalties and interest. I am now getting threatening letters and phone calls ( they say they will report me to a credit bureau ). it is absurd for them to CAUSE me to be late by preventing my bill from being forwarded, and then seek to collect penalty fees that dwarf any interest charges. And I paid the purchases in full! Please help me. The bank is totally unresponsive and is demanding I pay them all these penalty fees.
Product: Debt collection

After reviewing my credit report, I noticed several accounts that I believe were added without my permission and are inaccurate. I request that these unauthorized accounts be blocked and removed promptly.
Product: Credit reporting

I had these inquiries posted to my credit report. I can provide emails, text messages and names and numbers for people who are told not to submit my credit to banks and went ahead and done it anyway. 


View Report From : Credit Report Provided by Advertiser Disclosure Items For Review Full Credit Report Past Due ( XXXX ) Sent for Collection ( XXXX ) Missed Payments in History ( XXXX ) Remarks on Accounts ( XXXX ) Multiple Recent Inquiries ( XXXX ) No Recent Activity ( XXXX ) Recent Address Change ( XXXX ) Employers Reported ( XXXX ) OverviewAccountsCredit InquiriesCollectionsPublic Records Back to Full Credit Report View Jump to Next Steps The details displayed here include the origins of each hard inquiry and our calculation of when they should be removed from your credit report. If you 're confused about any of the terms used on this page, read more about the specific data displayed here. 

Sort By : XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 EQUIFAX CONS AFFAI XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX - XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016
Product: Student loan

THEY ARE REPORTING 90 DAY TO 120 DAYS LATE 3 TIMES I TRY REACH OUT TO CORRECT THE PROBLEM WITH NO RESULT THEY GOING FROM PAYING ON TIME TO 90 DAYS LATE AND IS EFECTING MY CREDIT SCORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on a retroactive forbearance for my student loans through  XXXX   XXXX  from  XXXX   XXXX  through  XXXX   XXXX .  XXXX  had reported on all   XXXX   credit bureaus that my  XXXX  payment on several of my accounts was 90 days late. The reporting significantly decreased my credit score. I filed a dispute with the credit bureaus with documentation, but it has gone no where.
Product: Debt collection

The company took a write off of the debt and got a tax break for it. Company did not give me the 1099c when they did this. Account was written off in XXXX XXXX. This is fraudulent and needs to be addressed.
Product: Mortgage

VA failed to pay me the summer of XXXX while I was in school, applied for forbearance and was approved, was told the amount late and due during forbearance would be pushed to the back end of the loan. When the forbearance was over they wanted the full amount of $ XXXX, all the fees, late payments, and payments during forbearance. Since I couldn't do that I had to apply for a different mortgage assistance and loan modification was the one I was approved for and told they would either write the loan to be more each month or it would be sent to the back end of the loan. They refused to talked to my VA loan technician even though the VA is the mortgage loan holder, and gave me documents to have notorized XX/XX/XXXX that were due by XX/XX/XXXX when it was impossible to have anyone on holiday answer with no extension. The document wasn't a modification, it was starting over my mortgage with a more than double XXXX and {$1000.00} higher payment a month. My VA loan technician told me to sign it since they wouldn't talk to him. I was completely XXXX sided by every person I asked questions with at Planet Home Lending and they lied each time, when I told managers or supervisors that's not what I had been told I recieved a sorry and no action. My state representative informed me to file a complaint with this organization hoping to solve the issue.
Product: Debt collection

On XX/XX/XXXX, My son contacted me by text, to inform me of a call he'd received from XXXX XXXX XXXX XXXX XXXX XXXX ( " A law group '' ). He informed my son of an amount due and said that they were filing a court case against me, that I " had committed fraud '' On XX/XX/XXXX I was able to reach XXXX XXXX. I contacted him, to gather information. I assumed the original debt, had been " sold '' to his company. I asked for an account number and the address of the company. XXXX XXXX began a verbal assault of my character and cited details of my credit report to back his assertion that I am " a loser '', and refused to give me an account number or their address. XXXX XXXX called me a " loser '' several times and said, among other things, that I " rip people off ''. There was a lot... 7 mins of character assassination. I was able to record the last 2 min or so. XXXX XXXX said the debt about was {$2000.00} more than it actually is. I also reminded him that it was illegal to have informed a member of my family of the debt amount and I felt certain it was not correct. He verbally assaulted me some more. 

Through more research, I was able to find the actual " owner '' of the debt - XXXX XXXX XXXX XXXX. They " outsourced '' the collection, but XXXX does not " own '' the debt. I was also able to ascertain the correct balance and the representative I spoke with ( at XXXX XXXX ) said there was no reason for the account to be {$2000.00} more. 

Not only did XXXX XXXX threaten me with jail, and verbally assaulted me, saying I was a criminal and a loser, he tried to coerce {$2000.00} extra dollars from me. 

I am so grateful I persisted and found XXXX XXXX. They have agreed to " pull back '' the account from XXXX, so I should not hear from them. 

XXXX is not capable of decent conversation, compromise, or negotiation on behalf of anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account NameXXXX XXXX XXXX Account Number:XXXX  Account NameXXXX Account Number:XXXX Account NameXXXX XXXX Account Number:XXXX Account NameXXXX XXXX Account Number : XXXX Account NameXXXX XXXX Account Number:XXXX Account NameXXXX Account Number:XXXX Account NameXXXX XXXX XXXX Account Number:XXXX  Account NameXXXX XXXX XXXX Account Number : XXXX Account NameXXXX, XXXX Account Number:XXXX Account NameXXXX  Account NumberXXXX XXXX XXXX XX/XX/2022 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I made a regular monthly payment in the amount of {$950.00} by check to XXXX XXXX  in XXXX, Georgia for my XXXX mortgage payment. The payment was made on the due date of XX/XX/2021 and well before the late payment date of XX/XX/2021. 

On XX/XX/2021, I was reviewing my credit reports from XXXX, TransUion, and XXXX  when I discovered that the mortgage account had been reported as having a 30 day late payment for the month of XXXX. I immediately called XXXX XXXX  and they told me that they were showing all my payments had been made on time and were current, and that someone from credit reporting would call me back that day. I got a call back but was told that I would need to email a copy of my credit report to XXXX XXXX to get the issue resolved. I emailed a copy and detailed what was happening. I also left a voicemail, which was not returned. 

After receiving no response from Ms. XXXX, I called her again, and again received no response. Customer service attempted to transfer me to XXXX XXXX, and I again was just transferred to voicemail. I have a receipt that shows the payment made on XX/XX/XXXX as well as an image of the cancelled check I used to pay. I need this late payment removed from my credit report and it seems that no one at the bank is responding. 

I have attached copies of my XXXX  credit report and cancelled check used to make the XXXX payment.
Product: Credit reporting

The company stated on my request which is Case Number XXXX that a report will be mailed to me on XXXX XXXX, 2015 but I never received the report. I am requesting the report be mailed to me so I can dispute items that are not correct.
Product: Credit reporting or other personal consumer reports

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me XXXX XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # 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 an account without my written instructions
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX has illegally sent me to Fair Collections & Outsourcing of New England, Inc XXXX to collect {$4800.00} for a debt that belongs to my ex-wife XXXX XXXX. XXXX moved there XXXX. I moved in with her XX/XX/XXXX and was added to the lease. We divorced XX/XX/XXXX where as I removed myself from the lease via email as well as by a XXXX  agreement in XX/XX/XXXX at the instruction of the Leasing Business Manager XXXX. I returned to XXXX California. XXXX actually remarried and moved out this XX/XX/XXXX and filed bankruptcy. XXXX XXXX XXXX XXXX XXXX can't collect from her due to the bankruptcy so they are trying to defraud me and illegally send me to collections for a debt that does not belong to me because I relinquished responsibility responsibility when I removed myself from her lease.
Product: Credit reporting or other personal consumer reports

These account was charged off on the following date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Back in XXXX XXXX i made severall purchase from XXXX the iteams arived damadged i contacted XXXX and requested returns for these iteams. I never recived credit for these iteams so i dispuited the charges i sent tracking numbers into brightway credit card and was told they recived this information and nothing else was neeeded i called back XXXX additional times and was told the evertyhing was fine. I then recived letters that the merchant went back to them and said i never returned the merchandise which is a complete lie i uploaded tracking numbers showing this. I got a very nasty lasy answered the phone at brightway and would not listen to me. XXXX does know what its doing. XXXX sending this cause i went this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out end of last year when I tried applying for a car loan that a XXXX XXXX credit card account was created in my name in XX/XX/XXXX and it has a {$16000.00} balance on it. The history shows OK payments up to XX/XX/XXXX and there is a credit limit of {$4200.00} ( Way less than $ XXXX ). I have not been watching my credit up to now so I was unaware of this and I have not been informed of this debt against me. It shows the account was written off because they were unable to collect on the debt. The account is also showing against an Arizona address where I have never lived at so I disputed this as being fraud by whoever is living at that address. XXXX XXXX responded to my dispute with a letter saying that the information provided shows no evidence of fraud and they are not taking any action. That doesn't make any sense. It seems XXXX XXXX is intentionally ignoring the evidence they already have in their possession. No additional evidence is needed. I did not apply for this account so obviously the owner of the house stole my identity. XXXX XXXX is not attempting to collect from that address. XXXX XXXX XXXX  is intentionally committing fraud by placing an fraudulent account on my credit that doesn't belong to me and intentionally hurting my credit. I have not applied for much credit in my life but because of my low score, I have a hard time applying for credit now. I have a rights by the Fair Credit Reporting Act. How does someone manage to get {$16000.00} out of a credit card account with only a {$4200.00} credit limit and using my information when I barely have any background of credit at all? The attached file shows clips of the owner of the property and details linking the debt to that address. Information was gathered from my Experian credit report and from the XXXX Assessors website.
Product: Credit reporting or other personal consumer reports

The following accounts should be deleted due to their violation of these provisions : - XXXX XXXX ( Miscellaneous Automotive ) - XX/XX/year>. XXXX - XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX - XXXX XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX XXXX XXXX XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX - XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX - XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX - XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX I request that these accounts be promptly removed from my credit report. Thank you for your attention to this matter.