23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received 11 calls in the past 3 weeks from XXXX number. They ask for someone I do n't know ( XXXX XXXX? ) ; I assume she had this number before I did. I have told them they have the wrong number, I do n't know her, and please stop calling me. I have told them this at least three times, and they have agreed to stop calling. ( The other times I have not answered my phone. ) But then they call again. And again. Today when they called, I spoke with a man who told me he had no record of my asking to be removed or that it was a wrong number, so apparently they have just ignored my requests. I told him I was going to report his company because I 'm tired of the frequent calls. He gave me the name of the company, Transworld, but refused to give me any other information. He said since I was n't the lady he was calling, he could n't tell me anything else, not an address, not whether or not they were a debt collection agency. I found out by searching online that they are a debt collection agency. I do n't owe any debts to anyone. I do n't know the lady they 're calling. It seems like they would stop calling me if I 'm not who they 're looking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Given that Transunion is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have Transunion clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX , XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have more than enough times now reached out to the company and filed numerous complaints. This company did not take better actions in veritying the identity of who opened the account as I have received XXXX validation with my signature as requested. It was opened online I was told. Why is this company not responding and proving all I'm asking for? I have previously filed a complaint with the CFPB regarding this account and through XXXX and it was finally removed, but Experian 's time frame to investigate the matter is not adequate and XXXX has removed the file as well. I am very aware the CFPB has sued Experian in means of false sham investigations. I am a victim as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to report an account that was removed and has no way to upload the documents. so i can show proof that this account was in litigation and should be removed as per court order
Product: Credit reporting, credit repair services, or other personal consumer reports

My most recent request to Equifax and the other bureaus on XX/XX/2020 is being ignored. I had specific questions about the accuracy of the items on my credit report and I am not getting an adequate response. I spoke with a representative at Equifax on XX/XX/2020 and they stated they received my letter but they want me to open a new dispute. I dont want to open a new dispute. I am asking for the specific questions I asked in my letter on XX/XX/2020 be investigated properly. This situation is causing me distress and affecting my ability to get credit.
Product: Credit card or prepaid card

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX XXXX with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

In XX/XX/2017, I purchased one blazer and two different pants ( size XXXX and XXXX ) from XXXX XXXX. Within two weeks, I sent back size XXXX and canceled size XXXX. Then I purchased a smaller size XXXX. I also sent back the size XXXX for a size XXXX within the same time frame. When it came time for payment, I sent a check for {$75.00}, which covered the XXXX pants ( {$30.00} ) and the blazer ( advertised for {$41.00} ). On XX/XX/XXXX, I spoke with XXXX ( Confirmation # XXXX ) and called XXXX at Comenity Bank/XXXX XXXX XXXX on XX/XX/2017, to make sure the previous charges were removed. They explained that I would be receiving a bill credit of {$24.00} for now and to give the process 60 days to work out the removal of other charges. I received the aforementioned credit but never was credited for the {$34.00} for the size XXXX pants. Since then, my bill has grown to {$300.00} in the last statement received. This balance is not correct, as I paid off everything the first time ( see check # XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and equifax are continuing to report a account on my consumer report that does not have the correct name. the name credit control has on the documents they sent says the last name is XXXX. my last name is not XXXX, it is XXXX. I have been in correspondence with the debt collector credit control putting them on notice of this error and they continue to furnish this account to the 3 bureaus. I also attached a updated copy of my XXXX  credit report dated XX/XX/2022 showing you that credit control recently reported to the 3 bureaus AFTER I had put them on notice and also a copy of my XXXX  results saying this account remained on my consumer report. I have already put credit control on notice, put the 3 bureaus on notice and I have already submitted a complaint against credit control. I have sent the 3 bureaus proof of this error and they continue to be in non compliance under fcra. credit control is violating the fdcpa. XXXX XXXX and equifax are violating the fcra and all agencies are violating my right to privacy,.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to transunion regarding some inquiries that were not supposed to be made on my transunion credit report. 

They have validated the inquriies These companies advise me that they would make a soft inquiry but they were hard. 

They did not have permissive use.
Product: Mortgage

My wife and I were approved for a home loan by InterLinc Mortgage Services in XXXX XXXX, TX. My wife and I were scheduled to close this Wednesday, XXXX XXXX. On today, XXXX XXXX at XXXX InterLinc sent me an email and stated that we were full approved and to proceed with the final walk-through of the property and to provide a time to meet at the Title Company. At XXXX today, XXXX XXXX, InterLinc called and stated that I was no longer approved. They stated that the reason for the last minute denial was because of the current home that we are renting is under forclosure and that rent payments have not been made. I sent them an email from the property management company which shows their approval to stop paying rent due to the forclosure, however, InterLinc still revoked their approval. This has caused us to lose our dream home. Please help us.
Product: Debt collection

I had stopped paying my credit cards because we were close to losing our home. We were given a loan modification and I contacted the company Gurstel Chargo in XXXX XXXX XXXX I and XXXX bank file # XXXX. I explained that I am paying XXXX mortgages right now and can afford {$50.00} a month until we have more money available to pay this was on XXXX. I spoke to XXXX XXXX. He was very rude. He asked me for my work phone number. i told him was not supplying my work phone number he said do n't interupt me when I am speaking was very harsh. I ended the call after saying I am going now. I sent a few emails to the company with my budget telling them I can afford {$50.00} a month just trying to pay my debt. I was served with no further communication from them on XXXX. When you are down on your luck with XXXX kids and try to make things right and call in treated very rudely and then served on top of it. I just want to pay my debt paying as much as I can afford at this time without being harrased. It shouldnt be that hard to communicate with a company to try to pay your debt especially when you make the call to them wanting to work it out.
Product: Credit card

XXXX XXXX sent me damaged goods, I showed the goods to another manufacture based in LA XXXX XXXX, who are the largest manufactures for this type of product in the US, and they confirmed the goods were not sewn properly and needed to be discarded. 

I sent the letter from XXXX XXXX XXXX bank of America, they denied the claim because the letter from XXXX XXXX wasn't on " Stationary '', as XXXX XXXX is a small business owned and employs minorities, he puts all his money back into his business and never saw the need to hire a graphic designer to make him stationary and yet Bank of America refused to accept this, and refused to listen to him because of this. 

In response to claim # XXXX that I previously filed with the CFPB about this, they responded by sending me an electronic message stating that they would be sending me a paper letter with an explanation as to why my claim was denied, and that if I want to find out earlier, I can call a number with an extension. 

I called the number, and extension, and left numerous messages, and never received a call back, neither did I ever receive a letter explaining the reason they denied my claim. 

I didn't follow through on this until now as this whole experience was just so upsetting and frustrating. 

Any help extended in this matter would be greatly appreciated. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent charges were made to these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 XXXX 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 XXXX 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 XXXX 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 XXXX now im XXXX  XXXX cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT # XXXX XXXX # XXXX I was in a collision very shortly after leasing the Honda HR-V, which was ruled a total loss. My auto insurance carrier XXXX, sent paymentXXXX for {$28000.00}, and there was still a balance of approx. $ XXXX that the GAP coverage was supposed to cover. 
I called XXXX over a dozen times and was told by every single representative that I do not have to make payments even though your website was still indicating that I had payments due, late, upcoming, etc. The XXXX XXXX XXXX would continuously tell me they were waiting for my GAP coverage payment to be sent from the dealership then I finally got the dealership to help me and they determined that was incorrect because it was a lease that the GAP coverage was to come from the leasing company. 
All I know is I was told on every phone call that should be recorded not required to make payments other than my {$500.00} insurance deductible, which I did. Today my credit score dropped XXXX points in one day because the credit bureaus were reported to by XXXX  that I am late payments. The credit and payment were all supposed to be " Suppressed '' as per honda Lease Trust.

PLEASE IMMEDIATELY FIX THIS! I DO NOT OWE XXXX  ANY MORE MONEY, AND ALSO MY CREDIT MUST BE UPDATED AND FIXED SO THAT IT REFLECTS I HAVE NEVER MISSED A PAYMENT. ALSO, CLOSE THIS ACCOUNT PERMANENTLY, FINALLY. My credit is very important at this very moment for my student loans are contingent upon them right now.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$600.00} XXXX Account Number : XXXX Balance : {$1000.00} XXXX Account Number : XXXX Balance : {$0.00}
Product: Debt collection

Dear XXXX, I am writing to request validation of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please treat this letter as a formal request for verification of the debt in question.

The details of the debt you are claiming are as follows : Account Number : XXXX Amount Owed : XXXX Creditor Name : XXXX Please provide me with the following information to validate the debt : The amount of the debt, including a breakdown of any fees or interest charges that have been added. 

The name of the creditor to whom the debt is currently owed. 

A copy of the original signed contract or agreement, or some other evidence of my responsibility for this debt. 

A complete history of any payments made on the account, if applicable. 

Any judgment, lien, or collection proceedings related to this debt. 

In accordance with the FDCPA, I ask that you cease any collection activities until the debt has been validated. Additionally, I request that you provide me with documentation showing that you are authorized to collect this debt on behalf of the creditor. 

Please send all correspondence to the address listed above. If you fail to provide the requested information, I will consider this matter resolved and will take appropriate action as necessary to protect my rights. 

Thank you for your cooperation. I look forward to your prompt response. 

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

Reference : my CFPB Complaint # XXXX submitted XX/XX/XXXX to Equifax Credit Reporting Agency. 
As of yesterday { XX/XX/XXXX }, in response to the referenced CFPB Complaint, I have received Equifax 's reinvestigation results ( See Attachment 1, 3 pages ) for the disputed XXXX  XXXX Bank Account on my Equifax Credit Report. Again, NO ACTION was taken to correct the INACCURACIES in the 81-MONTH PAYMENT HISTORY CHART/GRAPH for the XXXX XXXX Bank Account ( See Attachment 2 ). The XXXX XXXX Bank Account CORRECTLY shows that the account was CLOSED in XX/XX/XXXX ; but the 81-MONTH PAYMENT HISTORY CHART/GRAPH is contradicting the Account CLOSING DATE of XX/XX/XXXX. The 81-MONTH PAYMENT HISTORY CHART/GRAPH shows continuing Late Payments and/or Charge Offs, AFTER the ACCOUNT CLOSING DATE of XX/XX/XXXX, during the years XX/XX/XXXX, XX/XX/XXXX and throughout XX/XX/XXXX ( Again, see Attachment 2 ). THIS IS A URGENT MATTER -- I have applied for a Mortgage Loan, and the Lender will not move forward until the CONTRADICTING INACCURACIES on the XXXX XXXX Bank Account is ACCURATELY cleared up on my Equifax Credit Report. This is COSTING ME MONEY while awaiting to CLOSE MY MORTGAGE.
Product: Credit reporting or other personal consumer reports

A fraudulent account was just added to my consumer report that I do not recognize. I have no connection to XXXX XXXX OR XXXX XXXX. This account is a fraud and I believe a business should start requesting biometric face id because its not possible all this damage this person has caused me. I am in the process of purchasing a home and this fraud has set me back. Please resolve as soon as possible. Delete this account. 
( XXXX XXXX {$490.00} ). Thank you for your time in this important matter. 
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4
Product: Credit reporting or other personal consumer reports

i have inquires on my credit report that are unauthorized. The ( XXXX ) inquiries that XXXX be on my report are XXXXXXXX XXXX XXXXXX/XX/2024 and XXXX XXXX XX/XX/2024. all other inquires are XXXX. XXXX XXXX acconut is currently in litigation. Under The Doctrine of XXXX XXXX XXXX XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX I may presume that No Proof of the Alleged Debt, Nor therefore any such Debt, infact exists
Product: Debt collection

Dear Sir/Mam, I initially filed a complain regarding fraudulent charges on my closed credit card. My complaint reference # is : XXXX. The collection company responded, and it says the file is closed, i am just wondering what is the status of my complaint? is the dept removed from credit history because i do not owe this charge. 
The collection agency has provided w/ the credit card statement and it shows that the charge XXXX {$100.00} XXXX was placed on the account on XXXX XXXX, XXXX XXXX late charges accumulated over time up to {$220.00} at later dates ) and seems like an online transaction, but i am outside the United States since XXXX. 
Can you please help me and remove this charge from my credit history? 

{$220.00} is not a big amount i would have taken care of it if it was genuine charge and a purchase done by me, but this is fraud and i did not make an online purchase nor this is my charge. 

Kindly please help and guide.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act my rights have been violated. Allowing a late payment reporting on XX/XX/22, XXXX XXXX by XXXX XXXX ; XX/XX/22, XX/XX/22, XXXX XXXX by XXXX XXXX XXXX and XX/XX/22 by XXXX. Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In Accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the dispute through XXXX XXXX XXXX  to be removed due to the seven year limitation and received no response.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Lvnv funding-debt buyer This info was not removed from my report Due to lack of investigation also this is a 3rd party with no information and trying to illegally report on my credit
Product: Credit reporting or other personal consumer reports

I am writing to report an identity theft issue on my credit report. I have recently discovered that my personal information has been compromised leading to fraudulent activities on my credit accounts. I have taken steps to address these issues including contacting the credit bureaus to dispute these inaccuracies and also placing a fraud alert on my file. Please advise on the next steps to rectify. Accounts inquiries were removed but not the actual fraudulent accounts. This is the account XXXX XXXX XXXXXXXX - XXXX - {$3700.00}.
Product: Credit card or prepaid card

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Product: Debt collection

Perfection Collection for the amount of {$2100.00}, I have sent Perfection Collection a Debt Validation and they have not responded. I have no knowledge of this alleged debt.
Product: Debt collection

I received a letter from the original creditor on  XXXX  of    2016  with all documents stamped as paid  XXXX   XXXX   2016 . I had gotten the occasional call about the debt and explained it was paid and faxed the papers to a company did n't hear from them again. Now I constantly get phone calls from  XXXX   XXXX  saying it 's not paid. One person gave me their email so I sent the email to them with pictures of the documents. I received another call today told them I already gave it to them, I had to call back because he hung up on me when he called me which is what happens every time they call me. He told me he reported it to the credit bureaus then read off my SSN and told me multiple times " your credit is destroyed now ''.
Product: Money transfer, virtual currency, or money service

Account was blocked wit the zelle app till I Confirm more Information but I have double checked all my info
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX, 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 168b A Creditor May not treat a payment on a credit card account under open end consumer credit plan as late for any reason