23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

All XXXX credit reporting companies, XXXX, transunion, XXXX ALL created a new credit history file for me when I changed my name. My SSN remained the same. I am a XXXX woman and I was having trouble getting credit after my XXXX. When I looked into it I found that all of the credit reporting companies had XXXX files for me. XXXX under my old name and XXXX under my current legal name. I am still in the process of getting this corrected, which means having them merge the XXXX files. They had instructed me to ask all of my old CC and bank loan companies to re-report the information with my corrected name. The ones that would, did but, it STILL did n't show up on my credit report. The merging of the XXXX files for each credit reporting company is where I am now. It has been a HUGE time consuming process. Many days worth of time spent on the phone to correct this issue which NEVER should have happened XXXX. XXXX they should have just started reporting my new name and new credit cards as part of my existing record based on my social security number. If I had an issue with it, i.e. if someone else had this happen they would see it on their credit report and dispute it. So, why is n't this the default? Being a XXXX person in this society is hard enough. Why do we have to start our credit history all over when we are just trying to live as ourselves. I do n't think most XXXX people would go through the long wait times on the phone and the getting run around ... when they have XXXX records that should just get merged. If I had n't had credit monitoring from before my name change and after I do n't think I would have noticed what was going on ... well not as fast. ALSO, regardless if someone is a XXXX. If someone starts using another person 's SSN with whatever name they want, they can build a credit history. So, this is making it easy for someone to create a fake identity / life. 
Please see about getting the credit reporting companies policy changed with regards to SSN and names. 
Thank you. 
A XXXX year old XXXX woman with XXXX credit history from when I was a XXXX and 2 years as a XXXX. Once my files are merged I will finally all XXXX of credit history that I deserve.
Product: Debt collection

I'm a QMB [ Qualified Medicare Beneficiary ]. Under federal law, a Medicare provider can not collect my Medicare premiums, deductibles, coinsurance, or copayments. This is true whether it's Original Medicare or a Medicare Advantage plan. I'm in a low-income situation for Medicare. So there apparently is some confusion about how billing is supposed to work. I'm not supposed to be billed by providers under this program. So, I've consistently received bills and was confused as to why. So I reached out to Medicare and they pointed me here to get assistance. I have various dates and collection companies seeking to settle accounts that I shouldn't have been billed for.
Product: Vehicle loan or lease

GM Financial reporting a write off on my credit report to the credit bureaus. I have requested a 1099C from the agency. The Agency stated that they have not written off the debt. But the account is showing on my credit report as a write off. Therefore the information that is being reported on my credit report is inaccurate. With the agency reporting inaccurate information. Due to the inaccurate credit reporting this may be a suspicion of fraud. I am requesting the account to be deleted immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered a fraudulent XXXX XXXX account on my credit report with a balance of {$4200.00}. The account was allegedly opened on XX/XX/XXXX, and charged off on XX/XX/XXXX. However, Experian is falsely reporting the charge-off date as XX/XX/XXXX, which constitutes illegal re-aging under FCRA 1681c ( a ) ( 4 ) by unlawfully extending the reporting period beyond seven years.

I took the following actions to dispute this false reporting : XX/XX/XXXX Filed an FTC Identity Theft Report ( Case # XXXX ) XX/XX/XXXX Submitted written disputes to Experian, XXXX, and XXXX demanding deletion under FCRA XXXX XX/XX/XXXX Sent a direct dispute to XXXX XXXX requesting verification under FCRA XXXX ( b ) XX/XX/XXXX XXXX responded but failed to provide a signed contract, the original application, or any verification proving I opened this account Despite multiple disputes, Experian continues to report a false past-due balance of {$4200.00} even though a charged-off account must reflect a {$0.00} past-due balance under FCRA 1681s-2 ( a ) ( 1 ) ( A ). Additionally, Experian failed to mark this account as " disputed '' while under investigation, violating FCRA 1681s-2 ( a ) ( 3 ).

Under FCRA 605B, identity theft victims are not responsible for fraudulent accounts, and Experian is legally required to delete this account immediately. Their failure to do so constitutes willful noncompliance under FCRA 1681n, making them liable for damages.

I demand the *immediate deletion of this fraudulent account from all credit bureaus ( Experian, XXXX XXXX and XXXX XXXX. Failure to comply will result in legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act has violated several of my rights. 

XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. Dept of EdXXXX - XXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 2B - report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S.C 1681 section 602 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 instructions.

15 U.S.C 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations
Product: Credit reporting

There are several XXXX Accounts being reported in my credit file. These accounts do not belong to me. Each time that I disputed these accounts and proof that these accounts belong to me. I have not had any results from the credit agencies nor have I gotten any response from XXXX. I will like these accounts remove since they are playing a viable role in my credit score.
Product: Credit reporting or other personal consumer reports

Hello, I am XXXX. I have gone to XXXX XXXX XXXX XXXX ( XXXX ) for purchasing a car on finance. The said the will check for the auto loan in XXXX XXXX XXXX. Then the send queries to multiple lenders without informing me. Now it's showing 9 hard queries. 6 of them on the same date. This drastically reduced my credit score to on average XXXX points in the credit buraus. I reached out to XXXX about this. They suggested me to contact here for complaint. It would be very helpful for me if these hard inquiries could be removed from the report.
Product: Credit reporting or other personal consumer reports

I consistently ensured timely payments, so I'm puzzled by an error in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know where this came from company is MRS BPO The account should not be furnished on my consumer report as they are in violation! Under 15 U.S Code 1681b- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with WRITTEN INSTRUCTION of consumer to who it relates. I NEVET gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am asking the deletion of this account immediately. Thank you so much
Product: Debt collection

They called me on my wife 's phone, I told them to send me something in the mail, then somehow they obtained my work number and call me there without permission!!
Product: Debt collection

I reviewed my credit report for the first time and noticed a debt collection from AmerAssist for services from XXXX XXXX XXXX in the amount of {$1200.00} from 2019. I have never requested services from XXXX XXXX XXXX, nor have I ever received services from XXXX XXXX XXXX. This is a result of identity theft. I called AmerAssist and the representative told me that the debt was not even in my name, but in " XXXX 's name. '' I was told to file a police report and send that to the debt collections agency. I was never sent any notification to my residence about this debt or this collection. I need it removed from my credit report since it does not belong to me.
Product: Debt collection

Company refused Police Report and Identity Theft Report on several occasion dating back to XX/2016 to Present. Several Calls were made to my cell phone due supplying the company with a copy of current Driver 's License, Social security Card and contact information to resolve this issue instead the account was just update with my personal information that was requested by the company after sending a Police Report and Identity Theft Report after abating this information I proceeded to get phone calls regarding the fraudulent account asking when I 'm going to pay it and that if I did n't pay they were going to press charges on me and garnish my wages.
Product: Credit reporting or other personal consumer reports

I had a XXXX 's miles and More card that that was lost. I called to cancel the card and request a new one. they said that they did this but it would take at least 2 weeks to receive my card. I paid my bill in full and waited but a card never came. I called again they apologized for the mistake and said they would send the new card out. this card I also never received. 

Then I received a notification that my payment was late for this card. I thought it was strange since I had still not received my replacement card. The company had charged me for an annual fee but still had not sent me the replacement card. I called and said I want to cancel the card since they had not done what they had promised and the call center assured me that they would waive the fee and apologized for the inconvenience. 

When I received a late payment on my record and still hadn't received my card I called again and informed the XXXX 's call center to cancel the card and inform them that it was in violation of the terms and conditions of the account to charge me the account fee when over the course of 4 months they had still not supplied me with the card I can use. not even a digital wallet card. 

They agreed and informed me that the contract would be terminated. 

for 6 successive months I received notifications of non payment until finally XXXX 's held up to what they promised and canceled the balance and the card. 

However, the notifications of late payment have stayed on my record and dropped my score more than XXXX. 

I want them removed and my score restored.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of XXXX XXXX It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the accounts removed from my file as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Calvary Portfolio LLC added a collection account to my credit bureaus without notifying me of the proposed debt or giving me the opportunity to dispute under the 30 day notice of first dunning. The only reason I knew is that my credit alerted me that a new account was added as a collection account. I immediately called them and disputed the debt verbally and then followed up with a letter that they confirmed they received. I have called them 4 times and sent another dispute letter and they refuse to remove this collection account as it was used fraudulently while I was undergoing XXXXXXXX XXXX and was disputed with the original creditor " XXXX XXXX ''. There also is NO charged off XXXX account on my credit bureaus so I am suspicious how in fact they even got this account sold to them. They were informed by me that I was consulted by a collection account familiar with the FDCPA that an account can not be reported to the credit bureaus if in fact it is DISPUTED... 
The account is listed as SERIOUSLY PAST DUE / COLLECTIONS/ATTORNEY Speaking with Customer Relations on Friday XX/XX/XXXX which will be my 5th call to them I spoke with XXXX who would not help but rather try to get me to pay them, I asked for a supervisor and got XXXX who took my information and said they will send my concerns to their upper management. Another delay and another road block to get this resolved. They will not remove it and I have told them that I am a XXXXXXXX XXXX  and my only source of income is SSI as I am not able to work due to being in a XXXX XXXX and that I am disputing this and it is making an adverse remark on my credit. 

I did inform them that if this is not removed I will be conferring with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file damages
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Request for Deletion of Unverifiable Accounts from Credit Reports I am writing to formally request the removal of two disputed accounts from my credit reports maintained by your agency. As of XX/XX/year>, an investigation was completed by XXXX regarding the following accounts : XXXX XXXX  charge-off in the amount of {$460.00} XXXX XXXX  charge-off in the amount of {$1400.00} The investigation concluded with the deletion of these accounts from my XXXX secondary credit report due to their inability to verify the accuracy of the information. As a result, I am requesting that these accounts also be removed from my credit report with your agency, as required by federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure that all information reported is accurate and verifiable. If XXXX has deleted these accounts based on their inability to verify the information, your agency must also remove these accounts to ensure compliance with the FCRA. Failure to do so would result in the continued reporting of unverifiable information, which is a violation of my rights as a consumer. 

Additionally, FCRA 611 ( a ) ( 5 ) ( A ) mandates that if information can not be verified, it must be promptly deleted or corrected. I kindly request that you complete your investigation and remove these accounts from my credit report within 30 days of the receipt of this letter, in accordance with FCRA guidelines.

If the accounts are not removed within this timeframe, I reserve the right to take legal action as provided under FCRA 616 and 617. These sections outline my right to seek damages for noncompliance, including actual damages, statutory damages, and attorney 's fees. 

Enclosed, please find a copy of my XXXX credit report showing the deletion of the accounts, along with any supporting documentation that may assist in your investigation. I expect a written confirmation of the actions taken regarding these accounts. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, 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 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, 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 card

I realized in XXXX that my promotional interest rate on the above account expired in XXXX and I was charged {$1000.00} interest ( 30 % rate back to the initial charge ), XXXX finance charges of {$53.00} and {$53.00} plus a late fee of {$30.00} since the minimum balance was underpaid by {$1.00}. the original charge was {$3000.00} ish. This was an unfortunate mistake since we were on a paperless account and I never received emailed statements, we were set up on autopay and have paid {$75.00} on time every month since XXXX. This really stings because we had such a horrible experience with the door that was charged on this credit card. We went through Lowes because of all of the shady contractors out there. Unfortunately, the Lowes subcontractor was unresponsive and the door took 7 months to get installed, failed the original inspectionion, I have pictures and a timeline detail if needed. In reality, the final inspection for the door was XXXX, XXXX so our promo rate should have started then. I immediately scheduled a bank payment of {$1100.00} which paid the original balance, in full, minus the interest charges and faxed a letter to dispute the charges. They took 15 days, denied my request to adjust the fees AND charges me another $ XXXX dollars in interest!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this showing on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XXXX but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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

Transunion refuses to remove the XXXX XXXX Bankruptcy and XXXX Loans from my consumer report. XXXX XXXX Bankruptcy and XXXX  Loans have been removed from my XXXX report. I have contacted Transunion several times about the inaccurate information, and they refused to remove the information. I know that the CFPB is suing TransUnion for continually providing inaccurate information on consumer reports, so this is another example of Transunion violating my consumer rights. 


According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT you would need to be able to both VALIDATE and VERIFY the information with the original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX XXXX XXXX XXXX, and the likes. The US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with the US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. Having the abovementioned information, XXXX is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy, but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ). 

I attached the only accounts that are on my XXXX report for your review.
Product: Credit card

My credit card was compromised and I had the card in my possession. You can see my card being used by myself and the scammers at the same time in different cities and different states. I even provided the credit card company with video footage at one of the stores the scammers. I filed a police report. The credit card company still denied my claims.
Product: Debt collection

XXXX XXXX  IQ  national data in regards to an account of my they have in collections. I try to inform them that the account is on my credit twice once for them and wants for another company before II contact ikioo national data in regards to an account of my they have in collections. I try to inform them that the account is on my credit twice once for them and once for another company before I can get my story out or my explanation. I was rudely interrupted by the representative who told me that it is not her problem, nor is it her job to figure out why the balance is on my account twice and that if Im not calling to make a payment or to pay the balance off, she has nothing to say to me. I began to tell her that she was acting very rude and ask because she transfer me to someone else. She insist on harassing and bullying me in offending me, telling me that Im the one who has that that I need to have paid not her that is my job to pay what I owe in which I tried to explain to her that I will pay. It wants to matter is resolved she didnt tells me if Im not going to pay the balance then I am wasting her time. Once I asked to be transferred again, she told me And ask because she transfer me to someone else. She insist on harassing and bullying me and offending me telling me that Im the one who has debt that I need to have paid not her that is my job to pay what I owe in which I try to explain to her that I will pay it. Once the matter is resolved she then tells me if Im not going to pay the balance then I am wasting her time. Once I asked to be transferred again she told me that she would not transfer me because she would not allow me to waste anyone elses time she insist that they have tried to call multiple times, and I have hung up in their face which is not true, but I do have their number blocked because they do call me at many hours of the day even when Im trying to explain to them on the phone that I cant pay the balance right now they are very pushy and rude telling me things such as figure it out go out there and find the money. I once again asked to be transferred and she told me that shes not transferring me and if Im not calling to make that payment, then she has nothing else to say to me. Im simply trying to get this matter resolved I have a debt on my account. The same debt is on my account twice for two different companies for two different totals for the same account.