23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This information was added to all my credit reports. This is not my credit behavior or my account. They will not send me a validation letter with my wet signature because they dont have one. I have disputed this and no results. Below is what they report on my reports. 

Account name AMSHER COLLECTION SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XXXX Status Collection account. {$2.00}, 063 past due as of XXXX XXXX

Status updated XXXX XXXX Balance {$2000.00} Balance updated XXXX Recent payment - Monthly payment - Original balance {$2000.00} Highest balance - Terms 1 Month On record until XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 3 request to the 3 bureaus to correct my information personal information. for there are accounts under names that I don't know and it doesn't belong to me. for example there is XXXX bill under the name of XXXX who is XXXX? it is not me, this account has been on my file for while along with other negative reporting that don't belong to me. I have submitted two forms of government ID passport and driver license to show my correct name spelling and address and as of yet they have not removed these addresses and names from my file and they have files under these false names. Now how do we say they are accurate in their reporting when they are slandering me especially that I have filed a fraud alert for I was robbed more than once and my information in the hospital was stolen. so when contacting the 3 bureaus it is their responsibility to assure they are reporting accurate information especially when it is impacting me negatively. I request that my personal information to be corrected to show only my current address and my name as spelled on my driver license and passport as I submitted them. and on the 3rd request as I have submitted XXXX some of them send me delayed letter to play and delay with the time instead of doing their job asking me for a lease. When I got my license I already submitted that proof so my government ID is enough to correct the information especially when YOu have a passport. I don't understand what pleasure they get from ruining people 's life? is it to keep them slaves? is this the function of the bureaus? 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 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 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 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 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

Experian is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is reporting bankruptcy case number XXXX as belonging to The Consumer. The Company claims to have verified said bankruptcy via a public records database named XXXX, but the address listed on the XXXX database does not belong to The Consumer, nor does it match the address listed on The Consumers, consumer report. The Consumer has already disputed the address on the above mentioned bankruptcy with The Company and is awaiting response. 

The Company has also violated a multitude of The Consumers consumer rights based on FDCPA, TILA and the FCRA doctrines.
Product: Mortgage

On XXXX XXXX, 2016, the borrower 's loan servicer, Nationstar, approved him for a trial modification. That trial modification commenced with a XXXX XXXX, 2016 payment. The borrower made all payments under the trial modification, and on XXXX XXXX, 2016, Nationstar approved the borrower for a permanent modification. The borrower executed the permanent modification agreement and mailed it to Nationstar on XXXX XXXX, 2016. On XXXX XXXX, 2016, that permanent modification agreement was delivered to Nationstar. 

On XXXX XXXX, 2016, the borrower mailed a qualified written request ( " QWR '' ) to Nationstar, which was delivered to Nationstar on XXXX XXXX, 2016. In that QWR, the borrower requested the fully executed copy of the permanent modification agreement ( i.e., the copy executed by both the borrower and Nationstar ). Under XXXX Nationstar is required to provide the borrower the requested documents and information within 30 days of receiving the request. However, to date, the borrower has not received the fully executed copy of the permanent modification agreement.
Product: Debt collection

The dept collector, Credence, used my daughters cell number to contact us. Did not give correct return phone number. Caller was very abrupt and did not respond to my questions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXthis merchant is clearly not consistent with reporting my payment history of missed payment amount and percentages payment history as a TOTAL. XXXX and XXXX are reporting two different numbers under payment history. It should be XXXX percent.
Product: Vehicle loan or lease

Please reference case XXXX and credit Acceptance account XXXX. Bi received a letter from Credi Acceptance legal aid XXXX XXXX. As a result we were placed in a do not call list with Credit Acceptance. But they denied any other wrong doing which is expected from such people. 
The issue at hand is my wife has called two days in a row trying to make the payments and the representatives proceeded to verbally harass and abuse my wife. She started calling 3 days after the due date to make this payment and the recording we have on hand prove the abuse and just downright ugliness we have to endure when calling. Todays date XX/XX/2018 she calls again to make the payment and she gets off the phone in tears from the verbal assault. This is the absolute last time I report this information. Next time I am suing Credit Acceptance because we have the recording now of their abuse Ive nature to people who actually pay. I got on the phone today with a manager named XXXX and she was extremely apologetic. I made the payment and foretold her of the actions getting ready to be against credit Acceptance. They have been sued so many times due to their actions and this time those cases will be referenced and show a history of abussive communications.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX 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 I noticed there were Incorrect items reporting on Experian credit report according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 of 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. 

and according to XXXX XXXX XXXX they are suppose to 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

Loan was dismissed and they are still reporting on my credit beaural
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Apparently someone other than myself opened a credit card through Amazon I Never requested
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
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. 

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 XXXXXXXX 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 or other personal consumer reports

I had a secured credit card with Citibank. When I had XXXX, I called the creditor, made a payment arrangement, then paid off the secured credit card, I then lost my purse with everything in it. As soon as it happened, I reported it to Citibank, yet Citibank did not close the card on that date and unauthorized charges came through, then Citibank denied my access to online banking and I was unable to view my statements. Citibank never advised me to file a police report. I disputed the unauthorized charges with the merchant, but it appears I did not purchase the identity theft feature that they offer, and I did not file a police report, because I did NOT have my purse stolen, I lost my purse. I have also requested itemized statements from Citibank but they have not provided them. They told me they can only provide itemized statements if I pay for the statements. On XXXX XXXX XXXX I ran my credit report on www.annualcreditreport.com, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That's when I saw that Citibank was inaccurately reporting. I reached out to Citibank, but they asked for a police report. I told them I was willing to pay the unauthorized charges, because I need to be approved for a loan for medical treatment. Citibank verbally agreed to delete, if I paid {$160.00}. I paid {$160.00} on XX/XX/year> with Check # XXXX, but the inaccuracy of {$160.00} was not deleted, they are still reporting late payments and I never received my {$200.00} security deposit.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have no idea what this debt is for. In my credit monitoring app it states that Jefferson Capital Systems LLC claims they are the original creditor. I never heard of them nor do I have an account with them. What time was this supposed account opened? What name was used? What address? What was it for? I can't get any information. I dispute it with the credit agencies but they come back saying the creditor say it's valid. How come that information is not shared with me? Why am I not allowed to validate it myself? I get repeated rude phone calls with threats of legal action and sometimes these calls go to my family members which is extremely embarrassing for me. It's not a ton of money. They claim I have 2 accounts. One for {$610.00} and one for {$670.00}, I could make a payment plan and pay it off, but why can't I validate what they claim I owe is real and that it's my debt. And why can't I be treated civilly. This is bullying and extortion.
Product: Mortgage

Received a copy of our credit report and discovered that on our credit reports our morgage was included in our bankrupcy. However this is not the case and we have been making on time payments for the last 6 years. 

Credit report indicates that we do not owe any balance and our payments are XXXX however they still accept payment each month. This inaccuracy on our credit report has added even further strain to our credit and financial situation, increasing our interest rates and removing us from qualifications from certain loans, credit cards and other tools to begin rebuilding our credit
Product: Debt collection

I am a victim of identity thief I notice a fraudulent charge on my credit report without my knowledge or consent its a balance of {$2200.00} AN {$230.00} I would like this company removed and delete all fraudulent accounts or I will pursue legal action
Product: Debt collection

Have been receiving calls daily from Cash Central requesting my information such as ss # and address. I repeatedly told them I have not ever done business with them and to not call me. Calls persisted. They even contacted my brother to ask me to call them. 
Today received email from credit monitoring to review my account due to activity. I noticed XXXX with a balance amount of {$3800.00} which I never took out. States on report that account was open on XX/XX/XXXX, 2017. Once again, I never took out a loan or have dealt business with this company..
Product: Debt collection

Wakefield & Associates, a debt collection company, placed a claim against my credit account with XXXX XXXX XXXX XXXX  Wakefield was acting on behalf of XXXX XXXX XXXX XXXX  XXXX XXXX, a professional services agency that provides physicians to hospitals. APP had billed me in XXXX, XXXX for services provided at XXXX XXXX XXXX in XXXXXXXX XXXX, a Medicare provider. APP previously submitted claims for reimbursement for these services to my healthcare insurance provider, XXXX ( " XXXX '' ) on two separate occasions. The two separate claims appear identical in all details. XXXX did not deny payment for this claim, but rather required supporting documentation. However, rather than providing such documentation to XXXX, XXXX sought to recover these charges directly from me, the Medicare enrollee. XXXX wrote a letter to me, dated XX/XX/XXXX, which states that my portion of the claims is {$0.00}. Nevertheless, Wakefield picked up the APP claim and notified XXXX. I disputed the claim and, following investigation, XXXX deleted the claim from my account and restored my credit rating to its former level. I had written, on XX/XX/XXXX to APP and Wakefield demanding that they cease and desist claims. I've not had replies to date.
Product: Credit reporting or other personal consumer reports

I want to inform the XXXX and TransUnion Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these unauthorized inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received an email notice from Experian on XX/XX/2023, that they were done investigating my dispute regarding an alleged XXXX XXXX XXXX they say I filed being listed on my consumer report under the public records section. Experian has consistently stated that this information was verified by XXXX which is a third-party seller of information. Well on XX/XX/2023, XXXX conducted an investigation and verified with me and the CFPB that they have no record of Bankruptcy case number XXXX being reported in my file. Here are the exact words! 

In an effort to resolve her concerns, XXXX initiated a dispute of bankruptcy record case number XXXX on XXXX XXXX behalf. During our investigation, XXXX verified that bankruptcy record case number XXXX is not reporting in XXXX XXXX XXXX file. 

In an effort to resolve XXXX XXXX concerns, XXXX initiated a dispute of bankruptcy stated above with the nationwide consumer reporting agencies on her behalf. 

Then instead of posting their findings here for the CFPB to view they mail them out claiming to have done a proper investigation to avoid being fined by the CFPB because the evidence is also being provided to them and they ignore it.
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Product: Debt collection

Dear Creditor/Debt Collector, Please see the attached creditor letter from the FBI that I received today of Friday, XX/XX/year>. I am forwarding it to you as additional information regarding my unfortunate situation that occurred last year for your understanding and consideration. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While my wife, my daughter and I were able to put credit freezes on our accounts with Equifax, XXXX  and XXXX it was much more difficult with Equifax. To perform this task, that seemed simple with the other two agencies, with Equifax it was so much of a problem that I could almost swear that Equifax was trying to prevent us from putting the freeze on our account. We actually had to mail them a good bit of information to prove who we are to get the freeze applied. 
Then just the other day ( XX/XX/2019) my daughter and I had to temporarily unfreeze our report to submit an application to rent an apartment. With XXXX and XXXX   it was relatively easy but with Equifax it was impossible to do without once again mailing them the same information that we sent them before and which made it so difficult to put the credit freeze on our account with them. We were lucky in that that apartment rental agency didnt use XXXX for this credit check or we would have lost the unit in a very tight housing market. 
In summary we believe that XXXX is intentionally making it difficult for non-paying individuals, and this must be corrected. We got lucky with this experience but may not be so next time. Maybe the credit information freeze should be handled by a single third party so an individual like me doesnt have to deal with three separate agencies every time. Thank you for handling this complaint.
Product: Credit reporting or other personal consumer reports

I keep trying to unlock my Equifax credit report and I can't see it. I have already been denied 3 times for credit so this needs to be fixed ASAP