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

Recently I disputed an account with XXXX and XXXX replied back saying that the account was verified. 



However, XXXX have stated a complete lie and has failed to do a proper investigation. 

XXXX. XXXX XXXX XXXX XXXX XXXX is listed on my XXXX credit report as a XXXX XXXX account when its an old utility account. If the proper investigation was done whom did XXXX get this information from that it was a XXXX XXXX  case? 


XXXX. Not only is it an utility bill but the account is charged off as well reporting with a {$950.00} balance. How is that possible? 


Its clear that XXXX is violating my rights under the FCRA and gave refused to correct their unlawful practices after many attempts which is defamation of character and a hindered to my credit.
Product: Debt collection

First of all, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. I am distressed to learn that the information included in my credit report profile is incorrect, and I believe that your organization has failed to maintain reasonable procedures and operations to assure maximum possible accuracy in the credit reports that you publish. As you know, credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure that the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please delete these accounts in my credit file ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested the help of the companies to remove the inquiries I am not aware of. Customer service refused to help me Barclays Bank Delaware XX/XX/XXXX Barclays Bank Delaware XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX As you can see there a multiple. Again I am not aware. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information including ssn # and address and dob were obtained fraudulently and was used to obtain medical services and personal bank info and loans. is is even with me having a fraud alert on my credit report. 

XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$510.00} XXXX {$1000.00}
Product: Vehicle loan or lease

During 2020 XXXX had affected me because I was Out sick so i wasnt working & the company Credit Acceptance Corporation was in agreement with me that the payment would come out biweekly every XXXX  and the XXXX  of the month when i bought the car at the dealership XXXX XXXX Credit Acceptance Corporation Has been changing the date on my days that i am Supposed to pay, lying saying i made 33 agreements with them to pay which is not true as well. This has affected my credit profile overall and messed up my ability to buy a home and improve my credit because they have been reporting me late. In which I shouldnt be late Im only late because they switch my dates in the contract that we agreed to at the dealership.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance 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 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 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 am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an accounts opening date on my credit report with XXXX Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my XXXX XXXX. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. I believe that a prompt correction of this late-open accounts are essentials to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported accounts opening date. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : XXXX MORTGAGE XXXX Balance : {$380000.00} ; XXXX XXXX XXXX XXXX Balance : {$30000.00}.
Product: Student loan

I received a call from a company called Federal Student Debt Relief phone # XXXX, claiming to be with Fed Loan Servicing. They said I qualify for 70-80 % of my debt to be relieved. I asked what information they had about me, and his reply was everything from when you applied for the loan. I then asked what all that was. He gave me my maiden name, birthday, email, and current address, didnt say whether or not he had my SSN or IEN. He also asked about my school status and I replied with, if youre with Fed Loan Servicing you would know the status of my education. I really think this is a scammer, and am worried this company may have more of my information than they let on.
Product: Credit reporting or other personal consumer reports

I submitted ftc report to XXXX, XXXX, Transunion as well as a written formal dispute and request to remove two fraudulent/unauthorized XXXX XXXX credit card accounts. I demand that these accounts be removed from my credit report. I have submitted identity theft report and supporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried going through the centralized website XXXX and then through equifax to get my credit report as I believe I am the victim of identity theft. 

Neither are willing to help me even though I verified all the credit information questions over the phone for equifax. Since I am living abroad in XXXX where I am a student, they are refusing to help me see my credit or to mail the credit report to either me or my family. 

They are negligent in their responsibility to help me and are endangering me by being irresponsible and now I am unable to act to secure my credit or my identity. 

The US government should fine these companies and provide a public option.
Product: Checking or savings account

Absent any reason for its decision, CHASE bank will not open a checking account under my name. I do not owe CHASE money and I never abused CHASE account or conducted unauthorized or suspicious banking activity.
Product: Bank account or service

I have been getting charged OD fees when my account does not go negative. I have called once and they refunded but it has happed 2 more times.
Product: Mortgage

I am a new home owner. My mortgage is {$830.00}, I Paid my mortgage through XX/XX/2017 in by XX/XX/2017. I signed into my mortgage account online and made a payment for XX/XX/2017 mortgage on XX/XX/2017, it cleared XX/XX/2017 through my bank. I thought that I was good for XX/XX/2017. After the XX/XX/XXXX mortagege cleared, they configured XX/XX/2017 payment which is {$910.00} and pulled it on XX/XX/XXXX instead of XX/XX/XXXX. They justified it by saying that I gave them autopay permission. So They will take that XX/XX/2017 payment 30 days early. They cleaned out my checking account and stated that if the check doesnt clear they will be resubmitting for the {$910.00}. Are you kidding me? I am not a time traveler, I havent lived in XX/XX/2017 yet so the bill is not due. I asked them why dont they take XX/XX/XXXX through XX/XX/XXXX in XX/XX/XXXX too? I dont owe them any money but they insist that they will present XX/XX/2017 mortgage again for payment if the funds dont clear. These people are vampires! They are monsters and they dont have any respect for the american consumer. I am a new home owner and I have been thinking ahead to stay current. I have never been late. 
I am a normal person and they took {$910.00} from my account on XX/XX/XXXX that was not due for 4 weeks a week after I paid them {$830.00} that they were due. They insist that they are correct for taking that XX/XX/XXXX payment 4 weeks early because I gave them autopay rights. {$1700.00} in one week. My budget is destroyed. How am I supposed to be responsible for my other bills when NationSTAR just took all of money plus the over draft?
Product: Credit reporting, credit repair services, or other personal consumer reports

Information was compromised by Equifax when they were struck by a cyberattack that may have affected up to 143 million customers from mid-XX/XX/XXXX through XX/XX/XXXX of 2017. I have placed a fraud alert on my account, and am debating applying for Equifax 's PremierID service. Equifax has set up a website, equifaxsecurity2017.com, to help customers identify if their account was potentially stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not performing in a manner that is fair and equitable toward me as a consumer. My dispute dates back to XXXX XXXX, 2022 and has been ignored and unresolved without the proper evidence being provided to me. It is now far beyond 60 days of investigation as evident by prior cfpb complaints and the date of the letter attached. Experian is not providing relevant nor accurate reporting on my Consumer file. They have assumed a vital role and are only serving to do me harm and a great injustice by not deleting the accounts I have requested to be deleted. I am demanding that the accounts I have listed be blocked and deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX initiated a hard inquiry on my credit reports { transunion, XXXX and XXXX } without having my authorization. 
I kindly ask you to remove the hard inquiry thank you
Product: Debt collection

Portfolio recovery sued me and they have yet to prove I owe them anything. I used a consolidation company that completely defrauded me and closed all my accounts. I explained this to the company many years ago and they used it to reopen my file that was started when I was a minor. 
Not only that they never served me and are now trying to garnish my wages! Case Number : XXXX PORTFOLIO RECOVERY ASSOCIATES LLC XXXX XXXX XXXX Filling Courthouse : XXXX XXXX Filing Date : XX/XX/2019 Case Type : Collections Case - Purchased Debt ( Charged Off Consumer Debt Purchased on or after XXXX XXXX ) ( Limited Jurisdiction ) Status : Default Judgment By Court - Before Trial
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX  treadmill on XX/XX/XXXX for {$4900.00} and I financed the purchase with Affirm 's buy now pay later product offering via loan ID XXXX. In XXXX, I learned that it would not be delivered when promised and I cancelled the purchase and delivery and was told I would have a full refund. Thereafter, Affirm attempted to collect {$14.00} from me. I disputed this amount with them, given that I never received delivery. They refused to discuss this with me and ultimately recommended that I make payment because they have no way to validate the debt since it is reported to them from XXXX. I paid the amount ultimately on XX/XX/XXXX and they have reported a 90 day delinquency on my credit report, dropping my credit thereby by over XXXX points for a debt I DID NOT OWE. They are not able to provide me any statement or proof of the debt and XXXX tells me I have to dispute the debt with Affirm. In Affirm 's email to me about my dispute, they stated " We worked with the credit bureau to minimize the impact to your credit report from delinquent payments. '' -- what does that even mean, and how can that be true when a {$14.00} late/disputed payment has dropped my credit so substantially?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help CFPB and take this seriously. I have an unverified account from XXXX 's showing a charge off of {$0.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. This has made it difficult to find traditional work and secure credit. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX 's Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

Somewhere XX/XX/XXXX or XX/XX/XXXX my cell phone was stolen and I immediately called the XXXX to inform them of a stolen cell phone. We agreed to keep the phone on to keep GPS signal alive to try to locate the thief while XXXX would monitor any strange calls. That was Saturday, but on Monday I log onto the account and saw that strange calls were made to XXXX, although I am XXXX and I never even been in XXXX or have anybody there. So I called XXXX once again on Monday only 40h after my first call to them and they told me that someone has been making a calls to XXXX in amount of over a {$12.00} XXXX ... ..I just could not believe that XXXX would let someone make in one day over a XXXX calls ... ..and then they tried to held me responsible. Anyway I did dispute the charges and I had peace till now ... after almost 5 years some debt collection agency from Florida ruined my credit score with the debt I never even made. I called them and they said to me over the phone that they will send a Marshall to arrest me in 24 hours if I don`t pay. 
ABSURD!!!
Product: Student loan

I am with Navient. They kept putting me in forbearance, when I finally got an income based plan, they would n't let me renew and would come back with all these fees. When I tried to make extra payments to pay down the balance, they took the money as fees. When I fell behind they told me that they would waive the fees if I sent in {$500.00}. They put it in writing. I sent in the money, they took it and kept it. Told me what they would n't waive the fees and ignored the letter they sent. I uploaded the letter to their website, then called, they said they did n't get it. I told her I was looking at it on their website, on the tab market, loan documents, she told me that they do n't have it. I mailed it in, finally they told me they wo n't waive the fees they just told me that to get the cash, which they put towards FEES not my balance. 
No matter how much I send them, it never reduces the loans a dime, there is always some fee out there that takes it. 
Just non stop lies. I pay and pay and the balance keeps rising. When I call they say I am current, when I look on line it says I am behind. When I call back, they tell me to ignore it, its just fees. I can never get a straight answer over how much I owe or what my payment really is. It has been a never ending nightmare. I feel like I am going to die owing these loans.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to seek your assistance with an ongoing issue involving American Credit Acceptance. Despite numerous attempts to resolve this matter through dispute processes, the inaccuracies persist and are affecting my credit profile adversely.

Account Information : Account Name : American Credit Acceptance Disputed Information : Repossession and sale of vehicle, missing Right to Redeem, 1099-C, and Notice of Deficiency American Credit Acceptance repossessed and auctioned off my vehicle but failed to provide me with the following essential documents : Right to Redeem : I did not receive a notice or any opportunity to redeem the vehicle before it was sold.

1099-C Form : I have not been provided with a 1099-C form, which is required for reporting canceled debt.

Notice of Deficiency : I did not receive any notice of deficiency that details any remaining balance or deficiency after the auction sale.

I have disputed this account on multiple occasions with the credit bureaus, yet the inaccurate information continues to appear on my credit report. This lack of proper documentation and notification constitutes a violation of my rights and is being inaccurately reported on my credit profile. 

I urgently request the CFPBs intervention to rectify this situation. I demand the immediate removal of this account from my credit reports due to the absence of proper documentation and the failure to follow legal requirements regarding repossession and debt collection. 

Your prompt assistance in addressing this issue and ensuring that my credit report is corrected is greatly appreciated. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and I have attached my ID and Social Security Card for verification. I checked my credit report and noticed some fraudulent, inaccurate, and incomplete information. I will list these accounts below ; please conduct a reasonable investigation and DELETE these accounts off my credit report 1. US DEPT ED 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX  4. XXXX 5. XXXX ( Original Creditor : XXXX XXXX ) 6. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 7. XXXX XXXX XXXX  8. U S DEPT OF EDXXXX 9. DP OF EDUC 10. XXXX
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these unauthorized and fraudulent inquiries are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the unauthorized and fraudulent inquiries that are reported on my credit report. These inquiries are NOT MINE! Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

I Q Data International Inc dba XXXX  XXXX  has attempted to collect an alleged debt from me. I Q Data International Inc dba XXXX  XXXX   has placed negative information on my consumer reports and has caused me financial harm. I.Q Data International is not a licensed debt collector in my state ( State of Texas ) and has violated state statutes regarding debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes ( online, over the phone, at least 5 times in the year of XX/XX/XXXX), most recently XX/XX/XXXX ( via 609 letters ) regarding inaccurate information on my credit reports. Through these letters I have asked for proper documentation validating debts owed and have received nothing. When I've called, most recently XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to inquire about whom received this information in order to validate it, the supervisors informed me that they simply do not know and don't have access to that information.

Under the Fair Credit Reporting Act 15 USC 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of my requests concerning the accounts that are being reported in my credit report. While i have received a credit report stating these accounts are verified, i have YET to receive documents supporting such debt.
Product: Mortgage

I am the owner of an HELOC with Citizen 's Bank. On my XX/XX/XXXX Statement, there was a variance of {$380.00} from my " Previous Total Balance '' to my " New Total Balance ''. I wrote to the company at the address provided for " Correspondence, Error Resolution & Information Requests ''. No one wrote back to me. On XX/XX/XXXX, I called the customer Service line - as the " error '' was no carrying over for the fourth statement in a row ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & now XX/XX/XXXX ). 

When I spoke with the representative I was told that the variance was comprised of {$350.00} " Prepayment Penalty Fee '' and a {$34.00} " recording fee ''. At that on the XX/XX/XXXX statement I would now see that the statement wording had now been changed from " Total New Balance '' to " New Payoff Balance ''. While I was able to confirm that there is a {$350.00} prepayment penalty in my loan documents, but I am concerned that I am now paying interest on the an correct principle amount. 

The documents are not clean and easy to understand. Additionally, XXXX XXXX customers ( I am assuming I am not the only one ) were not alerted in writing when this " change '' occurred on their statement. It did not sound like this was the first time that the customer service rep was answering this type of question. I was also not provide with any proof as to why I am paying a {$34.00} " recording fee '' for something that hasn't happened. Also, I can not find a reference to the {$34.00} recording fee in my loan documents. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a copy of my credit report provided to me by XXXX XXXX XXXX XXXX XXXX XXXX ), and I ask that focus be put on the collection showing placed by I.C. System, Inc whose phone number is XXXX. Their collection is being reported to both XXXX and XXXX XXXX. They indicate they opened collection on XX/XX/2022 in the amount of {$310.00}. I ask that they confirm the validity of that collection, and I ask that both XXXX and XXXX confirm this validity as well. I also dispute the validity of this XXXX XXXX XXXX charge altogether because during the pandemic, I tried to subscribe to the XXXX & XXXX service. The company had difficulty connecting my service, so I called and let them know after many attempts that I want to forgo service with their company. I did not sign a contract with this company at all during this time.. In conclusion, I was never provided service with XXXX XXXX XXXX and they still charged me.