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

I am filing this complaint regarding inaccurate and outdated information on my credit report, which is negatively affecting my credit score. Several accounts are listed as delinquent, charged-off, or in collections, even though they have been settled or are not reported correctly. Specifically : XXXX  XXXX XXXX Account ( Opened : XX/XX/XXXX ) : This account is incorrectly marked as charged-off, but it was settled for less than the full balance. The settlement details have not been updated. 

XXXX  XXXX XXXX Account ( Opened : XX/XX/XXXX ) : Similarly, this account is listed as charged-off despite being settled for less than the full balance. This status should be updated to reflect the settlement. 

XXXX XXXX XXXX  : This account was marked as a collection/charge-off, but it was settled for less than the full balance, and this has not been reflected on the credit report. 

American Express Account : The credit utilization is reported as 103 %, which is inaccurate and greatly affects my credit score. The balance should be updated to reflect accurate information. 

Additionally, there are five collection accounts reported, all of which were settled or paid, yet these accounts remain in collections on my credit report. I believe this information is outdated and incorrect. 

I request that these accounts be properly updated to reflect their correct status, including settlements and paid balances. The continued reporting of these incorrect items is damaging to my credit profile and does not reflect the true status of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

can not view credit report or file can not dispute online can not make or remove credit freeze problem with credit file can not get credit report can not get credit score
Product: Debt collection

XXXX  is rude and hateful and talks down to me.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, equifax and XXXX credit reporting agencies block/remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of personal and collections accounts listed below. 
Account Name XXXX XXXX XXXX Account Number : XXXX When the account was opened : XXXX XXXX, XXXX Account Balance : {$550.00} Account Name : XXXX  XXXX Account Number : XXXX When the account was opened : XXXX XXXX Account balance : {$320.00} Account Name : XXXX XXXX Account Number : XXXX When the account was opened : XXXX XXXX Account balance : {$600.00} COLLECTIONS : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX When the account was opened : XX/XX/XXXX Account Balance : {$130.00} HARD INQUIRIES : Inquiry Name : XXXX Inquiry Date : XXXX. XXXX, XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Student loan

I paid off my Sallie Mae loan in full on XX/XX/XXXX, as agreed ending in XXXX. Upon creating the loan, I opened the loan in my name " XXXX XXXX XXXX '' but had to utilize a co-signer, so my father assisted " XXXX XXXX XXXX ''. 

I have reached out to Sallie Mae by official mail, email, and phone and have not been able to resolve the issues outlined : 1 ) Credit Bureaus are not reporting the loan as paid in full, paid as agreed, and closed for my credit, and my fathers. 

2 ) There is one late payment through the entire duration of the loan showing 60 - 89 days late in XX/XX/XXXX. I have already spoken with Sallie Mae, provided documentation, and this was supposed to be removed accordingly as I was in forbearance during this time and requested continued forbearance which was approved but for some reason their system did not recognize it.
Product: Debt collection

Back in 2013, me and my wife moved from XXXX to XXXX XXXX XXXX, because that was her dream. After a few months, we was in the swimming pool when about XXXX XXXX was skipping rocks across the pool. It was me, my wife, my daughter, her boyfriend and my grand-baby. So naturally, my daughters boyfriend told them to stop because of the baby. The next day me and my wife had to put air in our tires. A couple of days later, we mentioned the situation to the manager ; about two or three days later, my window got busted. I had just to XXXX it up because we spent everything we had to move there, XXXX XXXX XXXX. About 2 weeks later, new neighbors moved in downstairs. They would bang on their ceiling all the time. I night, about XXXX, I was in bed when my wife came running into the bedroom saying that someone was beating on the door. I got up and answered the door ; there stood a woman asking me to keep it down because they was trying to sleep and we was making too much noise ( I was in bed ) and my wife was in the living room watching t.v. That next day I told my wife to find another place because it was getting ridiculous there. On the last day that we moved out, the manager came up to me and asked what was going on. I told him that earlier that month my window was busted out of my car, and he told me " well if you would have told me, we would have you park under one of our cameras ''. I told him we live week to week and even though we would have caught the juvenile delinquents, that would not help me if they slashed my tires. The law would make the parents pay for the damages ; but what was I supposed to tell my boss. Oh, as soon as my car gets fixed, I 'll be in. Like I said, we was on a very tight budget and could n't wait till XXXX, or maybe even both of our cars to be fixed. The manager even said he knew who done it because he has had trouble out of them before. Then I told him about our new neighbors and how they was banging on the ceiling all the time, and once even got me out of bed to tell me to be quiet. He said you should have came to me for that too ; but I thought it would be easier just to move and not make any more enemies. So now Hunter Warfield calls me all the time. I only have a cell phone and I even told them to quit calling me because I ca n't get phone calls at work, but they call anyways. The last time we talked, they said that they was going ahead and start legal action, even though they know this story also. So, if you could help, I would appreciate it. I know that I broke the lease, but I had no other choose. So, XXXX XXXX XXXX, but it 's Hunter Warfield that calls # XXXX Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Credit Report Entry and Request for Investigation To Whom It May Concern : I am writing to formally dispute an entry on my credit report, as I believe it was obtained and/or furnished without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. 

Account XXXX XXXX, original balance {$41000.00}, account number XXXX. 

According to 15 U.S.C. 1681b, consumer reporting agencies may only furnish a consumer report under specific circumstances and must have permissible purpose, which often requires prior written consent from the consumer. I have no record of providing written authorization for XXXX, Transunion, or XXXX to access or furnish my credit information.
Product: Credit reporting or other personal consumer reports

This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible :
Product: Debt collection

I saw this fraudulent debt on my credit report around XX/XX/19. I contacted XXXX, XXXX and XXXX to inform them that this debt was not mine. I filed a complaint with the FTC after reaching out to the name listed on my credit report. When I reached out to IQ Data International, Inc. They informed me that they do not have to prove the debt is valid. I wrote them the letter supplied by the FTC. I submitted the documents requested by the FTC, Federal Trade Commission, to XXXX, XXXX and XXXX. XXXX is refusing to remove this fraudulent debt. This debt is fraudulent due to identity theft. Ive communicated this to XXXX, XXXX and XXXX. XXXX  is the only credit reporting bureau refusing to remove the debt. Ive spoken with XXXX, XXXX, XXXX, XXXX and several others. All to no avail. Theyve treated me unprofessionally and have continued to compromise my credit score to this fraudulent debt. I believe this is personal. I believe the actions of the staff in The Office of Consumer Affairs, at XXXX are intentional, deliberate and malicious. When I call XXXX, I can not speak with any of the representatives. After confirming my identity, I am immediately transferred to The Office of Consumer Affairs where I am treated horribly. The staff play games with the dispute process, open cases, close cases, again and again. Theyve confirmed receipt of the FTC Complaint for fraud due to identity theft and still refuse to remove the fraudulent collections debt from IQ Data International. Their pattern of behavior is unfair, frustrating and tiresome. This fraudulent debt should never have been allowed on my credit report. XXXX is the only Bureau continuing to allow it to remain. I have attached page 1 of more than 10 pages of lawsuits currently filed against I Q Data International.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on XXXX XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have been enrolled in autopay for all my accounts to ensure timely payments. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically, Equifax reports a 30-day late payment for XX/XX/year> on my XXXX XXXX account. My payment records confirm a consistent history of on-time payments due to my autopay enrollment, and I have not missed any payment obligations. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) also outline civil liability for willful and negligent noncompliance, including actual damages, attorneys fees, and possible punitive damages for failure to comply.

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that my account be updated to reflect my true payment history of 100 % on-time payments.

Payment History : This account history reflects a consistent record of timely payments. However, XXXX report erroneously lists 30-day late entries for XX/XX/year> and XX/XX/year>. Additional 30-day late entries are also incorrectly reported for XX/XX/year> with both XXXX and XXXX. My autopay setup ensures on-time payments for all accounts, and my records substantiate a perfect history of timely payments. 
Attachments : A copy of my government-issued ID Social Security verification My latest account statement from XXXX XXXX showing payment status I expect to receive written confirmation of the removal of this erroneous late payment entry within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I received a check and it was lost. I do not know who it was from and was hoping I can be reissued another one
Product: Debt collection

This auto loan was forced XX/XX/2015 under misleading statements and claims by the Dealership XXXX XXXX representative XXXX XXXX in conjunction with XXXX XXXX XXXX. I have been targeted as well as others in a scam that ultimately lead to the surrender of the vehicle.

There are multiple cases filed in Indiana against this dealership that targeted individuals in XXXX  Indiana under false pretenses to scam & collect funds from sales of vehicles. Some individuals did not even get titles on said vehicles.

I was told that I only had 12 payments to make to complete sale of vehicle. The previous manager at XXXX XXXX XXXX, XXXX  was fired due to this situation with me including others.

This long ongoing ordeal caused me to have to file bankruptcy then ultimately surrender vehicle under the discussion that there would be no repercussions due to the falsified documents forced in conjunction with XXXX XXXX XXXX & XXXX XXXX at XXXX XXXX. There are other cases that are public records that can be found to support that this is factual and I am not the only victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove all the negative inaccurate accounts from my credit report immediately Experian is committing to many unfair acts and violations to my report
Product: Credit card or prepaid card

This concerns a Fortiva Credit card issued by the XXXX XXXX XXXX. 

I was about 4 days late with a payment that was subsequently made. While my payment was processing, I received a notice from XXXX XXXX that the account was closed to further purchases. Fortiva gave me no warning they were going to take this action, either on their website, via e-mail, or by mail. 

I received a letter today (XX/XX/2019) dated XX/XX/2019 that stated my account was being closed since it was over the credit limit. The reason it was over the limit was Fortiva 's own annual fees, which I was again given no warning or notice about. 

I am protesting the action taken by Fortiva to close this line of credit. I believe it was discriminatory based upon my address in XXXX and as such is a form of illegal XXXX discrimination and redlining based upon my address. I demand that the line should be reopened and that Fortiva should send a letter of apology. I have also since sent them two payments on this card, both of which have gone through. If Fortiva will not reverse this decision, I intend to file a full Civil Rights complaint against Fortiva.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX Upon reviewing my Consumer Reports, I discovered some inaccurate late payments on an account for which I have always made auto timely payments. XXXX XXXX XXXX play a crucial role in accurately reporting consumer information. I have never missed a payment on the following account : [ XXXX XXXX XXXX  ], account numbers [ XXXX ]. [ XXXX ] [ XXXX ] I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to provide proof, I demand that these late payments be promptly updated to reflect as on-time. Please see attached proof of the inaccurate late payments
Product: Credit reporting or other personal consumer reports

I have notified XXXX continuously about Identity Theft on my Credit Report. When I attempt to contact the Fraud department to have the matter resolved, they tell me they can't see the information and after 15 days I receive more dispute information from XXXX & creditors stating the information on my report is accurate when it is not. The fraudulent items are : XXXX- {$450.00} XXXX- {$690.00} Fair Collections & O {$1100.00} Fair Collections & O {$650.00} I submitted legal documents to XXXX XXXX XXXX XXXX on XX/XX/XXXX & XXXX with things that are fraudulent - XXXX Data Breach I continuously saw new items after hard work of removing negative items including the above negative items filed XXXX FTC Affidavit - XXXX I submitted all the documentation required by law on the federal, state, and local levels with FTC Affidavit above to XXXX on XX/XX/XXXX, via postal service PS FORM 3811 -- item number XXXX Tracking number - XXXX signed by XXXX XXXX Domestic Return Receipt I saw more information after XX/XX/XXXX submission and updated a new FTC report on XX/XX/XXXX FTC Affidavit XXXX and was faxed to the number the XXXX Fraud Specialist suggested I was federally awarded the settlement of my claim of fraudulent information on my credit report from the XXXX Data Breach on XX/XX/XXXX I faxed the award letter and Affidavits, a notice of identity personally notarized, a police report, a bank statement as proof of address, my driver 's license, social security number XXXX XXXX pages at the XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, Capital One reported to the credit bureaus that my credit card is over the limit. 

The credit bureaus, dripped my credit score 80-90 points as a result. 
I need to rent a home for my family and started filling applications for rental companies, which require {$120.00} non-refundable fee. After I was declined a rental, I realized that my credit score is low. I called Capital One on XX/XX/XXXX about this and they gave me a pile of empty words said Give us 60-90 days to look into the matter. 
I filed a despite with XXXX on XX/XX/2023 and they also said they will take 60-90 days to review the matter. 

Am I supposed to keep my family of 4 homeless for 90 days while these organizations review the matter? 

This will cost me {$15.00} XXXX in Airbnb charges. The Capital One must pay for this cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please assist me in getting the following items removed from my credit file. I have sent several disputes without any response. It has been more than 45 days with no response from the credit agencies. 

The following items do not belong to me : The following addresses are not mine : XXXX XXXX , XXXX XXXX  ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX ( Equifax ) This is not my Account : XXXX XXXX XXXX XXXX XXXX XXXX - Bal : {$660.00} & Opened XX/XX/2020 XXXX, XXXX, Equifax ) I was never late on the following accounts or Chargeoff : XXXX XXXX XXXX - XXXX is reporting an inaccurate Chargeoff and Equifax is reporting an inaccurate 120 days late XXXX is reporting an inaccurate 120 days late Incorrect names : XXXX ( XXXX ) I can't understand why is XXXX reporting all of these inaccurate Information. XXXX has not verified any of this information because this information is inaccurate.
Product: Vehicle loan or lease

In XXXX the car I had purchased through the finance company was in a car accident and the car was totaled. My insurance company paid the car off with the Tidewater Finance Company, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The finance company and XXXX XXXX  XXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX just garnished my wages in XX/XX/XXXX for a total amount of XXXX which was paid, now the finance company just served another garnishment on XX/XX/XXXX to my employer for a second amount XXXX. The garnishment summons expressed that all I owed them was XXXX which they have received already through an employer garnishment. I am afraid that after this is paid off they are going to keep asking me for more and more money and that this is never going to stop. Again, my insurance company informed me that the total balance of the car was paid off after the accident. They have not given me the opportunity to make any payment arrangements with them about this matter. They keep serving this paper work at an address that I have not lived at for over 16 years ago which does not give me any time to address this matter. I feel that if Tidewater Finance Company and XXXX XXXX XXXX  XXXX. has tracked my employer down, then they should have asked me for my correct address so I can address this matter in a promptly fashion. I feel that the lawyer and the finance company bypassed certain criteria 's and laws that was afforded to me as a consumer by violating my consumer rights for not allowing me to deal with this matter in a more appropriate manner according to the State of Virginia and federal consumer laws. It has caused distress for my at my job between me and my employer and can cause me to possibly lose my job due to the inconsistency that this situation continues to keep developing. This is the second time within 10 months that the lawyer and the finance company have pulled my name into court in order to retrieve funds from me for this matter that the insurance company have paid them the first time. I feel like I am being abused by the finance company, the lawyer and the court system. I feel like my consumer rights have been violated by the finance company and the lawyer. I feel like I should have been given the right to address this matter without my employer being involved. On the last court ordered garnishment, the paper said I only owed them XXXX. They have received that and now they are asking for more money. I truly feel that some laws are being violated as well as my consumer rights by the lawyer and the company. I also feel like they are asking for excessive funds they are not entitled to by manipulating the court system to garnish funds. At this point they are asking the courts to garnish XXXX of my salary that is causing distress in my household. All I ask is if they could have contacted me at my correct address without involving my employer and affecting my household in such a dramatic way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of and inaccurate use of credit report