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

I have recently been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in. 

please let me know if you can assist me with getting these item removed from my credit report. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT AND INQUIRIES ACCOUNT NAME : US DEPT. OF EDUCATIO Balance details 0 % paid off Balance {$6100.00} Balance updated XX/XX/XXXX Original balance {$5300.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment THE DATE OPENED/ DATE CLOSED/LAST PAYMENT DATE / BALANCE ARE ALL REPORTING DIFFERENT ON THE 3 CREDIT BUREAS ALSO THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL ACCORDING TO THE " FAIR CARES ACT '' ANY FRAUD REPORTED BY CONSUMER MUST BE REMOVED FROM THAT CONSUMERS ACCOUNT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX XXXX to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )
Product: Debt collection

In XXXX of XXXX, I was lied to about internet service speed received from XXXX XXXX XXXX. Was told that they had the fastest internet speed in the area, but was not true. TV service stayed in buffer mode 95 % of time. Called to cancel service within 30 days and was advised that they do not have a customer guarantee program, but due to false advertisement of their internet speed in my area ( which interfered with my ability to watch TV free and clear of buffering ), I would only have to pay {$90.00} of the bill and they would credit off the rest due to the poor service received. I paid {$90.00} on-line. A few months later, derogatory information appeared on my credit report and I was contacted by a collection agency. I disputed and provided payment information and my credit report was corrected immediately. Now, 2 years later, XXXX XXXX XXXX has hired another Collections company to come after me. I disputed again and the results came back that the debt is valid. I also called XXXXXXXX XXXX XXXX regarding this and was advised that they would get back with me in 7 to 10 days. I am still waiting. The agent advised ( when I called to question the collection activity ) that they do have record of the {$90.00} payment I made with the transaction number. At this point, I am getting the run around and being harassed by XXXX XXXX XXXX about a debt I do not owe.
Product: Debt collection

I applied for and received from XXXX {$3200.00} to help me with my escrow through Bayview Loan Servicing.BLS received by echeck XX/XX/2016 and sent back {$2000.00} to XXXX and ca n't explain to me why.I have heard all year that they are looking into the matter.In the meantime my credit report is poor and only because of BLS.and i am having trouble buying a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection company XXXX XXXX XXXX is attempting to collect on an account that is already settled with the original creditor. The account should never have been sold to any other collection agency and to the knowledge of the original creditor XXXX XXXX XXXX XXXX XXXX XXXX it was not sold. XXXX XXXX XXXX illegally obtained my information AND are attempting to collect on a debt that has been taken care of. I did not give permission for my information to be passed around and abused. Experian is assisting XXXX XXXX XXXX in violating not only my HIPPA rights but also my consumer rights by allowing the company to continue to report. I have previously filed a complaint Experian responded that they were still working on the CFPB complaint when they in fact closed my dispute without further investigation.
Product: Debt collection

In XX/XX/2019 I filed a dispute for sunrise credit services with XXXX and they are saying i owe XXXX for whatever services that I dont even have or am aware of in XX/XX/XXXX of last year I lost my wallet and had to replace everything I dont appreciate this being stated that it which belongs to me and it doesnt .I dont even own a contract phone because I was always afraid it would mess up my credit that which Im trying to build
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Product: Credit reporting or other personal consumer reports

By providing the Fair credit report act I am demanding these items to be investigated and removed from my credit report please remove any information that is the creditor can not verify I understand under the {$15.00} USC section 1681 XXXX  you must complete investigation within 30 days in the receipt of this letter thank you for your time help this matter sincerely XXXX XXXX okay
Product: Consumer Loan

I had a lease through Lexus Financial Services ( LFS ) for a XXXX XXXX XXXX ( payments on that vehicle were made via auto-pay ). This past XXXX, I returned the XXXX vehicle and then got a new lease on a XXXX model, also financed through LFS. 
In XXXX, I made my final payment to LFS for the XXXX XXXX ( via autopay ). Also, in XXXX, my dealership ( XXXX XXXX XXXX of XXXX XXXX ) made my first payment to LFS for the XXXX XXXX. At that point, I now had only the XXXX vehicle -- NOT the XXXX vehicle. 
In XXXX, I was sent a bill from LFS for XXXX for my XXXX XXXX ( which I expected to receive ). However, they ALSO took an automatic payment for the XXXX vehicle ( XXXX ) which I no longer had. This should not have happened. 
When I called LFS, promptly, to advise them of this, they apologized for the error and told me they would either send me a check for the XXXX or they would credit my XXXX account for the XXXX. No big deal -- all was fine, as far as I was concerned. I opted to have them credit the XXXX account for XXXX. As for the remaining XXXX balance on the XXXX account ( XXXX minus XXXX ), they said that, since the amount was negligible, they would simply tack on that small balance to the next month 's bill. ( FYI, I did, the next month, make a payment reflecting an additional XXXX ). 
Unfortunately, to date, my XXXX account has still not been credited for XXXX, despite the fact that they have retained the XXXX that they never should have taken to begin with. 
I have called literally dozens of times to get this corrected -- as has my dealership -- but NOTHING seems to get fixed. They 'll tell me it 's fixed, but when I later check the account, it has n't been fixed. This week, I received YET ANOTHER bill demanding a double payment. When I call, they threaten to send me to collections. I feel like they are trying to extort money out of me and I do n't know what to do anymore. 
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Product: Credit reporting or other personal consumer reports

Thank you for your response to my complaint regarding the XXXX XXXX XXXX account on my credit report. However, your reply failed to address the specific issues outlined in my original complaint, and your investigation results do not resolve the inaccuracies and omissions I identified. Key Issues Not Addressed by Equifax : Incomplete Payment History : In my initial complaint, I highlighted that Equifax is reporting the XXXX Card account without providing the full payment history, including the XX/XX/year> payment. This omission misrepresents the accounts true status, rendering the report misleading and inaccurate in violation of 15 U.S.C. 1681e ( b ). Your response does not explain why this payment history is absent or what steps were taken to verify its accuracy. Erroneous Reporting of Credit Limit on a Closed Account : I noted that Equifax continues to report a credit limit on a closed account, making it appear active and impacting my credit utilization ratio. Reporting a credit limit on a closed account violates 15 U.S.C. 1681c. Your response does not clarify why this is being reported inaccurately or address its misleading nature. Inconsistent Dates of Last Payment and Delinquency : My complaint pointed out that the date of first delinquency is inaccurately listed as XX/XX/year>, while the last payment is reported as XX/XX/year>. These inconsistent dates create an inaccurate credit profile. Your response fails to reconcile these inconsistencies or explain how they meet the FCRAs standard of maximum possible accuracy. Selective Reporting of the Accounts Negative Status : I raised concerns about Equifaxs failure to report the account when it was in good standing, selectively reporting only after the account entered a negative status. This practice distorts the overall credit history and violates the FCRAs requirements for complete and fair reporting. Your response does not address this issue. Failure to Ensure Maximum Possible Accuracy : While Equifax claims to have verified the item, this generic statement fails to demonstrate compliance with 15 U.S.C. 1681e ( b ), which requires Equifax to follow reasonable procedures to ensure maximum possible accuracy. Verifying ownership of the account does not resolve the inaccuracies and omissions in its reporting. Failure to Investigate Disputed Information : Equifaxs response indicates that the furnisher was contacted but does not detail what steps were taken to reinvestigate the disputed information or correct inaccuracies. This is a violation of 15 U.S.C. 1681i, which mandates a reasonable reinvestigation of disputed information.
Product: Credit reporting or other personal consumer reports

I submitted my initial complaint on XX/XX/2023. This is my 2nd attempt to solve major problems to my credit report. I requested for the Transunion to send me the procedure in which they verified the negative accounts on my credit report. I received NOTHING showing this verification method. However, there were several erroneous UPDATES added to my credit report. I have attempted several times to get this problem resolved with Transunion concerning erroneous, incomplete and inaccurate items on my consumer report to no avail. Transunion has continuously violated my rights as a consumer as to the Fair Credit Reporting Act that states that Accuracy and fairness is my right. The Fair Credit Reporting Agency also states that there is a NEED to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy and those things have not been done in my case. The following accounts continue to show up on my consumer report month after month : U S DEPT OF ED Account # XXXX and XXXX/DOFED Account # XXXX. These accounts are erroneous and inaccurate. I did not give permissible permission for these items to be reported by the consumer reporting agency to the consumer report. Please help me get these accounts DELETED permanently from my consumer report.
Product: Credit reporting or other personal consumer reports

Equifax is using stall tactics to delay providing accurate information on my credit report. I disputed a collection on my Equifax report indicating the collection company was in violation of 15 USC 1692 ( c ). I sent a photo copy of my mailing address as well as a copy of my social security number. I never received an outcome of their investigation. I then reported it to the CFPB. My complaint was the following : XXXX XXXXXXXX XXXX, a debt collecting company, reported to my credit report. I informed them I did not owe them a debt and refused to pay them, that I never signed a contract with them, and citing15 USC 1c92c ( if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer ). Putting anything on my credit report is a form of communication and is a violation of the law. I sent Equifax a copy of the letter ( along with identity verification ), and cited 15 USC 1692c as well as 15 USC 1681 ( a ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The violations on my credit report is from the following agency : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX Account # - # # # # # # XXXX Instead of Equifax following the law, I received a letter from them on XX/XX/year> stating they could not find my information. A copy of the letter is uploaded. 
I have sent complaints through the CFPB on Equifax before and the investigation was complete using the same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to transunion, XX/XX/20, to inform that I attempted to reach out directly to XXXX XXXX XXXX to inform that I have been a victim of identity and the given account was not mine however the given company informed that no evidence showed I was a victim of identity theft. I provided the identity theft report i provided to the company as well as a letter requesting the account be removed from my transunion report. transunion declined and informed that account was verified. The account is reporting as charged off which is hurting my credit score as well as other XXXX XXXX accounts are showing as well.
Product: Debt collection

I was having garnishment taken out of my check, had to pay off balance of {$1000.00} at Closing of buying our house on XXXX. 

Resurgent Capital Services Acct # -- -- -- -- -- -- XXXX Original Creditor XXXX XXXX XXXX  Current Owner XXXX XXXX XXXX  Current Servicer Resurgent Capital Ref ID XXXX Judgement case # XXXX I am STILL having garnishments taken out of my check! Myself and Kroger Payroll, XXXX XXXX have made MANY attempts to get a Release of Judgement sent to XXXX Payroll to Stop this garnishment! 
XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX XXXX has given us the runaround and now we are being told she no longer works there and we cant receive help from Anyone! We've been attempting to resolve this for 2.5 months and at our wits end as XXXX can not Stop garnishment until she is given Release of Judgement and Then I will need to be reimbursed {$230.00} as of XX/XX/18 This debt was Paid to purchase our House and Case closed XX/XX/18.
Product: Debt collection

In XX/XX/2022, I hired assistance after my identity was stolen from a ransomeware attack at a hospital I worked for years ago. The fraudulent loans, credit cards, debts as well as all credit agencies, banks, the FTC, law enforcement were all notified and addressed by attorneys as well. This was a very stressful, arduous, grueling and time consuming process that the person/persons Im complaining about had previously been felt with originally after reporting in error to my credit report, were demanded to remove all negative remarks due to it not being myself and all problems had been settled for months. P & B began harassing me well before the holidays of last year and I first kindly explained to them that the case was an identity theft issue previously resolved, that I was shocked that it was even brought up at all and I was being contacted as well as I had been nervous my social had been used again. P & B continued to leave THREATENING voicemails and calling several times every single day. I have called back to repeat that everything had been handled and settled and to never contact me again and they continue to contact me with text messages almost daily, phone calls everyday, emails to an old email address daily, leaving messages that anyone can access that are about companies Im not familiar with now at all and have reported it to collections on my credit. This has to be a violation of some sort. The recordings are a robot stating its a live agent even and has a glitch to where it skips and repeats saying its a person. Ive cried over this because it took so much work before. It was not easy dealing with the police, even the FBI and to have whatever these people are try to collect money from me and this isnt anything Im associated with and they have damaged my credit plus harassed me every day since XXXX at least something needs to be done immediately. Ive told them never to contact me firmly and they will not stop. They reported it to my credit and it is not me.
Product: Consumer Loan

Our vehicle was a total loss in an accident. This happened during a Chapter XXXX Bankruptcy in through which the loan was paid off 100 % to Bank Of America per their claim in the bankruptcy court. However, B of A will not release the title to XXXX XXXX because they are saying there 's still {$320.00} owed for something. They do n't know for sure if it 's even owed and ca n't tell me what it 's for. But they are holding us up from replacing our totaled vehicle even though there is a Court Order from the Federal Bankruptcy court ordering XXXX XXXX to give us the proceeds from the settlement so we can replace the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of idenity theft. the following items are reporting on my credit profile and they do not belong to me. a collection account from XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and the following INQUIRES do not have my authorization XXXX XXXX  services XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX 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 Wrong Names such as XXXX XXXX all of this information is incorrect! ad i demand this be removed from my credit profile i have reached out to each beures several times and they still continue to report these inacuracies on my credit report this is completly unfair. I have filed a Identity theft report on XXXX and I will attach this file with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Racial Discrimination Complaint : XXXX XXXX v. 

XXXX, XXXX. & TransUnion Violation of Sec. 1681n. Civil liability for willful noncompliance : by not providing or listing to me in their numerous responses the name of the third-party that provided the public records on my credit report listed as a bankruptcy in the responses filed by the credit bureaus and the proof of the verified source that has caused me serious financial harm : 1. XXXX  XX/XX/2019 2. XXXX XX/XX/2019 3. TransUnion XX/XX/2019 I am outraged these companies continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third-party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from the date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Based on the fact that I am an XXXX  American, as well as the fact that I have provided these companies, XXXX, XXXX, and TransUnion with a copy of my driver 's license which represents my race, I believe these companies have targeted me based upon my race as an XXXX  American in the manner in which they have failed to provide evidence of who their " Third Party! '' Where in fact these companies have not verified this case with the actual courts based on using my social security number.

I have asked for the who the third party source over the past 8 months and each company has violated my rights under the Fair Credit Reporting Act