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

I have recently acquired my credit, upon my review there are two bankruptcies listed that I have submitted numerous request to have the information listed on my credit reported to be verified and the proof be provided to me. Upon this date the credit reporting agency has failed not only to remove the inaccurate information but has also violated several laws. 

In accordance with 15 usc 1681 ( a ) ( 4 ) XXXX XXXX who provided the bankruptcy information infringed on my right to privacy. I also have a statement from the company confirming that the information that was provided was inaccurate and was removed from their data base. As a consumer I have a right to privacy. 

XXXX XXXX did not have a permissible purpose to obtain the information and place it on my credit report nor did I provide any written consent for it to take place this is a direct violation of 15 usc 1681b ( a ) ( 2 ). 

XXXX XXXX failed to list who they interviewed to obtain this information, this would be also a violation of 15 usc 1681a ( e ) With XXXX XXXX being in direct violation of these laws set forth by the government the credit reporting agency is liable as well due to them furnishing the inaccurate information for my credit report. Because of these inaccuracies I have been prohibited from being deemed credit worthy. 
I have enclosed documentation that will prove the inaccuracies and the violations the credit reporting agency has committed against me. 
Dates of disputes submitted on the matter XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that Equifax is reporting unlawful things on my consumer report. This unlawful reporting is negatively impacting my credit score and ruining my reputation. Equifax is reporting my credit balances from XXXX XXXX  and XXXX XXXX. Leaving these balances on my report is a violation of the FCRA. I made Equifax aware of this issue on XX/XX/2022 by sending them a letter via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On two separate occasions their were two hard inquiries placed on my credit. One in XXXX on the XXXX by XXXX/walmrt  and the other one  on XX/XX/XXXX by capital one both in XXXX. It does not give me the amount it just shows as a hard inquiry.
Product: Vehicle loan or lease

My lease ended at the ended of XXXX. I called the leasing company ( Ally Financial ) and stated that I would be buying purchasing the vehicle. I knew that it may take a bit longer than I suspected, so I made another payment on the vehicle so I wouldn't receive a late payment on my credit report. I eventually had a change of heart on purchasing the vehicle, but need to get some repairs done on the truck before I turned it in. I knew this would take more time so I made another payment plus interest to ensure i did not receive a late payment. In XXXX I received a late payment XX/XX/12 XXXX. When i called they said I had credit on my account that could not be applied to the payment. I did not understand how you could be late on a payment with a credit on your account.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to formally address my concerns regarding Experians failure to properly investigate my previous complaint and the resulting detrimental damage to my credit. I have repeatedly attempted to resolve this issue, but it has become clear that Experian has not conducted a thorough and accurate investigation into the discrepancies on my credit report.

As a result of your inaction and mishandling, my credit score has been negatively impacted, and my personal information has been improperly shared with unauthorized entities. This is not the first time such a breach has occurred, and it has caused significant harm to my credit standing.

Furthermore, I have discovered that there are entities listed on my credit report with whom I have never done business, further highlighting the inaccuracies and lack of proper diligence in your reporting process.

I am requesting the immediate removal of these erroneous entries, and I demand that Experian fully investigates and corrects the inaccurate information that has been damaging my credit and exposing my personal data. I expect a prompt resolution to this matter and a confirmation of the actions taken to resolve these issues. 

Thank you for your attention to this urgent matter. I look forward to your timely response. 

XXXX XXXX has flagged your account as XXXX on XX/XX/XXXX. 

Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$770.00} XXXX  XXXX has flagged your account as 150 Days Past Due on XX/XX/XXXX. 

Source : Experian XXXXXXXX XXXX XXXX XXXX XXXXdress : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( 150 Days Delinquent ) Balance Date : XX/XX/XXXX Balance : {$260.00} XXXX XXXX XXXX has XXXX your account as Collections on XX/XX/XXXX. 

Source : Experian XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$2500.00} Source : Experian Company XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$350.00} I can present more if necessary.
Product: Credit reporting or other personal consumer reports

After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : TransUnion - XXXX XXXXINQUIRY - XX/XX/XXXX TransUnion - XXXX XXXX INQUIRY - XX/XX/XXXX TransUnion - XXXXXXXX XXXX XXXXXXXX INQUIRY - XX/XX/XXXX TransUnion - XXXX XXXX INQUIRY - XX/XX/XXXX TransUnion - XXXXXXXX XXXX INQUIRY - XX/XX/XXXX Experian - Inquiry Name : XXXX XXXX - XX/XX/XXXX Experian - Inquiry Name : XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : 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 These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are falsely reporting that I am ( 120-180 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Debt collection

I sent a certified letter that the debt they are collecting is not mine and I have gone through this issue already with the original debtor and other credit agencies. I told them to stop contacting me, but they continue to call my multiple times a day at my home, on my cell, to my office ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I called into each credit bureau and asked them kindly to please do a full investigation of every piece of information on the accounts listed below over a month ago! And nothing was done. I called in because i didn't not recognize the accounts and they are unauthorized. 

15 U.S.C 1681 C-2 605B A : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not any information relating to any transaction by the consumer.

CFPB, Please help me work with the credit bureaus to make sure these accounts that do not belong to me get removed from my reports. I just want my report to be 100 % mine and 100 % accurate. I want my voice to be heard and I want the credit bureaus to do a proper investigation and review every detail of all these accounts as well as my ftc report and police report and remove these unauthorized accounts. Like I said, I believe I'm a victim of identity theft so they should be removed within 4 days of receiving this anyways because I just filed the ftc report and police report. ( review 605b ) The accounts/inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX EXPERIAN XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 2022
Product: Credit reporting

XXXX-XXXXShow Details XXXX XXXX/XXXX/2007 {$11000.00} XXXX/XXXX/2015 {$11000.00} CHARGE-OFF is reporting this XXXX on credit report. I have disputed many times and have called to have removed. They continue to report this as a duplicate which is preventing me from obtaining credit for as the false reporting is lowering my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Its not fair that I became a victim of identity theft and I have fake inquiries and accounts that destroying my score. I can not proceed in my financial planning like at all. Look this is not fair situation and I want to get rid of these items. Please delete them from my credit report. I do not deserve to suffer like this.
Product: Student loan

I have been getting many calls and emails on a daily bases. I am getting harassed by this company who says that they are private when I never sign with a private company. 
The President says student loans are defer until the XXXX. When I told them about this they claim that it do not apply to private student loans. They also claim that they have their own deferment due to the pandemic, but they are still adding interest to my account. 
They also claim that I can call every month until XXXX. I believe this is some kind of scam, or is not legal during the pandemic.
Product: Vehicle loan or lease

My car loan was serviced through GM financial on XX/XX/18. I have XXXX which is a 3rd party that pays auto loans and pays them off quicker. The company does not allow bi weekly payments, they also don't show a payment history on my account that tells me what went to interest and what goes to principal. I was told I can't see the payments the 3rd party makes on my behalf because I didn't pay them. My account shows no payments posted. I was told the only way to see my payment history and what was posted was through the monthly statements. I was told my account accrues interest everyday which was not told to me at the time of my loan signing. I was told I can't request an amortization statement. I am just being told I can't see or do anything with the account but see the basic stuff which to me is not consumer friendly especially since I am the consumer. I can never see anything that goes to what payment. I am being denied my right as a consumer to know where my money goes, and I am being denied my right as a consumer to see what is happening. To me this is a fraudulent lending practice because my loan was XXXX at the time of the loan, and now I owe them more than the original loan terms after 2 payments of XXXX has posted to the account. I know owe them XXXX. I believe I am a victim of predatory lending.
Product: Debt collection

A collection agency named " Midland Credit Management " is reporting inaccurate information on a monthly basis about an old credit card debt that was written off XX/XX/XXXX. This was " sold '' twice with " Midland '' acquiring XX/XX/XXXX. I sent them a certified letter of which they responded. They still report that this was " Opened '' XX/XX/XXXX. This is an attempt to injure my credit for years to come. This practice could go on for a lifetime.
Product: Checking or savings account

I stayed with the federal limits of withdrawals I was never issued a warning that I would be fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nearly two months ago, I disputed information on my Experian consumer report in part with respect to inaccurate descriptions of my account with XXXX XXXX XXXX XXXX. On XX/XX/2020 Experian responded ( attached ) requesting additional relevant documentation. I replied to Experian on XX/XX/2020 with additional relevant documentation including court records ( attached ). This submission grants Experian an additional 15 days to investigate my dispute by statutory requirement ( FCRA ). However, I have not heard from Experian about the status of my dispute with XXXX as of today 's date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized to transfer or share personal credit information with any outside parties my consent was never given. This is unlawful and should not be permitted by any company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent accounts and addresses with 14 fraudulent inquiries. I will attach the FTC report with police report and photo of fraudulent inquiries. Listed below are fraudulent accounts. 
( XXXX XXXX XXXX XXXXXXXX - {$1000.00} ) ( XXXX XXXXXXXX XXXX XXXX XXXX - {$380.00} ) ( XXXX, XXXX / XXXX - {$480.00} ) ( XXXX XXXX XXXX XXXX XXXX XXXX  - {$7300.00} ) Closed fraudulent accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Please read identity theft report for fraudulent inquiries )
Product: Debt collection

Describe what happened so we can understand the issue ... 
XX/XX/2015 I was contacted by ATG credit in reference to a Medical debt totaling XXXX for numerous accounts. I was advised that it had not reported to the Credit Bureau as of yet and in order to hold the account from further action I needed to pay the balance. I agreed to a one time payment of XXXX over the phone and advised that I would try to make a large payment the following month. On XXXX XXXX ATG withdrew XXXX out of my checking account. I called them immediately and was advised they had me on record authorizing this amount. I told them that it was untrue. They advised me they would review the recording and call back When the representative called back she advised me it was valid. I asked her directly if the recording stated I agreed to this amount or did I say that I would make arrangements for the amount. She stated I agreed to it which is a blatant lie. 

I filed a fraud complaint with my bank and the BUREAU OF CONSUMER FINANCIAL PROTECTION ( XXXX ) for the funds which were returned ... .. 

Today I received a call from XXXX for the same debt for XXXX I explained to her they have already reported to my credit bureau which she states they have not. She said they have sent numerous letters no letters have been received from ATG credit since their violation of EFTA. She demanded a payment arrangement and advised me it would be reported the following week. The previous payment arrangements were for the same hospital stay I believe they are finding a reason to contact me again by misinforming of the number of accounts/balance and I feel harassed and confused about what I actually owe. I will not give them any payment information based on the fraudulent abusive and unscrupulous actions previously. 

XXXX ATG Credit LLC said : Explanation of closure We have reviewed the account and determined that the complainant did agree to the payments but asked us to hold them until she contacted us back. The payments should not have been processed. We have placed the account on hold and as a courtesy have removed from reporting on credit. The account is still outstanding but we have pulled future payments and removed from credit. It appears the payments did not clear so the balance does remain outstanding but as a courtesy we have removed from credit for the time being.
Product: Credit card

On XXXX XXXX, XXXX received a call and voicemail from XXXX regarding an urgent matter that has escalated to her desk. XXXX requested a call from either myself or my attorney. At no time, did XXXX state the reason for the call. Upon returning the call on XXXX/XXXX/XXXX, another representative informed that the call was regarding a credit card. Although, she was not certain why XXXX was calling as the account is current and there is no balance due. 

The issues I have with the customer service practices are the following : 1. the person never identified the company she was calling about 2. the person left a very misleading and vague voicemail 3. the person never left the intent of the voicemail ... is it a lawsuit, debt collection, or something unrelated to financials. Just a urgent matter I also spoke with a member of leadership, XXXX, during that conversion I was informed that her company changes scripts frequently to accommodate the frequent law changes. XXXX proceeded to inform me that it is not needed for her company to identify themselves when attempting to collect a debt. Upon question this statement, XXXX then stated it is suggested that a representative state who they are calling on behalf of but not required by law
Product: Payday loan

I was told by this company only told me XXXX.they wont told me who borrowed from or what I owe they wont provide any information and they call me ( XXXX ) and or they do is threaten me being garnish and actually physically threaten me.. They keep telling me I wont pay them but I do n't even know who they are and what I owe. they told me I borrowed this in 2010
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a WELLS FARGO VISA Credit Card. Several days later I was rejected based upon a list of possible reason ( s ) for the declination. 

Several months ago, Wells Fargo closed my {$2000.00} line of credit which I held with a local furniture company. They did not inform me and then reported that I, the consumer, had requested the account to be closed. That is untrue as I did not want the account closed. I did not contest the falsity of that on my Credit Report ( s ) though in hindsight, I should have. 

Now that Wells Fargo has rejected me for this VISA Card I suspect, although I obviously am unable to prove it, that they are discriminating against me for reasons of my age ( XXXX ), my sex or my race. I can not understand their " lack of reasoning '' when my current credit history is excellent ; I pay my bills timely, and I have other banks which find me credit worthy. 

I am therefore bring this Complaint under the purview of the Federal EQUAL CREDIT OPPORTUNITY ACT which prohibits creditors from discriminating against credit applicants under various forms of discrimination, including and not limited to, age, race, sex, etc. 

In trying to do online research it appears that Wells Fargo is infamous about the sleight of hand which they use when determining whether an individual is credit-worthy. Again, I am unable to " prove it '' but I see no other reason for their declination aside from some form of " hidden to the applicant '' discrimination. 

I bring my case before you and I ask that you advise me of your thoughts on my concerns against WELLS FARGO BANK. 

Thank you, XXXX XXXX XXXX
Product: Credit card

I don't know XXXX  @ XXXX said because of collect law which I though was to protect consumer she would not tell me. 

That is wrong
Product: Debt collection

I received an email from Allied Collection Services Inc. ( ACSI ) om XX/XX/2020 about a unverified debt with XXXX in the amount of {$2800.00} The email stated I was previously contacted by mail but I have not received anything from this agency until they somehow got my email address. 
I responded by sending a Debt Verification letter by certified mail on XX/XX/2020. I asked for why yo thing I owe the debt and whom I owe it?, The amount and age of the debt, and detail about the authority to collect the debt. This is a summary but there are 14 bulleted items they were requested to respond to. I received a signed return receipt that verifies my letter was delivered. 
ACSI responded by sending a letter dated XX/XX/2020 that only provided the original creditor name and amount. The letter status '' Pursuant to your request, we have obtained verification of the debt ; provided the requested information to you as require by law and have as result resumed collection activity in accordance with Title 15 U.S.C. 1692 ( g ).

The letter from ACSI does not verify that this is my debt and belongs to me. There has been no additional information and documentation provided. The letter ACSI sent as verification is the exact same information provided in the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe there could be some unintentional misunderstanding here. This account was already PAID and should not have any late payment recorded as I pay this on time. You failed to provide accurate and correct information. Various dates listed under the date of the last activity, last payment, last report, and date opened.