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

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Debt collection

In XXXX XXXX XXXX I sent a letter to CMRE Financial Services for a XXXX XXXX account that they placed on my credit and have yet to receive a response or account deletion. The account was paid in full, Per The Medical Debt Relief Act of 2021 ; Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) ; Fair Credit Reporting Act 1-year waiting period before medical debt will be reported on a consumers credit report and to REMOVE PAID- OFF and settled medical debts from credit reports that have been fully paid or settled.
Product: Money transfer, virtual currency, or money service

Here is the original case number. XXXX so after being told to do a chargeback by XXXX managers over the phone and can't because of my other worthless bank... .someone at PayPal finally listened and got all of my info and story in XXXX place. Their reason for denying this appeal? On XXXX I added a new card and bank. Duh! I opened new accounts because my regular bank wasn't helping! Those were my new account information! 

Attached is a screenshot showing their reason why for denying me. This is getting ridiculous and their are reaching into the deepest of bowels to come up with reasons not to help. 

I was giving permission to perform a chargeback by XXXX separate managers over the phone. Is there a way to do this without being able to get into my old account?
Product: Debt collection

Statute of limitations in CT for credit card debt is 3 years, last date of action on account was XX/XX/XXXX. Court action was filed XX/XX/XXXX. The address on the lawsuit was an address I hadn't resided in since XX/XX/XXXX and mail was no longer being forwarded, so I did not receive notice of the suit or any of the resulting rulings. XX/XX/XXXX a default judgement was entered & on XX/XX/XXXX a motion for wage execution. The execution was served to my employer XX/XX/XXXX & forwarded to me by them postmarked XX/XX/XXXX ( 2 days before 20 day exemption period to ask for a stay of execution from the court ). XX/XX/XXXX I attempted to file a motion to open the judgement but was denied the fee waiver XX/XX/XXXX and because of wage execution have been unable to afford the fee. 
As of today, the following amounts have been deducted from my paycheck : XX/XX/XXXX : {$290.00} XX/XX/XXXX : {$290.00} Total : {$580.00} Total amount of judgement : {$1300.00} Total amount of wage execution ( w/ fees ) : {$1500.00} Total amount due after Marshal 's fees : {$1800.00} The company ( XXXX XXXX ) has a history of these behaviors and was previously served a consent order by the CFPB, along with its ' parent company Encore Capital Group , on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX XXXX Balance : {$4200.00XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! I am a victim of identity theft, and under Section 605b of the FCRA, CREDIT BUREAUS are required by law to remove any items or data that have been opened as a result of identity fraud. The accounts in dispute DO NOT belong to me. Nonetheless, the requests I sent out were purposefully denied and ignored, which I thought was unprofessional on the Bureaus ' part. Once again I am requesting the XXXX, Equifax and XXXX Bureaus to remove these specified accounts below : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX Account Balance {$15000.00} XXXX XXXX XXXX  XXXX Account Balance {$0.00} EQUIFAX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX Account Balance {$15000.00} XXXX : XXXX XXXX XXXX Account Balance {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED SEVERAL TIMES TO GET THESE FRAUDULENT INQUIRES OFF MY EQUIFAX CREDIT REPORT, MY IDENTITY WAS STOLEN DUE TO THE EQUIFAX DATA BREACH, I FILED A POLICE REPORT, AND FILED A FEDERAL FTC REPORT, THE FRAUDULENT ACCOUNTS WERE REMOVED FROM MY CREDIT REPORT BUT NOT ALL OF THE FRAUDULENT INQUIRES, XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, I HAVE BEEN LIED TO NUMEROUS TIMES FROM REPRESENTITIVES FROM THIS AGENCY STATING THAT THEY HAVE REMOVED THE INQUIRES, OR THAT THEY DONT SEE THE INQUIRES, BUT YET AS OF TODAY THESE INQUIRES STILL ARE REPORTING ON MY CREDIT REPORT,, I WILL ATTACH MY FTC REPORT, AND POLICE REPORT TO SUPPORT THESE CLAIMS, MY RIGHTS HAVE BEEN DENIED TO ME BY THIS AGENCY, I AM ALSO AN EQUIFAX PREMIUM MEMBER WHO PAYS FOR IDENTITY THEFT PROTECTION, YET WHEN EVER I TRY TO GET HELP FROM THIS AGENCY, I GET TREATED AS IF IM THE ENEMY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$870.00} CHAPTER XXXX BANKRUPTCYDISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Mortgage

To whom it may concern, The story is very long and complicated and we have already written before about our situation hoping that all would be resolved. 
In brief we received a COVID exemption on our mortgage during the COVID pandemic. We were given three different COVID relief packages and gratefully took them. Wells Fargo said we would add the back mortgage payments to the final payment at the end of our tenure as owners of the house. 
When the covid relief ended we requested a loan modification and were approved. We sent in the documentation requested, the final signatures and were told that they were being upgraded to the system and all was fine. After a strangely long time and our attempt to contact someone with knowledge at Wells Fargo without any success, we decided to just go ahead and pay our old mortgage payment and proceed until someone contacted Us. 
Much to our surprise, we were unable to pay the mortgage and wells said we had gone into foreclosure. 
Letters had been mailed but not received and we were totally dumbfounded. This was not only consistent with the covid relief statements but it was also double tracking as we were in the process of an approved loan modification. 
Again we spoke with great difficulty to someone at wells fargo and were told that a mistake had been made that the foreclosure was not happening to proceed with our loan modification and make mortgage payments. We promptly made a mortgage payment which was accepted and eagerly awaited news about the second time asking for the loan modification. 
Now we have received in the system a note that we have thirty days to do a shortsale. 
This is illegal but the stress and anxiety that it is causing me and my wife and daughters is extreme. 
This is not honest, professional or legal and we need help. 

Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here is the detail of the late payment accounts, company name, balance & date last reported : XXXX  / {$0.00} / XX/XX/2018
Product: Student loan

I've reached to Nelnet because in XX/XX/2014  I feel behind in monthly payment I was high risk XXXX I had to stop working I reached out to them to stop payments and they did but I was 3 months late, they weren't able to remove the late charge as they said they were after I paid the balanced, the 3 months late in XX/XX/2014  is still damaging my credit, the reason for this is if I can get the late payment removed, I'm a first XXXX XXXX XXXX and this is damaging my credit to qualify, my account has been up to date and good payment history since XX/XX/2014,
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland credit management is reporting an account on my consumer reports that i have no recolection of and they have absolutely no documentation to on this account to provide me to validate this account basically all they have is my name and an amount they are trying to collect on, no other form of documentation to prove this alleged debt. I have asked multiple times for validation and they can not produce any valid documentation. i was this account removed from ALL of my consumer reports immediatly.
Product: Credit card

Several fraudulent charges were made onto my Discover credit card, I filed a case with Discover and they originally refunded me for all the charges ; but for whatever reason they charged me again for half of the fraudulent charges even after they reassured me that all charges would be covered. I had to escalate this to their customer fraud support team, and also had provided them with a Police report, showing the case was approved and that all charges were in fact fraudulent. I submitted this all to their fraud team and they conducted an investigation and at this point they for whatever reason denied the refund of all the fraudulent charges. Even with the police report showing the charges were fraud, and them reassuring me that all of the charges were going to be refunded, they went back on their agreement. Throughout the investigation, not once ever received any calls or emails in regards to the status and what they needed from me until I reached out to them multiple times to get updates. The last time I received our was on XX/XX/XXXX, and they stated that they had closed to case because they needed more information, and they not once contacted me in regards to this, I asked what information they needed and they said they needed information on the suspects the police department has in regards to the police report, which I can not find them a suspect that is the job of the police.
Product: Credit card or prepaid card

Hello, I opene d a CITI AAdvantage MasterCard  on  XXXX / XXXX /  XXXX  .     I setup access to the online account and established autopay on the day my card arriv ed ( a pprox.  XXXX / XXXX /  XXXX   ) for the first payment that was due on  XXXX / XXXX /  XXXX  . When I went in to check my card on  XXXX / XXXX /  XXXX  , the payment still had not posted. Unknown to me, the first payment had to be made manually to activate the autopay account. This was not stated anywhere when I set up auto pay. I went ahead and made the minimum payment on  XXXX / XXXX /  XXXX   for {$51.00}. I tried to make an additional payment of a larger amount but the  CITI  site would not let me as long as there was a payment pending. I had to wait until  XXXX / XXXX /  XXXX   to make a {$1500.00} payment to the account. The result was that my first payment was deemed late by  1 week . Although this is not reported to the credit bureaus, it is reported internally and when I ca lled CITI and  spoke with  XXXX  on  XXXX / XXXX /  XXXX  , she stated there would  be a note added to my account but going forward to pay my bill on time!! Imagine my outrage. I had set up auto pay so I would not be late and am never late with several credit accounts I hav e . CITI went a nd charged my account a late fee of {$25.00} on  XXXX / XXXX /  XXXX   as well. This is unacceptable. Now, internally, I will always be flagged as having a late payment and more than likely my account 's credit limit will not increase either. I would cancel the account but in doing so will hurt my actual  credit score even  more so I will only use it for travel and when I can get miles from it for which it was intended.
Product: Student loan

RESPECTIVELY SIR SIR I HAVE THREETY YEARS RELATIONSHIP WITH THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX  SEVEN YEARS ASSOCIATED WITH THE XXXX XXXX XXXX XXXX XXXX XXXX, SIR I AM XXXX STUDENT OF XXXX XXXX XXXX SCHOOL CONTINUES YET N CURRENTLY IN STUDY ENGLISH LANGUAGE AT XXXX XXXX, SIR KINDLY ALLOW ME TO PERFORMANCE WITH YOU AND GRANTS ME SCHOLARSHIP, SIR I SURE U THAT I WILL PERFORM DUTIES WITH LOYALTY, THANKS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX,
Product: Debt collection

As I was reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with one being XXXX XXXX ( Also known as/part of Continental Finance ). Yes indeed Ive attempted to rectify the issue on my own by initially disputing and requesting validation via the 3 major credit reporting agencies directly on XX/XX/2018 ... the responses I received were verified It appears that these agencies aren't doing any type of validation but asking these creditors is what they've posted accurate and no one doing any real investigation. I then decided to contact them ( XXXX XXXX/Continental Finance ) directly on XX/XX/2018 ( letter of dispute requesting validation along with fax confirmation attached ) and to date, I've received no response at all. I attempted calling ( XXXX ) today for another fax # or to confirm that which I have and the young lady ( XXXX ) advised me there wasn't one she could give me. The fax number ( Fax : XXXX ) is indeed associated with their company. I have learned in my investigation they have several different cards/multiple company names and have had some legal issues as well having to refund customers an approximate $ XXXX ( XXXX XXXX   XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My Son XXXX XXXX has been added to my credit report - listed as another name that I go by which is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) remove from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : Experian What happened? 
Thank you for reviewing this case. I am in the process of buying a home History : On XX/XX/2024 I reviewed my credit report and XXXX Score. Though my credit report did not reflect/indicate any negative factors that would impact my stellar XXXX score of XXXX, it had tumbled to XXXX!!!!! 
I immediately contacted Experian to ascertain what the problem might be. They did not proffer any reason and echoed that there was not anything they could do. Consequently, I contacted your organization. Because of your assistance, my XXXX score climbed to XXXX perfect score!!! 
Experian XXXX EXCEPTIONAL XXXX No change as of XXXX XXXX, XXXX  Experians history repeats itself. I strongly suspect that they will once again proclaim that there isnt anything they can do. Thus, this letter to you. Yesterday, XX/XX/2024, I received an email from Experian. It advised me to check an alert that said my XXXX score had spiraled down to XXXX I ALWAYS pay my bills 2 weeks in advance of their due dates. My debt -to- income ratio glows. I seek to be made whole once again so that I will have the privilege of purchasing a home. It is incomprehensible to me that an organization such as Experian blatantly refuses to rectify its errors. 
What would be a fair resolution to this issue? 
To have my stellar XXXX XXXX  score restored and be provided with a rationale why it was unjustifiably decimated. Thank you.
Product: Money transfer, virtual currency, or money service

I received emails from Coinbase informing me that twice the amount of money I had authorized for them to withdraw from my checkings account had actually been withdrawn. I contacted them for a detailed report of the withdrawal and a receipt and did not receive anything. They then automatically flagged my account and locked it. I changed my password for security purposes but was still not able to log into my account to access my assets. 

The following are dates in which I contacted Coinbase support : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX I received canned responses from support on XX/XX/XXXX, XX/XX/XXXX, and XXXX that did not answer any of my questions or address the issue. 

My account has been locked for over a month with no status update. 

Many others have been experiencing the same issue and their customer support is nonexistent.
Product: Money transfer, virtual currency, or money service

My Identity was stolen! I got a police report I noticed a company named Acima was on my credit report twice! Once for the amount of XXXX and another for XXXX this is Fraud not my charges!!! We have been going back and forward for months I'm preparing for court this it not right and this company needs to be held responsible for there actions!!!
Product: Vehicle loan or lease

MY complaint or request is to Lendmark Financial, who i've been making my car payments to the past year. 

From time to time during the payment process and as recorded on the monthly statements, the interest payment amount has been recorded very low. This has happened several times duran the 12 month payment period. 

See attached : THe XX/XX/XXXX statement shows the paid Interest amount as : {$330.00} - with the Principle amount being only : {$13.00} I've reported previously about how Lendmark Financial ignores the contract or payment document that sets the first payment being XX/XX/XXXX, but instead reports the first payment to the credit bureaus as XX/XX/XXXX. They also report for both XXXX and XX/XX/XXXX showing the amount due for those amounts, but nothing recorded as paid for those two months. This of course caused my credit score to drop over XXXX, because the credit reporting is showing the first two months ( XXXX ) as missed with payments starting only for XX/XX/XXXX. 

Lendmark refused to correct that wrongful credit reporting that cripples my credit reporting by pushing my score below XXXX. 

Now they continue to wrongfully record the amount that should be recorded on my account, it seems to further cripple my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Bankruptcy : Dismissed CHXXXX on eq XXXX Bk Chapter XXXX-dismissed XX/XX/XXXX XXXX Bankruptcy chapter XXXX-dismissed XXXX XXXX XXXX XXXX XX/XX/2006 XXXX
Product: Credit reporting or other personal consumer reports

Around XX/XX/2024, I sent three notarized letters to XXXX, Equifax and XXXX to remove all old addresses. I have a right to privacy. Also, they have my name listed as XXXX, my name is spelled XXXX. 
I also sent letters to each bureau to send a free copy of my report and I never received my report from all three companies. 
I also never filled for an Equifax loan. This is identity theft. They also have an hard inquiry that I asked them to removed and they still have not. I have a low score from Equifax because they refuse to remove an old XXXX bill that XXXX stated I sent the product back and therefore do not owe any funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

i looked at my XXXX credit report and see unauthorized inquires on my account