23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ive tried contacting the company several times through mail and CFPB And nothing gets rectified they say theyve done a full investigation and put incorrect numbers on my credit report
Product: Debt collection

I have money being illegally garnished from my account for a credit card that was paid off in full. XXXX of Colorado is currently garnishing my wages over a credit card that was paid off in full in XXXX of XXXX. I have copies of the checks stating the amount had been paid in full.They have been taking over {$110.00} and sometimes more from my account since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute to Equifax with court documents to substantiate the erroneous chargeoff and lates on listed on my credit report and they refused to update my credit report. They also did not cite a valid reason why. This continues to affect my credit score.
Product: Debt collection

I recently have been receiving phone calls from a collection agency called XXXX XXXX XXXX stating that they purchased my debt for a credit card from another agency. 

I haven't received any letters or notifications on any attempt to collect this debit. In addition the person that I spoke to a XXXX XXXX stated that they have been mailing the letters/notices to me for the last 8 years to me but the address they had on file was incorrect as I have not resided at the said address for 8 years! 

In addition Mr. XXXX threatened me and stated that they were going to take me to court and that they were going to garnish my paycheck immediately if I did not give him by banking information to start making payments. 

I checked my credit report and did not find anything that is in collection or past due. I have also checked into the company and have seen several statements made that they are scamming people into paying for debts that are either several years old or that they do not even owe!
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus to dispute inaccurate addresses and dates of birth, but they have failed to update and change this information after I submitted documentation. 

Incorrect addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Incorrect DOB : XXXX. XX/XX/1962 Correct DOB : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted in XXXX or XXXX that a XXXX XXXX loan was taken out by an individual XXXX XXXX. XXXX used my information without my consent, and listed me as a co-signer for the private loan. As a XXXX XXXX XXXX  we were told that re-payment of the loan will occur after graduation. I was notified of paying for a loan which was improper and I was then informed that I was the secondary holder for the loan. During this time, XXXX XXXX was the lender. I made the proper steps by filing a report and sending the information to the lender. 
On XX/XX/XXXX, I was notified that the loan payments were late. I spoke with the representative who opened another investigation. On XX/XX/XXXX, my credit score decreased by XXXX points. I was under the impression that XXXX will file a report or investigation, however, it was reported to all XXXX credit bureaus which drastically affected my credit. 
I have filed a complaint with the FTC, previously placed identity fraud of my social to avoid theft in the future.
Product: Mortgage

On XX/XX/XXXX we held a mediation session with Wells Fargo ( WF ) rep and mediator. After receiving notes from the mediator it turn out the notes were incorrect to the facts : ( XXXX ) The notes says we purchase the house for {$900000.00} but fact is the house was purchase for {$390000.00}. ( XXXX ) The current value of the home is $ XXXX not $ XXXX. ( XXXX ). To make this right and with my humble and fair judgement I tried to negotiate a fair settlement in good faith, so I lowered the settlement from the requested initial offer of $ XXXX to $ XXXX. Fact is there was a identified error identifed by XXXX in letter dated XX/XX/XXXX,, XXXX ( note a error that was idenfited approximate XXXX years ago ), that prevented us from obtaining a modification to lower our payment in XXXX and that same error mostly likely existed even in that XXXX XXXX that prevent us obtaining a modification / payment plan so we could retain our residence. Fact is this error did cause harm to me and my family financially and in the fact we had to sell our home to prevent XXXX foreclosing on our home. Sadly the error cause significantly hardship to me and my family because we had to move and went back to renting a house at {$3000.00} more than our mortgage at the time which was at approximately {$2600.00} per month. Even though it was identified by XXXX XXXX years later that this major error occured to our approved and finalized loan modification still cause significantly finanacial hardship. 
Sadly the unwillingness of WF not meeting me half way to make this right they chose the lower an insulting amount by offering me only $ XXXX vs. $ XXXX that I was willing to accept to make this whole situation settled and finalize. So yes I accepted the non-binding sum of $ XXXX but this is not a fair with actual facts that was discussed after offering three counter offers ( see attachment ) below the requesting offer of $ XXXX. Lastly XXXX admitted the errored that occured XXXX years ago is unwilling to present a fair resolution that would correct a horrible error that led to the selling my my ( our ) home XXXX years ago. So again I asking for the much lower amount of $ XXXX to resolve this unfortunate error that occured XXXX years ago. 
I've attached the non-binding mediation agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, I the affiant is aware that and has proof XXXX, XXXX, and Transunion have violated my consumer rights. I the affiant am being violated by law 15 usc 1681g and 15 usc 1681g ( a ) ( 1 ). On Sunday XX/XX/2021 around XXXX I tried to get my 3 free credit reports, 3 free investigative consumer reports, and 3 free credit files but was denied my request. Also, I have made additional efforts to reach out and send a letter to " ANNUAL CREDIT REPORT '' certified mail and notarized it aswell on XX/XX/2021 around XXXX. I am askingthat you help me with this inconvenience and frustration I'm having receiving my request. Please and thank you very much. 

Email address : XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

A credit card was taken from my desk in my house by a grandson, used to charge {$1400.00} at a strip club, then returned to the house. Bank of America refuses to honor the dispute because the chip on the card was used and my name was forged on the receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts that exist on my credit profile that was opened up fraudulently by someone that stole my information due to a Data Breach that I have been involved in. The three accounts are, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now I have contacted Equifax several times about these accounts in question and have sent several legitimate and legal documentation that was required and requested by Equifax to do so, but still these account have yet to be removed and deleted from my credit profile as they should already be. These same documents will be included in this complaint for all to see. I didnt open any of these accounts nor did I benefit from these fraudulent accounts. I am a war Veteran that fought in the XXXX XXXX XXXX and countless missions in XXXX and was wounded physically and mentally because of these battles that I endured. I have been diagnosed with XXXX  XXXX and I shouldnt have to deal with problems like these that should easily have been solved without having to go thru so much red tape. I didnt open the accounts nor did I benefit from them so why should I have to pay for something I didnt even do. Its very shameful how Equifax has treated me concerning these fraudulent accounts. This is how a war Veteran is treated after fighting for this countrys freedom and rights but my own are denied.
Product: Credit reporting or other personal consumer reports

Identity was stolen and I was informed to file a police report and provide it along with my documentation for dispute with the credit bureaus. It resulted in unauthorized inquiries in my name and fraudulent credit cards in my name as well. 

This police report was requested by the companies and the credit bureaus as a part of the dispute/investigation process. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX : {$14000.00}
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I mailed a dispute letter to Equifax via XXXX certified mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX. In my letter, I disputed the accuracy of certain negative items on my credit report, including a bankruptcy. Additionally, I requested detailed information about how Equifax conducted its investigation, specifically : The date Equifax contacted the creditors or furnishers. 
The contact information of the creditors or furnishers. 
The name of the individual who verified the disputed information. 
The method of communication used to verify the information. 
Whether my personal information ( e.g., Social Security number, address, date of birth ) was provided during the verification process. 
To verify my identity, I included copies of my Social Security card, government-issued ID, and proof of address in my dispute package. 
Despite my efforts, I have not received a response from Equifax within the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ). According to the FCRA, if a consumer disputes the completeness or accuracy of any information in their credit report, the credit bureau must respond within 30 days by conducting a reasonable investigation and informing the consumer of the results. XXXX failure to respond violates my rights under the FCRA. 
Attachments Provided : Copy of my dispute letter dated XXXX XXXX XXXX. 
Proof of mailing ( XXXX tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ). 
Copies of my Social Security card, government-issued ID, and proof of address provided with the dispute.
Product: Credit reporting or other personal consumer reports

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, Experian, XXXX, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, Experian, XXXX, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

Experian, XXXX, XXXX XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which states no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Vehicle loan or lease

I have an auto loan with Chase Bank. 

On XXXX XXXX my payoff check was delivered to Chase Bank per their instructions in the amount of {$51000.00}. 

As of XXXX XXXX they still have not cashed or processed the payment and keep instructing me not to put a stop payment on the check. Further, they can not confirm if they even have my payment. 

It has been XXXX weeks of the same excuses. I just want to pay my loan off early. I have had to overpay the loan now to ensure no late payments. 

I have never been late or delayed paying my loan.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX, CA XXXX XXXX. My date of birth is XX/XX/XXXX and my Social Security XXXX is XXXX. 
I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts and addresses from my credit file. While checking my credit report, I noticed accounts, I did not authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Experian has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence.

Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I also found fraudulent collections, names, inquiries, and employers. 
FROUDULENT ACCOUNTS! 
XXXX XXXX Balance : {$3900.00} Balance updated : XX/XX/XXXX Credit limit : {$3000.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Credit card XXXX Balance : - Balance updated : - Credit limit : {$1300.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Charge Card FROUDULENT AUTO LOANS! 
XXXX XXXX XXXX XXXX : - Balance updated : - Original balance : {$19000.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Auto Lease XXXX XXXX XXXX : {$12000.00} Balance updated : XX/XX/XXXX Original balance : - Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Auto Lease FROUDULENT INQUIRYES! 
XXXX XXXX XXXX IN Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX FROUDULENT EMPLOYERS! 
XXXX FLOORS AND MORE FROUDULENT NAMES! 
XXXX XXXX FRAUDULENT COLLECTIONS! 
XXXX XXXX I Balance : {$30000.00} Balance updated : XX/XX/XXXX Original balance : {$24000.00} Account number : XXXX Date Opened : XX/XX/XXXX Account type : Debt Buyer Status : Collection account. {$30000.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX XXXX XXXX XXXX XXXX : {$540.00} Balance updated : XXXX XXXX, XXXX Original balance : {$540.00} Account number : XXXX Date Opened : XX/XX/XXXX Account type : Debt Buyer Status : Collection account. {$540.00} past due as of XXXX XXXX. 
Status updated : XX/XX/XXXX XXXX XXXX XXXX Balance : {$2300.00} Balance updated : XX/XX/XXXX Original balance : {$2300.00} Account number : XXXX Date Opened : XX/XX/XXXX Account type : Debt Buyer Status : Collection account. {$2300.00} past due as of XX/XX/XXXX. 
XXXX updated : XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

Leasing agent evicted me XXXX XXXX for non payment of rent in the amount of {$850.00}. The leasing agent would not honor the rental payment, late fees, and or court cost filing fees that was submitted by " XXXX XXXX and XXXX XXXX ''. In which the check in the amount of {$2600.00} the leasing agent cashed, kept, and put into her pocket book. And I have not been able to utilize their/there agency for " extra additional services and or assistant ( s ).
Product: Mortgage

Contacted Carrington mortgage XX/XX/2019 to check status of the mortgage assistance request I emailed and faxed Carrington 3 weeks ago. I was told by Carrington customer service they stated they had not received my documents and financials for mortgage assistance. Recently I have faxed and emailed my documents 3 additional times and they are still saying they don't have my documents.

I feel and know Carrington is unwilling to work with me and they are giving me the run around.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information were erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$260.00} XXXX  XXXX XXXX Balance Owed : {$710.00} XXXX  XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance Owed : {$120.00} XXXX  XXXX Balance Owed : {$830.00} XXXX XXXX Balance Owed : {$280.00} XXXX  XXXX Balance Owed : {$580.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I have many incorrect and inaccurate Information on my credit report, Capital One/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting immediately action due to fraud and I have filled many of reports and I have been advised legally to take to further matters if this information is not removed as FCRA allows and regulations. Fix all inaccurate Information and delete immediately as this is my final request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a total of three disputes to Experian ( dates : XX/XX/2020, XX/XX/2020, XX/XX/2020 ) Experian has refused to do an investigation into my disputes. After I have provided all the necessary supporting documents and proper identification. 
They are now in violation of FCRA Sections 616, 617, 609, 611 and 605B.

When I attempt to call, no one answers and an operator gives me  prompted choices that has nothing to do with my concerns. If I do not chose any of the options the operator hangs up on me. At this point, Experian has continued this willful and negligent noncompliance and I am submitting this complaint to the Consumer Financial Protection Bureau to investigate their practices further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of id theft, I have disputed several of my accounts with the credit bureaus, XXXX, XXXX  and XXXX, I have requested that they prove these accounts are mine, I asked for contracts with my signature on it, etc. The would simple respond that I need to contact them furnisher directly etc. They asked me to provide police report etc, First off I am a XXXX man in America. I am not going to the police to report anything, I tried to get a police report done online but my local police does not allow that. I am asking you to get involved because the credit bureaus seems to side with debt collectors. Further more I asked the credit bureaus to correct my reports due to the fact that XXXX   would delete a certain account on my file but transunion will say they verified the account. so my profile is not accurate due to the fact that they are not reporting correct information.
Product: Credit reporting

I am putting in a complaint because I am trying to upload my ID and utility bill to the experian upload website to have my extended fraud alert removed from my credit profile and it is not letting me upload my documents, it is telling me to mail in the form. I have added a security freeze on my report already and want the alert to be removed as it is becoming a problems in getting financing.