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

Everytime i purchase that involve credit report, that Toyota Motor Credit {$5100.00} still shows in my credit report everytime i refinance the house or car or purchase a product. That {$5100.00} has been paid off 2 years ago and i even called toyota to take out that report but still shows..
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused XXXX damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood.As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inBy Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate!
Product: Checking or savings account

I've been requesting my docs from Navy Federal Credit Union but they have not sent me anything. My account set in the negative because they made a mistake on their end when I deposited funds at their atm, used them to pay bills and they began over drafting my account. This all took place in XXXX.
Product: Credit reporting or other personal consumer reports

I have life lock and it's showing multiple years of payday loans under my personal information state to state with different date of births. Different drivers license etc maybe even social security numbers all kinds of junk I can't access my XXXX XXXX because of these theives I have multiple police reports here in XXXX XXXX XXXX XXXX XXXX XXXX XXXX police XXXX police department who ever it is just going from state to state main base is out of California. I have a usps case for mail theft as well
Product: Debt collection

I have been trying to resolve this issue since getting notice that it was on my credit file. An account from XXXX XXXX for over {$2000.00} is in my name. Now I have never had a XXXX XXXX account Ive been with T-Mobile for well over 7+ years. I notified Jefferson Capital systems to send me the deb collection in writing so I could take the proper steps in getting it removed. The account used my personal information but has an incorrect address. After telling that to the debt collector they told me there was nothing they could do and offered me a {$840.00} settlement amount to remove it from my credit file. I then pulled my entire credit file to find numerous incorrect addresses spellings of my name and also 2-3 filings from the same company in different amounts. I have already gone thru XXXX XXXX in terms of a dispute in the past but everytime it comes off Jefferson Capital just files another collection for the same bill. I would like to have this fraudulent account removed from my credit file. The only address that should be listed is the XXXX XXXX XXXX address. Any other address shown is incorrect.
Product: Debt collection

ASSET CARE LLC, ACCOUNT # : XXXX ; located ; XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$100.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit card

To whom it may concern, I previously held a Sam 's Club Mastercard, which I seldom used. On XX/XX/year>, I paid off the balance after receiving a statement, following a few months without receiving any prior statements. At that time, the late fee was waived as agreed. 

On XX/XX/year>, I made a purchase of {$26.00} at Sam 's Club ( see Attachment A ). However, once again, I did not receive a statement until three months later, which included multiple late fees ( see Attachment B ). I contacted customer service and explained that I had not received the statement and would immediately pay the {$26.00}. Unfortunately, this time, they refused to waive the late fees. 

Later, I called back to cancel the credit card. The representative confirmed the cancellation ( while I dont have a recording, I have evidence of the phone call on my call log ; see Attachment C ). Despite the cancellation, I have since received monthly statements without fail, each including additional late fees ( see Attachment XXXX ). 

The company claims that prior statements were sent to my email. However, I could only find later emails from them, and no earlier statements ( see Attachment XXXX ). 

I firmly believe there was an intentional delay in sending the statements, resulting in unfair late fee charges. I am seeking justice in this matter and request that the harassment of sending monthly statements with late fees be stopped immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I got quotes from 2 mortgage companies. I went with XXXX XXXX XXXX Sent cancellation to Rocket Mortgage and called this morning [ XX/XX/22 ]. The agent kept bulling me trying to get me to mortgage with them. I checked my credit card on XXXX and they put a XXXX dollar charge on it. Called to get credit back and their refusing to refund all my money
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX, I disputed multiple accounts with Experian, XXXX, and XXXX. There was a charge-off date of XX/XX/XXXX with account XXXX XXXX XXXX XXXX XXXX Dispute was opened and closed with no documentation sent.CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING 15 USC 1681 EB. CHARGE-OFF DEBT HAS BEEN FILED AND IS NOW TAXABLE INCOME AND CAN NOT BE REPORTED TO YOUR CONSUMER PROFILE .The charge off date was XX/XX/XXXX as I checked my credit reports in XXXX. Upon checking today and calling XXXX XXXX XXXX XXXXXX/XX/XXXX that charge-off date was changed on XX/XX/XXXX. This is illegal to change the charge-off date. They changed the date due to the fact I am reporting this fraudulent reporting to the IRS. this account already had a charge-off date of XX/XX/XXXX. How come they are able to commit fraud by illegally changing the charge-off date. These accounts need to be removed as they should have legally filed the written off debt. It currently states on my credit reports it was written/charged off in XXXX now they are saying in XXXX? this is fraud. XXXX XXXX XXXX XXXX also reopened my account on XX/XX/XXXX the same day they claimed the new charge-off date occurred. They are fraudulent using my personal information to open accounts.
Product: Money transfer, virtual currency, or money service

I took out a loan from XXXX to pay off a high interest loan at XXXX. XXXX XXXX was supposed to send a check for {$8000.00} to Upgrade to pay off the loan. They sent it to Upstart in error. Upstart cashed the check on XXXX XXXX Check # XXXX the check was mailed to Upstart operations department po box XXXX XXXX XXXX California XXXX. I have spoken with XXXX XXXX and they admit to sending the check to the wrong bank but said since the other bank cashed the check there is nothing they can do. I have spoken to Upstart they said that since I do not now or have not ever had an account with them they can not do anything either. Both institutions have told me I need to speak to the other to get the issue taken care of. They have both also said I am out of luck there is no way to get the money back. Now I have to pay both the high interest loan and the one through XXXX XXXX. Someone at Upstart has pocketed the {$8000.00}. There has to be something that can be done to reverse the funds or find out where the money went so I am not stuck paying for the error made by two separate financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report inquiries that are not correct and I am sure they have not done any investigation to prove that these inquiries that they are reporting are accurate. They requested I contacted the company which is not my job it is the consumer agencies obligation to report accuracy and if they cant it must be removed. The inquiries below need to be investigated and removed immediately or risk legal action. 

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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN 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 EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report, and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to : 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 an account without my written instructions. 

Account Name : 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 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 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 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 XXXX XXXX XXXX  Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thank
Product: Credit reporting or other personal consumer reports

Many years ago TransUnion reported that I owed over {$11000.00} for a car that was already paid off and settled. Every time that I tried to dispute that I owed anything, they would decline my request to update my profile and fix the error. They informed me that the only way to fix the problem is to report it as fraud if I do not owe the debt. This company as well XXXX and XXXX all told me it was the only way to have my credit report fixed. because they said XXXX said it has not been paid. They refused the documents I showed them that prove that the insurance and gap insurance paid off the car. For the past year because my credit report had been frozen, I could not see the changes they had made to my account. So, after I reported fraud like they instructed me to do. They secretly updated the account to paid off and took it off of my report. Intentionally misleading me so they can delete the positive history from my account and cause my credit score to go down. I recently discovered this once they finally activated my credit report again and I sent them proof that XXXX recently faxed them information telling them to report it to my credit report. Transunion, as well as XXXX and XXXX are all ignoring the emails to keep my credit score low.
Product: Credit reporting, credit repair services, or other personal consumer reports

my wife and i had a account with reliable credit and then filed bankruptcy. we did a reaffirmination aggreement with the court to keep the car but the judge i guess didnt sign off on it correctly. we kept the car and continued making payments of almost {$500.00} each month and were never late. the amount was proccessed by reliable yet was not getting reported to credit. i contacted them several times yet they refused to help. since then we traded that van in and reliable was sent a payoff for over XXXX dollars. they took payment and even sent us a refund check for {$9.00} for over payment. problem is it says on credit included in XXXX  i just want this to reflect a payoff rather than a written off in XXXX  on credit for the wife and i.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Card Services still shows that I owe them {$5000.00}. 
This reached the statute of limitations as this account was opened XXXX, XXXX. Capital one does not want to remove this from my credit report. This should have been removed in XXXX. Capital one is fraud and their practice is unacceptable. I hired XXXXXXXX XXXX to dispute this from Capital One however its still showing on XXXX, XXXX, and XXXX. Please help me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and did nor recognize inquires or authorize use of my information.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately 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
Product: Debt collection

I have received several notices from University XXXX XXXX XXXX and several of its debt collectors. I do not owe the money, and I have requested written confirmation, which has NEVER been provided to me. I disputed this debt within a week of being contacted ( 3 years ago ). When I ask for proof, they never sent it, and just keep sending letters indicating I owe the debt. 

I have never attended XXXX, nor did I enter into any agreement where I would owe money. I literally have no idea why they think I owe the money. The reason they have given me for not providing written proof is that they updated their system, and can no longer access it. 

I also received a call from a debt collector approx a month ago. On that call, I asked for proof of the debt. The debt collector said he would, but nothing has ever been sent. 

I have asked them to stop contacting me, and they refuse. I most recently received a letter from Williams & Fudge indicating I owe them {$250.00}. How do I get them to stop?
Product: Credit reporting

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section XXXX ( XXXX ) ( A ) of the FCRA, they are required to " ... promptly DELETE all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Checking or savings account

Grand larceny fraud has happened on my checking account in the amount of {$3500.00} and the bank refused to give me provisional credit and is requesting I wait up until 90 days to see my money. A fraud check was cashed and posted to my checking account.
Product: Credit card or prepaid card

Your company is reporting three accounts on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. 

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally. 

Please remove this from my credit report so I can start possibly rebuilding my credit and life. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.
Product: Credit reporting or other personal consumer reports

I mailed a request to the bureau asking for verification of debt that was received XX/XX/XXXX, my consumer report was updated as " meets FCRA requirements '' I mailed a 2nd request to the bureau asking for the method of verification of the accounts that were left on my report that 'met FCRA requirements ', it was received on XX/XX/XXXX, no proof of verification was sent I sent off a debt validation letter to each collection agency company on my report, it was received XX/XX/XXXX, no collection agency was able to validate the debt I sent a 2nd request to each collection agency to validate the alleged debt, it was received XX/XX/XXXX, debt still has not been validated I sent off a 3rd request to the bureau asking for all fraudulent accounts to be deleted since they failed to reinvestigate and the accounts could not be verified or validated by either party, it was received XX/XX/XXXX, still no proof has been provided
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report once more, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; LAW OFFICES XXXX XXXX LAW OFFICES 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 XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

We have been in a mortgage modification process with Wells Fargo for over 4 years. 
They repeatedly state that documents were not provided when indeed they were, they request the same items over and over again, asking for unnecessary details. In 4 years they have never come to a conclusion regarding this mortgage and have indeed obtained a foreclosure when we were delivering documents consistently. They have also used a lien against a different person at a different address to deny a modification in the past.
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the XXXX XXXX XXXX. I want these items deleted from my credit reports effectively immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my XXXX credit reports. 


1 ). XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  Account # XXXX - {$2100.00} Date XX/XX/XXXX XXXX ). XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. ) Account # XXXX - {$2700.00} Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   report a company called  XXXX   XXXX   XXXX  put something on my report in error. I have resolved issue with   XXXX   XXXX   XXXX   they sent me letter saying they would have it removed. i also sent letter and dispute to  XXXX  and the results per Report  Number  :  XXXX  on  XXXX / XXXX /   2017  was that the information remains. This information should not be reporting and i did submit the documentation from    XXXX   XXXX