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

Franklin Collections is reporting on behalf of XXXX XXXX XXXX stating that I owe XXXX for a past bill. There only supposedly bill for a month that I had already cancelled the service, I moved out in XX/XX/XXXX at that time the service was cancelled and the equipment sent back. XXXX XXXX XXXX was aware that I moved. Yet they allowed Franklin collections to unlawfully collect place on my credit report with out giving me a chance to dispute or rectify. I have not recieved any call or mail concerning this account yet it is on my credit report.
Product: Credit reporting

I requested validation from collection agency reporting account and never received any. Sent paperwork to bureau, including certified receipt showing I sent request and bureau claims they verified account. Requested means of verification method from bureau and also received no response besides " account has been verified ''.
Product: Debt collection

XXXX tried to argue and say I owe this business debt from XXXX. I lost my business back in XXXX, due to a death on the job. Lost everything. Definitely dont owe this debt.
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. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 Balance : {$0.00}
Product: Debt collection

I have sent XXXX XXXX XXXX several request to comply with the texas law they are collecting on and reporting negatively on my credit a debt. This looks to be a vehicle that was repossessed. I have ask them to comply with state law and also the FCRA on 3 different Occasions I have asked for the following documents as the law allows me to do. 
1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

7. Proof that all required notices were sent Prior to the repossession of the vehicle.

I have only received what seems to be he initial contract and a Letter titled " Explanation of Calculation of surplus '' This is a Violation of my rights and I believe they will continue to Violate my rights. This has been terrible experience and continues to be a weight on me financially as I have sent all notices via certified mail with return receipt to prove all notices have been signed for and received by the company. Please Help me with this.

I have attached the initial request 1-6 was on this letter and I sent 2 additional letters requesting # 7 that I can provide as well
Product: Credit reporting or other personal consumer reports

I have a checking account with XXXX XXXX, and they use XXXX as an option for us to check our credit score and changes on our reports. 

On XX/XX/XXXX I received 2 alerts on my XXXX XXXX that my SSN was associated with an address and name that Im completely unaware of. 

The report made to Experian it says was on XX/XX/2023, both of them, but I received the alert on XX/XX/2023. 

Kindly advice
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX reported to Equifax that a closed account was opened. This account has been closed since XXXX. They are constantly misreporting facts on payment dates, account status, late status, and my signature was not on the disclosure form. Someone signed a form that wasnt me. Ive reached out to them for accuracy and they have given me a hard time. Constantly on my XXXX and Equifax they willfully and knowingly violate the CFPB and FDCP ACT. They also use XXXX XXXX to report without my consent or disclosure. XXXX XXXX have consistently harassed me through inaccurate consumer reporting Im constantly disputing. After this I will have a attorney take this to court without Arbitration
Product: Credit card

On XX/XX/year> Pay Pal demanded that I pay off fraudulent charges before I could close my account. They have allowed several charges, unauthorized by me, to my account. When I have asked them repeatedly to close my account, they refuse to and still want me to pay for charges I did not make or authorize. They have proceeded to take money from other cards and my personal checking account. Not allowing me to close my account allows them to continually bill unauthorized charges. They have thus aided in fraud and ruin my credit rating.
Product: Credit reporting or other personal consumer reports

I had contacted Experian in a letter sometime at the end of last year XXXX. 
I asked that if I have the Bankruptcy on my credit report, it always states that if you have rebuilt your credit, and everything is good and if you are getting close to the 10 years of it on your record, they could remove it due to your credit history. 

My credit is good, and I only have 8 more months to go and asked if it could be removed. Well I am still waiting and have no answer. 

This proves that people can become over burden with debt and mine was due to XXXX expense. 

I feel as good as my credit is now, would 8 months be that concerning for them not to remove it?????
Product: Mortgage

On XX/XX/2021 at XXXX, my partner received a call from XXXX XXXX XXXX NMLS ID # XXXX XXXX about information she submitted online about a mortgage refinance. During the phone call, she asked if she would even qualify for a refinance and told him she just wanted an idea on the numbers she might get. A few minutes later he stated that my credit and my partner 's credit wasn't pulling for him. She told him she had just lifted credit freezes from XXXX  and XXXX. After he still couldn't get the credit to pull he stated that " for security reasons, I need both full social security numbers ''. I asked him if this would be a hard credit inquiry and he stated several times it was a soft pull. My partner and I agreed to the soft pull. After he pulled the credit I and my partner received credit notifications that a hard inquiry had been processed and it dropped my credit score 3 points which resulted in my credit score not being in the excellent range. After we received the notifications, my partner immediately notified him that he had pulled a hard inquiry and we had not authorized him to do so. He responded by saying " I don't know what you're looking at or where you're getting your information but I assure you that I pulled a soft credit inquiry and that all inquiries show. '' My partner repeated that she received notifications from the major credit bureaus that there had been a hard credit inquiry to both of our credit reports. After that, he started asking us about our employers and we asked why he needed that information when we just wanted to know general information based on our debt and income. He stated he just needed it to fill out the information on his screen. We stated we did not want to apply for a mortgage at this time. He stated he wasn't setting up an application and asked again for our employer information. At this point we ended the call. Immediately, my partner checked her email which had an email sent by Mr. XXXX at XXXX, stating that a mortgage application had been started. At XXXX XXXX, my partner called Amerisave 's customer service team and who said she would report this information to Mr. XXXX 's supervisor and have them reach out to her to correct the issue. My partner also tried to report this to the credit bureaus but they require you to call during their business hours.
Product: Checking or savings account

I logged into my account on XXXX checking for my deposit and if chase had posted it. At this time chase had not posted it z. I received an email at XXXX XXXX cst about my statements the account was still open but my deposit was not released around XXXX XXXX cst approximately I logged into my account noticed chase had closed my account. 20 days prior I made agreed arrangements and was informed this was okay. I called chase and they refused to release my account and funds at the account depart by phone, with the escalation department, and with the executive office. They kept telling me they were monitoring and recording my call but when I informed them I was recording also they were rude and kept telling me I couldnt record me and it wasnt allowed. Several representatives refused to assist me. I became upset. They refuse yo release my. Paycheck and then began to become argumentative which further upset me. Then then kept saying I will have to wait until the fully close my account and the. They will mail a check. I want my money today XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DOB XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX PROBLEM : XXXX XXXX was recording this account to all 3 credit bureaus XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX then the credit card number was reissued due to Lost and thereafter all of the information disappeared from all three credit bureaus and was never reported with the new credit card information and payments applied however XXXX  XXXX is now claiming that they have continuously reported the new information to all 3 credit bureaus since then that is XX/XX/XXXX however none of that information as shown up on any of the three credit bureau report associated with my name and social security number even though that information has been verified by XXXX  XXXX and the three credit bureaus yet nobody can solve the problem why it is not appearing and being reported on my credit bureau reports. I have noted online that there are several other XXXX XXXX credit card holders experiencing the same problem and that is not just me so this must be some kind of it either an engineering problem or some kind of a scheme going on to manipulate consumers. The following is an excerpt from my 3 Bureau credit report from XX/XX/XXXX the last report that this account was reported to all three bureaus : Account Name XXXX Balance {$580.00} Credit Limit {$750.00} Usage 78 Type REVOLVING Status Current Opened On XX/XX/XXXX Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 78 % Balance {$580.00} Balance Updated XX/XX/XXXX Credit Limit $ 750 Monthly Payment {$25.00} Past Due Amount - Highest Balance {$780.00} Terms Revolving Responsibility Individual Your Statement - Comments Account was in dispute-now resolved-reported by subscriber Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently opened up a secured loan in my name and this company has done nothing to investigate or remove this from my credit report. XXXX XXXX  has been reporting fraudulent information to my credit report and just recently they increased the overall amount of the loan. How is this even possible for a company to tarnish a persons credit without Authorization
Product: Student loan

To whom it may concern, I was contacted by this company that they were affiliated with the department of the education the were stating how i was qualified for this loan forgiveness program that ill have a 0 interest rate if I join them. and they said I had to pay them {$150.00} for 5 months then all my student loans will be XXXX for 2 years well my student loans were already {$0.00} until XX/XX/XXXX before this company even contacted me and i told them that and thats when they were bribing me about the 0 interest rate as per XXXX the rep there. they got all my information from my student aid account they wrongfully changed my password and fed ID to Federal aid account. I got several emails from my Federal student Aid that there is suspicious activity on my account so I call them and asked they said did you change your password I said no I didn't then I asked the rep about this company that reached out to me they stated that Alum Financial is not affiliated with the department of education and they suggested to change any financial information they may have. There has been a lot of scamming with the federal loans and i know for a fact im a VICTIM. The rep told me from Federal student aid said its been alot of it going around. so after i called I immediately called them and asked them where my money is going if im supposed to be paying for loans through XXXX XXXX the lady XXXX told me it goes to there services they rendered my issue is with this is that you can consolidate your own loans for free on the DEPT OF EDU website I spoke to two different people from this Fraudulent company that i want to cancel whatever you have I want you to delete all my information from your data base they REFUSED to do any of that instead they were threatening me saying that they will take legal action that they will destroy my credit and garnish my wages so i called Dept of EDU to complain and they told me they cant send you to collections if were your loan server not them i canceled on XX/XX/XXXX with XXXX XXXX from Alum and they still harass me and threatening me demanding money till this day..
Product: Debt collection

Hello I would like to resolve the itemized bill that I need And the ability to potentially do a payment plan. Or have payment options. I hope this finds you well.
Product: Debt collection

I requested a collection company to validate a debt which they have not and continue to report false information
Product: Debt collection

I contacted Synchrony bank and notified and disputed the validity of a debt. It has been approximately 2 years the original dispute has not been resolved. I faxed and sent Synchrony Bank regarding an error that was made. My records showed that I was on active military duty. I was not and asked that the issue be resolved. To this day it has not been resolved instead a decision was not made and the account was charged off.
Product: Credit reporting or other personal consumer reports

The issue started when I tried to log in to my Experian account last month. I knew my password but it wasn't working. So I tried everything to reset it but nothing else was working either. It didn't recognize my phone number. When I tried to reset my username, the email address that link was sent to was not mine. I tried to get ahold of Experian but it is not possible to actually speak to someone on the phone. So I sent them a XXXX message requesting help. 

I then tried to sign up as a new user and had success. While it helped me in the short term, the fact that anyone could do this is probably why my account got hacked in the first place. I sent Experian a message through my new account detailing the situation. 

I first got a response from the XXXX route requesting more information which I sent quickly. They asked if it was still a problem since I was now able to get into my account, ignoring the fact that it had been hacked and nothing was stopping that from happening again. 

So I responded with a list of pointed questions, trying to collect information about how someone could have changed my email and phone without them informing the original contact info about the change, when this happened, etc. They ignored all my questions and just wiped out my login account, which included wiping out their access to the information needed to respond to my questions. They forced me to fax all my relevant documents before I would be able to reopen my account. 

Lastly, I was told the XXXX department would reach out when the process was complete so I could make a new account. I didn't hear anything after XXXX weeks so just tried to make a new one and it worked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and complained to credit bureaus for quite some time the most recent being XXXX of this year of which you investigated. The credit bureaus have waged a war and apparently flagged my social security number. Consumer facing credit reporting agencies such as XXXX XXXX, Equifax have presented a much higher score number to me than what the bank credit pulls have produced. In some cases the points reported have swung as much as 150 points lower on bank pulls. Recently I have been denied approval on several loan products and I'm also now being asked to present deposits for cell phones with cell carriers I've been associated with and have had good payment history. I have repeatedly asked for the credit bureaus to send me how they have investigated each negative account on my report and they have NEVER provided that information. In fact I have had accounts that have been paid off in the past and they report them as delinquent and past due. It's long past time to delete the negative information on my credit bureaus they have been given over 3 YEARS to do the right thing and they refuse but instead they wage a war against me social security number to keep me in credit prison. I'm determined now to do whatever it takes to restore my good name with the good credit deserved. The bureaus are failing to hold up their end of the deal and tarnishing my good name. Please update and delete this incorrect information at once. You sources and your information in vastly inaccurate and incorrect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute of Inaccuracies and Request for Profile Updates** Dear Credit Bureau Dispute Department, I am writing to formally dispute inaccurate or outdated items on my credit report and request corrections to ensure my credit profile is optimized for the best possible credit score. Under the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following items. If they can not be verified, I ask for their immediate removal.

1. Removal of Outdated Addresses and Employers** Please update my profile to reflect my current and correct information while removing outdated data : - **Current Address ( To Keep ) : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - **Addresses to Remove : ** Any previous addresses listed on my report - **Current Employer ( To Keep ) : ** XXXXXXXX XXXX  - **Employers to Remove : ** Any previous employers listed on my report XXXX. Unauthorized Hard Inquiries to Remove : ** - **XXXX XXXX** XX/XX/XXXX - *XXXX XXXX XXXX** XX/XX/XXXX - **XXXX XXXX XXXXXXXX XX/XX/XXXX - **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me. If you can not provide documented proof of my authorization, I request their immediate removal. 

XXXX. Negative Accounts to Dispute : ** - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Previously Late Payments** These accounts contain outdated, inaccurate, or XXXX XXXX remarks. I request that you investigate these accounts and remove any information that can not be verified. 

XXXX. Request for Positive Reporting Updates : ** In addition, I request a review of my positive accounts to ensure they are being accurately reported. Specifically : - If there are any missing or incorrect payment records, please update them to reflect my on-time payments. 
- If any accounts have been paid in full or closed in good standing, please ensure they are marked appropriately to reflect positively on my credit profile. 



I expect a written response and resolution within XXXX days**, as required by law. Please provide written confirmation once the investigation is complete. 

Thank you for your prompt attention to this matter. 

**Sincerely, ** XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The has been in the repair shop sine the beginning of XXXX I explained that i will have to pay for this care to be repaired and had to pay for rentals in the beginning. They stated they can only offer me an extension. I explained it is a hardship right know not having my car and I have to save the money when it is ready. The call me 6 times a day back to back it is XXXX and they Just called and left 2 messages. the car is already disabled I do not understand what they want me to do. I have answered them via email I do not want to talk because I am at work I told them to contact me via email. Harassing needs to stop until I have my car returned or they need to contact me via mail and email. 
Autotrakk which I pay weekly Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect payment history reported, In accordance with the fair credit Reporting act XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Have filed multiple disputes about improper credit reporting through experian, and no proper investigation was done. Inaccurate information is continued to be reported on my credit report and hurting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section 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 crime with antedates the report by more than seven years. 

XXXXXXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.


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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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.

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