23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX account was used last in XXXX XXXX. According to FRCA rules and Bankruptcy rules, these XXXX XXXX accounts would be have been deleted XXXX. Yet Trans Union consistently using this information and deliberately hurting my credit score. 
XXXX XXXX Accounts were not late at all. It was switched from one program to another program. Yet Trans Union consistently using this information and deliberately hurting my credit score. 
Address is wrong. They can not get the address correct after writing 20 times. The correct address is XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, CA XXXX. 
I have mailed many times to Trans Union to correct these errors. Trans Union is harassing me and deliberately hurting my credit score without verifying information per FRCA law and putting back deleted information again and again. 
I need corrected credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against : Consumer Portfolio Services, XXXX, XXXX and XXXX I purchase a vehicle in XXXX that was was voluntarily repossessed by Consumer Portfolio Services in the State of Connecticut on or about XXXX of XXXX, and resold on an unknown date. 

My beginning balance on this account was {$20000.00}. I also made at least 24 payments of {$350.00} ( {$8400.00} ). This difference is close to the reported balance. However, I never received credit for the sale of the car & was also informed by the IRS that a XXXX tax form, 1099-C, was issued by the creditor ( please see the attached IRS transcript ). 

The original creditor never sent me a notice of sale nor any documentation related to the issuance of the 1099-C. 

THIS TRANSPIRED TWO YEARS AFTER THE VOLUNTARY REPOSSESSION DATE.
Product: Credit reporting or other personal consumer reports

I submitted my initial complaint on XX/XX/2023. This is my 2nd attempt to solve major problems to my credit report. I requested for the Equifax to send me the procedure in which they verified the negative accounts on my credit report. I received NOTHING showing this verification method. However, there were several erroneous UPDATES added to my credit report. I have attempted several times to get this problem resolved with Equifax concerning erroneous and inaccurate items on my consumer report to no avail. Equifax has continuously violated my rights as a consumer as to the Fair Credit Reporting Act that states that Accuracy and fairness is my right. The Fair Credit Reporting Agency also states that there is a NEED to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy and those things have not been done in my case. The following accounts continue to show up on my consumer report month after month XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX and XXXX Account # XXXX. XXXX XXXXXXXX XXXX Account # XXXX. These accounts are erroneous and inaccurate. I did not give permissible permission for these items to be reported by the consumer reporting agency to the consumer report. Please help me get these accounts DELETED permanently from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report I notice that there are addresses and unauthorized phone numbers on my report. I am requesting a security freeze on my report through Lexis Nexus,  XXXX and XXXX. My name should appear on my credit report as : XXXX XXXX XXXX. My current residing address is : XXXX XXXX XXXX XXXX XXXX  XXXX. 
Please delete the following addresses from my report and freeze my information Please delete the following XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX   XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX/XXXX/XXXX  XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX   XXXX Please delete the following : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 received a letter dated XX/XX/XXXX from Dynamic Recovery Solution LLC on behalf of XXXX XXXX XXXX seeking {$610.00} for a XXXX XXXX account closed in XXXX and paid in XXXX in full. This debt was paid in full in XXXX since I was seeking a job from the financial company XXXX.
Product: Debt collection

MRS Associates is texting me ( pictures of a text message ) about a debt that doesnt exist from XXXX  and it is now showing up on my credit report. This is a scam and fraudulent.
Product: Vehicle loan or lease

On XX/XX/XXXX my car was repossessed. I called Ally 's financial to see what steps I needed to stop the repossession. I was told the total amount I had to pay and how my payment needed to be sent. I was told that when I sent it that I had to provide a reference number for them to send the release out. I called and provided the reference number. I was told that it had already been sent to auction on XX/XX/XXXX. They gave me until XX/XX/XXXX to pay it, why would you send to auction before the customers day that you provided they had to pay buy. I still was trying be understanding of the situation. I called the Auction that it was sent to only to be told they never received my vehicle. When I called Ally financial for the third time I was on hold for over an hour after being told that it would only be a few minuets only to be told that it can take up to 48 hours for a vehicle to show. I understand that, but the vehicle was picked up from the repossession lot and taken to the auction on XX/XX/XXXX which is a total of 5 days prior. It should have already made it to that destination that is only 4 hours away from the location it was picked up from. All day on the phone and i got no where. There seems to be dishonesty somewhere, and the customer service representatives should have a better understanding of what is going on instead of putting the customer on hold for an hour hoping they will hang up so they don't have to resolve customers issues. I have done my part and paid what was owed and still don't know where my car is. The whole experience could have went a lot smoother had they actually waited until the date I was given to pay the amount, Instead I have missed two days of work to go on a wild goose chase for i vehicle I just paid on and still don't have. I can not be the only one who has complained on Ally financial and the way they direct business. This should really be looked into.
Product: Debt collection

I was paying my car with XXXX XXXX as an automatic payment debited from my bank account month by month since XXXX. In XXXX XXXX XXXX for some reason stopped collecting my car payment even though my bank information and personal information are the same. I never received a notification saying that my payment was late. I realized when my credit score dropped too much, I checked my credit report and saw that my car was in collections. I was never notified by XXXX XXXX or the XXXX company. This brought me health problems due to stress. I contacted XXXX XXXX and they told me that my account was already sold to the collection company. I contacted the collection company and was able to settle the debt immediately. However, this negative item is on my credit report, negatively declining. I request to remove this negative item from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I had lost my wallet which contained my debit, credit, cash and my social security. When I lost my social security I noticed inquiries on my Trans Union, which I do not recognize. I called the Trans Union to dispute it, but they told me I had to file an identity theft report, thats why Im here today.
Product: Credit card or prepaid card

I recently disputed a charge posted on my account dated XX/XX/XXXX, totaling {$210.00}. XXXX originally flagged a transaction for XXXX XXXX totaling {$170.00}, located in California ( I reside in Texas ). Upon reviewing my account, I noted a charge for {$210.00} to XXXX XXXX XXXX XXXX was not recognized. Barclays noted the tickets at XXXX XXXX XXXX had been used and would not provide charge back the money despite it being fraud. 
On XX/XX/XXXX, I reached out to XXXX. They were able to provide me information on the business and the email address used. The business was XXXX XXXX XXXX, located in California. The email address used was XXXX. Upon receiving this information, I reached out to XXXX XXXX who stated they thought the transaction was fraud. 
Further research showed the email address used to purchase the ticket does not have an active domain. Additionally, XXXX XXXX is XXXX minutes from the fraud in California that Barclays acknowledged was fraud. On XX/XX/XXXX, I was seeing a movie in Texas. 
On XX/XX/XXXX, I faxed Barclays a copy of all of the information I had compiled. This included the emails from XXXX, the acknowledgement of fraud from XXXX XXXX, the red-flags concerning the email address, and the close proximity of the disputed transaction to the fraud at XXXX XXXX 's. Additionally, my XXXX credit card statements showing I was in Texas at a movie theater on XX/XX/XXXX. 
Despite sending the fax at my own expense and calling them, I have not received any updates. Barclays has stated I will need to call in periodically. They do not seem to be able to reach out and I find it frustrating I had to call in to confirm they got my fax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiry on my XXXX  credit report.

I was a victim of identity theft.

XXXX data hack. My information was compromised. Some was using my identity..
Product: Mortgage

I made my XX/XX/2023 payment to XXXX XXXX XXXX, the check was cashed and never credited into my account which has been sold to another investor and managed by Land Home Financial Services. The copy of the check was provided to Land Home Financial Services and it has not been credited to my account. Also Land Home Financial Services has not paid the corresponding part of the yearly taxes to the Town of XXXX. 
I will proceed with a lawsuit for failing to pay the corresponding escrow taxes. 
I contacted a manager by the name XXXX XXXX, I emailed him the cashed check and he still didn't do anything. This company is a fraud, they steal money, cash checks and do not apply to customer accounts. This company should be investigated for FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mariner finance letter admits paid offchange rating on credit report..state due to my husband illness and death this was caused delayed payment
Product: Debt collection

This company claims that I owe a debt to them. They then turn around and sent my personal information to a so call attorney/debt collector who has my address.Never did I enter into a contract with anyone. The home was left to me by my mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.
Product: Debt collection

WHEN I OPENED MY CREDIT REPORT, I REALIZED THERE WAS FRAUDULENT ACCOUNTS OPENED IN MY NAME AS A RESULT OF IDENTITY THEFT. MY PERSONAL INFORMATION WAS USED TO GET PERSONAL LOAN. I HAVE NO IDEA WHO MAY HAVE USED MY PERSONAL INFORMATION TO OPEN FRAUDULENT ACCOUNTS REPORTING IN MY CREDIT REPORT THE ACCOUNTS LISTED IN THIS AFFIDAVIT WAS OPENED AS A RESULT OF IDENTITY THEFT.
Product: Debt collection

I had an account with XXXX XXXX XXXX, Midlund Funding purchased it as a past due account. They took me to the local magistrate for payment. They were awarded just over {$1100.00}, not the {$1500.00} that they state I owe. I have repeatedly asked them to correct this amount. They filed paperwork at XXXX County Pa stating that I owe {$1500.00}. The courthouse will not correct it without Midlund Funding correcting it. I need this corrected and removed from my credit report as incorrect.
Product: Credit reporting or other personal consumer reports

. I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( REPOSSESSION ) XXXX XXXX XXXX XXXX XXXX XX/XX/2017 ACCOUNT # XXXX I HAVE 2 LATE PAYMENTS BALANCE {$12000.00} 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. 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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.
Product: Credit reporting or other personal consumer reports

Tonight, I discovered unauthorized inquiries on my credit report, which has left me both confused and alarmed. I routinely check my credit report, but this time, there were discrepancies that appeared without explanation. Even after refreshing my browser, the unauthorized inquiries did not disappear. This has left me feeling very disappointed, and Im requesting a thorough review of the documents Ive sent to resolve this issue once and for all.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute an item on my credit report that I believe to be inaccurate and is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the information contained in my credit report is incorrect and has caused harm to my creditworthiness. 

I request that you promptly investigate the matter and correct or remove the erroneous information as required by law. Under 15 U.S. Code 1681o, a consumer may seek damages for negligent violations of the FCRA, including any damages caused by inaccurate information reported to consumer reporting agencies. I am requesting that you conduct a thorough investigation of the information in question and provide me with a copy of the results. 

Please be advised that, according to FCRA guidelines, you are required to conduct a timely and reasonable investigation of any disputes, typically within 30 days of receiving this letter. If you determine that the information is inaccurate, I request that it be corrected or deleted from my credit report. I also ask that you provide me with a written response indicating the actions taken regarding my dispute. 

In addition to the above, I would like to remind you of your legal responsibility to ensure the accuracy and integrity of the information reported to consumer credit agencies. Should you fail to resolve this dispute in a timely and accurate manner, I may seek legal remedies available under 15 U.S. Code 1681o, including pursuing damages for any harm caused by the negligent reporting of incorrect information. 

Please notify me as soon as your investigation is complete. I look forward to your prompt resolution of this matter.
Product: Student loan

My interest rates changed and monthly payments are now over {$1000.00} per month. I am a XXXX and can not afford this monthly payment. First phone call-XXXX XXXX : I spoke with XXXX and XXXX. I was told that I do not qualify for any repayment plans because of my co-signers. I have no other options but to pay an amount that I simply do not have access to. I have never missed a payment in the past and was told after three incomplete payments they will turn my over to a collections agency. I was later told that I may qualify for the co-signer release program. The woman I was speaking with submitted the paperwork for the co-signer release program and explained that all I would need to do was sign the form and return it. <P/>Second phone call- XXXX XXXX : I spoke with XXXX . I was told that no paperwork had been started for the co-signer release program and was again told that I have no options but to pay $ 1000+ per month.
Product: Credit card or prepaid card

I have a prepaid card with and by American Express bluebird card. On XXXX 2020 I go to access my account and access is denied I had my last deposit at XXXX XXXX  on the XXXX of XXXX. I requested a email for a password undated because I was assuming that was the problem after no email. I called the customer service number and as soon as I push the number 2 I hear a message your account is permanently suspended and then I'm disconnected. After going through another account I was told it was nothing I could do to get my funds. But they was able to get my information and see my account. I ask why wasnt i emailed before hand if there was a problem. Everytime I call I received a email saying something about a section 22 and I could write the department about the issue. I have Bill 's to pay. No warning no communication about how I can get my funds. I would like to get my funds and close the account. I was not aware of any section 22 agreement and I was not warned or communicated with like a customer about anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX which has been discharged both XXXX  and XXXX have taken history off but Experian has refused to remove the old history.
Product: Credit reporting or other personal consumer reports

This account is reporting inaccurate and incomplete information XX/XX/year> no data XX/XX/year> no data XX/XX/year> no data XXXX it's reporting charge off this is inaccurate Update to paid in full and never late Also this account was sold to XXXX company and paid on XX/XX/year> Update or delete immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. 

The payment history on this account XXXX is completely inaccurate. Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Checking or savings account

Wells Fargo fraud department failed to protect our business checking account from a fraudulent transaction made on XX/XX/. It was a XXXX XXXX XXXX bill in the amount of {$180.00}. We immediately reported this to the Wells Fargo fraud department. A couple of weeks later, we received a letter saying that they completed their research and declared our case closed resulting in Wells Fargo not restoring the {$180.00} back into our account. We called them back to dispute this decision. They informed us that someone in their customer care department lumped the XXXX dollar transaction with a XXXX transaction and other transactions which we did not dispute. So since the other transactions were legitimately made by us, they closed the case. We think it was wrong for Wells Fargo to combine the legitimate transactions with the one fraudulent transaction in considering the resolution of our account. It makes no sense to combine these transactions. Its not like I paid or anyone could pay XXXX XXXX XXXX XXXX at the same time with one swipe of my card. We only disputed the 1 XXXX XXXX bill. This is beyond our control. The Wells Fargo fraud department and their customer care department have worked together against us.