23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX Account # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX, has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT XXXX XXXX, has violated my rights, XXXXXXXX XXXX  account # XXXX has violated my rights, XXXX XXXX account # XXXX has violated my rights, XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act these accounts has violated my rights. 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 1681 section 602 ( A ) States I have the right to privacy. 15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items of information any other adverse item 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 168s-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, credit repair services, or other personal consumer reports

I am extremely frustrated at this point! I have tried to be as professional as possible and its seems that the nice people ALWAYS get over looked and the end of the XXXX stick! These false reporting accounts on my credit report has been an extreme distress to me and my family and has been hindering me from taking care of my family and getting approved for housing and sooo much more you cant even imagine!! 

These accounts need to be removed from my account IMMEDIATELY!!
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. 
Please assess and investigate the accounts
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I made a 2 dispute with Chase on my sapphire reserve credit card. 

First dispute was when a contractor stole my card and used it multiple times for roughly {$7500.00}. I offered to get a police report but was told I didnt need one. Later they denied my fraud claim and said I would need to get a police report. I got one and resubmitted. They just denied my claim again even though there is a police report stating what happened. Now they are demanding I pay interest and the cost of the items when it was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$90.00}.
Product: Debt collection

Portfolio Recovery Associates purchased my debt after it had been written off. After I moved into my home they started knocking on my door and threatening me with legal action and until I agreed to a settlement and a settlement was offered for a partial payment in lieu of going to court, at the time I was in XXXX treatment. I was told this would not be added to my credit report and I have been disputing with them for the last 5 years to have it removed.
Product: Debt collection

XX/XX/XXXX debt was reported to collection agency, Midwest Credit Collection. XX/XX/XXXX the agency reported a {$1.00} increase which caused my score to go down. XX/XX/XXXX they reported a {$1.00} decrease and today XX/XX/XXXX reported another increase of {$1.00} which made my score drop another XXXX points.
Product: Mortgage

My cousin who is in the current loan with me wanted to refi our home from FHA to conventional loan with our current mortgage company. Everything went well until it reaches the underwriting telling about adverse action on my cousin 's credit report about the short sale of his house in XXXX 2009. We disclose this info to their loan officer the XXXX time we talked. For in fact, an appraisal was ordered by them and was paid by us. So, our loan was denied. Accdg to the manager, in order to be accepted for Fannie Mae 's conventional loan, we should wait for 7 years. Is'nt it true that Fannie Mae reduced the waiting time from 4 years to 2 years now?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing concerning my request that the accounts placed in collection, on my credit WERE NOT properly investigated or removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. The request for a block of the listed accounts in my affidavit according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) should have been removed with in 4 days from the day of receipt of my affidavit per XXXX XXXX Equifax and XXXX investigation.
Product: Credit reporting or other personal consumer reports

Bankruptcy on my name is not correct. Please investigate it and send me updated credit report. Thank you
Product: Checking or savings account

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute Ticket # XXXX Hello Chairman : My name is XXXX XXXX XXXX I am a current, in good standing customer of the financial company, XXXX. I hold a Checking and XXXX banking product with So-Fi. 
More recently, during a routine checkup of my savings account ( # XXXX ). 

I was very disgruntled to find that there were two transactions allowed to be withdrawn from the account, which were not associated with any business relationship or product that I have ever purchased. 
On XX/XX/year> and XX/XX/year>. 

















These transactions are listed as follows : Upon noticing these within my account ledger, I immediately reached out to the support department to inquire and file a dispute. 

I was then advised by email that I would be out of all of the funds, because the transactions were over 60 days old and that the bank would do nothing to help me as a customer to recover my stolen funds from this business. 

With the state of consumer information in the United States being compromised at many business locations, I have no choice but to believe, that since I do not know or every have had any relationship with this merchant, that my information has somehow been compromised and my personal information has been along with it, as a customer of SoFi.

This should have been resolved by the customer support team, however since they are not based in the United States, I believe that they are not willing to assist and support me as an American citizen.

I am asking for a thorough and expeditious review and recovery of every amount of the funds that were taken out of my account and I am expecting a letter and phone call with an apology, that I have had to take my time from work to contact you this manner. 


Sincerely, XXXX XXXX
Product: Debt collection

In XX/XX/2012 I took a loan out for {$2500.00} from XXXX. I later found out that they amount of the loan was in violation of Virginia Law and contested the debt. I made no payments past XX/XX/XXXX. 

I have received 3 calls from a woman stating her name is XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX though I have been unable to obtain any information about this company. She is attempting to collect on a debt but has failed to identify herself as a debt collector 3 times. In addition, I was not living in Virginia when the loan was taken out but she states the new owner of the debt ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX # XXXX CPRC # XXXX is attempting to sue in that state though when I check to see if a suit has been filed none has. 

There are 2 issues then ; 1. The statute of limitations has passed ( I believe ) and 2. violation of the FDCPA ( 15 USC 1692d ( 6 ) ) failure to fully disclose and ( 15 USC 1692e ( 11 ) ) failure to divulge they are calling as a debt collector. Furthermore, XXXX XXXX stated XXXX is the " legal side '' rather than that they are a debt collector which is false and misleading, a violation of 15 U.S. Code 1692e ( A ), ( B ), ( 3 ), ( 10 ), ( 11 ) and ( 14 ).
Product: Credit reporting

Transunion fails to remove the XXXX XXXX XXXX XXXX account. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, PORTFOLIO RECOVERY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX didn't open this loan fraud
Product: Debt or credit management

I have derogatory marks on my credit due to reporting from midland debt collectors. Whom I have never done business with or approved any exchange of information to this agency. This is a violation of my rights and privacy of my information being passed with this agency and I did not approve of nor will I pay a collector I've never done business with
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called/written to dispute this inaccurate information on my credit report and let them know this information is inaccurate. I have sent the recommended documents to get this resolved. The following accounts are listed incorrectly XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX, XX/XX/2023 and XX/XX/XXXX and they were all closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved and CFPB closed my complaint because it has already processed your earlier complaints about this problem. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I noticed it has some information that are false and not the maximum possible accuracy. These inaccurate information is causing unnecessary stress and is affecting my life and my credit score negatively.
Product: Vehicle loan or lease

I had a loan with Wells Fargo. It was an auto loan. I was required to have gap insurance. I paid the vehicle off early.
Product: Debt collection

XXXX XXXX XXXX XXXX license expired over a decade ago an there trying to collect a debt from me
Product: Credit reporting

I sent a dispute to Transunion XX/XX/2016. They received it on XXXX XXXX, and I 've yet to receive the results. The results were due back to me on XXXX XXXX and they did not arrive. Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) the credit reporting agency must delete the disputed information. Attached you will find the disputes in question, and the proof of delivery.
Product: Student loan

On XXXX I called navient to settle an account which they accepted and debted from account. They said they would send me home a letter of confirmation, but never arrived. Still today I am getting letter of debt. I have voice confirmation and confirmation # which they gave me during the call in which they took my money. This has been an ongoing problem for almost a year, every time I called I get redirected or place on hold or never get a response.
Product: Credit card

On XX/XX/XXXX I made a payment to my Bank of America XXXX XXXX card for {$2700.00}. This payment posted and was fully processed by the sending and receiving bank. It came from my XXXX savings account. 

I closed both my XXXX savings account and all of my Bank of America XXXX at the start of XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Somehow in the calls that were made a Bank of America XXXX erroneously returned my payment to XXXX which was closed. I did not authorize that return. 

On XX/XX/XXXX Bank of America adjusted my statement to reflect that {$2700.00} was owed still as a payment adjustment. 

On XX/XX/XXXX XXXX sent the erroneous returned payment back to Bank of America - transaction tracer number XXXX. 

On the Bank of America website I can see in my history the returned and processed payment for {$2700.00} the reference id is identical to the initial XX/XX/XXXX payment XXXX. However, this amount has not been posted back to my account statement. It is also no longer visible in other areas of the site such as the payment detail. 

Over the course of the last XXXX months my statements and transaction details have been changed periodically after conversations with customer service. At XXXX time the payment return did show on XX/XX/XXXX in my payment details. While I was in a Bank of America XXXX on XX/XX/XXXX seeking assistance it reflected in my payment history at that time. 

I have started to take screenshots and make printouts of my account information since I realized the transaction details were regularly being altered or removed to better align with their version of events. 

I have a copy of my XXXX statement showing XXXX did not accept the return payment in XXXX. I also have copies of the Bank of America account history showing the processed payment return on XX/XX/XXXX.
Product: Mortgage

I was charged XXXX as a late fee on my mortgage payment. My previous mortgage provider didn't have such a fee. I would say that part of the reason I have a late fee because their website makes it difficult to set up auto-pay. Currently, I am not able to set it up. When I try to set it up, I get this error message : " There are no valid autopay dates remaining for this month. You can make a one-time payment today and schedule your Autopay to begin next month. '' Essentially, I have to wait until the beginning of the next month in order to set up autopay on their website ( I'm not confident I will be able to set it up even in this scenario ), which defeats the purpose of setting up autopay in the first place. I work as a website and digital product user experience professional. The above scenario is what is called a " dark pattern '', which is an intentional or unintentional poor online user experience that is a detriment to the end user and often benefits the website owner. I feel as though this is a poor business practice.
Product: Credit reporting or other personal consumer reports

There is unauthorized Hard inquiries on my report .I called Transunion to remove them these are the list .of the 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 called Westlake portfolio management multiple times is hope to resolve debt owed. I told them that I wanted to receive proper documentation before I pay anything towards the account. I kept asking for proof that the vehicle has been sold and the amount it has been sold for. I have called multiple times and every time I spoke to a representative they said that they would transfer my request to the proper department. They told me that it would take XXXX to process my request. They told me the same thing every time I called and I have yet to receive what I was asking for. Resulting in me filing this complaint in hopes that this situation can be resolved. This whole situation has been a headache because my license is now suspended.The vehicle that they are saying I owe for is still showing that it is registered in my name. I feel like something wrong going on because I have been requesting this info for weeks. I hope this can be resolved soon or I will be taking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The national credit bureaus have said : XXXX XXXX 's credit rating is poor. She is mother to 3 applying for a reduction in her mortgage by way of a loan modification. It's likely that her finance company will draw on her credit reports to determine her worthiness for a modification of the home loan. XXXX XXXX feels that she could lose her and her kids home if she does not qualify because for example of TRANSUNION, XXXX, and XXXX  reporting out-dated information as a paid in full XXXX XXXX XXXX account back in 2011.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed.
Product: Debt collection

I am writing to dispute the presence of fraudulent accounts on my credit report that have not been removed despite previous requests and confirmed identity theft documentation. It is my understanding that failure to comply with the law by removing these fraudulent accounts constitutes a violation of regulations governing credit reporting. 
Account Information : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

This company has emailed, texted and called myself and 3 of my family members claiming I owe 2 debts from 6 years ago and have threathened legal action. I have repeatedly disputed owing the debt with them and requested they provide me with detailed information ( see attached letter ). My last letter dated XX/XX/year> is attached - I received no response and they have not stopped harrassing me, They even called my mothers neighbor and had the neighbor put a letter in my mothers mailbox requested I call. They have ruined my credit and I have no idea what this debt is. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX finance on XXXX XXXX XXXX at XXXX to request an extension for my XX/XX/XXXX payment. XXXX advised i wasn't eligible for an extension, however, stated there were other options available that would prevent any negative credit reporting/ 30 day late notices. XXXX of the options she gave, was to schedule my payment to be debited from my account on XXXX XXXX, XXXX. I specifically asked her if she did this, would it prevent my account as showing 30 days past due for XXXX, and she advised YES, it would stop 30 day late notice to credit agencies. I agreed to have payment scheduled on XX/XX/XXXX, due to the false information given to me by the capital XXXX representative. I have never been late on the auto loan since the account was opened in 2020. I'm in the process of buying a home, and this error caused by the capital XXXX agent has impacted my credit score negatively. Had i known that the account was going to be reported as late, i would have made arrangements to pay prior to XXXX XXXX. Please resolve this error by removing 30 day late notice on all credit reports. This error was caused by misinformation given by a XXXX XXXXXXXX representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems unfair that I need to pay to freeze my credit and protect myself when I should be able to trust the big bureaus with my information ( leaked SSN in Equifax breach ). Frustrated to say the least. This seems like something that should be changed in the future.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX XXXX Accounts : 1. Ambulance Ride XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1500.00} {$1500.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX This companies reporting the same debt twice on my XXXX, XXXX and XXXX reports. They are for the same incident and the exact same dollar amount and date. I have called this company and they can not locate me by social in their system to tell me the details of this alleged debt and so therefore I am disputing the accuracy of it.
Product: Debt collection

Changed cellular service to XXXX in XX/XX/XXXX, paid final XXXX XXXX XXXX cellular phone bill XX/XX/XXXX and closed my account. Credence Resource Management has an open date for XX/XX/XXXX and a balance updated date of XX/XX/XXXX for a debt that is not mine.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>