23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There are XXXX collection accounts on all of my credit reports from XXXX XXXX XXXX. The original creditor is XXXX XXXX. My last payment to XXXX XXXX was back in XX/XX/XXXX. XX/XX/XXXX would be the first missed payment. XXXX XXXX purchased the accounts in XX/XX/XXXX. Wouldnt the date of first delinquency be XX/XX/XXXX? XXXX XXXX is saying that the date of first delinquency is when they purchased the account in XX/XX/XXXX. 18 months from the first missed payment is the date of first delinquency? These accounts should be deleted from my credit reports because they are XXXX XXXX XXXX. However I was told they will remain on report until 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. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 



1. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( XXXX, Equifax XXXX XXXX XXXX. Consistency in reporting is essential for accurate credit information. 

2. **Date Reported : ** The date reported varies across the bureaus, with one bureau reporting a significantly later date than the others. This inconsistency might require clarification or correction. 

3. **Account Status : ** While all three accounts are reported as closed, there's a discrepancy in the payment status. One account is reported as " Current, '' one as " Late 90 Days, '' and the other as " Closed or paid account/zero balance. '' Clarification on the accurate payment status is needed.

4. **Creditor Remarks : ** The remarks provided by the creditors differ across the bureaus. These remarks should accurately reflect the account 's status and might need alignment for consistency. 

5. **Credit Limit : ** There's a discrepancy in reporting the credit limit, with one bureau reporting a {$0.00} credit limit. Ensuring consistency in reporting this information across all bureaus is important. 

6. **Payment History : ** Different late statuses ( 30, 60, 90 days ) are reported across the bureaus for specific months. Consistency in reporting these late statuses is crucial for accurate credit reporting. 

7. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of the West # XXXX is reporting an account to my credit that should no longer be on there. This is past the Statute of Limitations in California and I no longer owe this debt, I also had a class action lawsuit against Bank of the West and they should not be reporting an account to my credit report any longer. I would like this removed off of my credit report immediately.
Product: Debt collection

I have multiple accounts on my credit report that I neither opened nor authorized. Despite contacting each company and the credit bureaus, no action has been taken. The companies claim the accounts were verified as accurate. However, at the time these accounts were opened, I was XXXX  with the Alabama Department of Corrections and had no means to open accountswhether by phone, in person, or online. Additionally, I did not grant anyone financial power of attorney to open accounts on my behalf. I have provided each company with proof and all necessary details to demonstrate that these accounts are not mine. Please remove them from my report immediately.
Product: Debt collection

I got a letter from XXXX XXXX XXXX for a debt that I owe for some medical treatments I had done. That I thought my insurance was taking care of, but I had n't met my deductible, so they were n't. I did n't have a job, or a phone, and did n't receive phone calls from the manager. She did call family members and asked if they could get a hold of me, when they asked what for, she was rude with them and would n't tell them, just left a number. I did try to call back at the number she left and each attempt went to voicemail and I was unsure what she was calling about so I did not leave a message. 

Cut forward to XXXX XXXX. I receive a letter that said I had 7 days to pay the balance in full of {$210.00}. The letter is dated XXXX XXXX, I live in the same area, so there 's no reason it took a week to receive it. I assume it 's because Bonneville failed to put it in the mail that day, I wish I had the envelope still to see when the exact postage mark was. I called the day I received the letter at 11:44 am. I asked if I could have an extension until XXXX XXXX to pay the amount in full. The person I spoke with said that would be fine. Right before ending the call she said, " do you still work for ( previous employer. ) '' I replied that I do not. She asked for my current employer information and I said I did n't feel comfortable giving her that information because I did n't want my employer to receive harassing phone calls from their company, like my parents have. She said she needed that information to make a payment arrangement, and I said, well I wo n't give you that information because I do n't feel as though it 's needed. She said, " okay that 's fine, I 'll give this account over to my attorneys office today, goodbye. '' I feel as though she was threatening and rude. Today I got served a summons from their attorney. In which the attorney office said that they needed the information of my employer to set up a payment arrangement, in case I did n't make the payment and a lot farther out if they needed that information to garnish my wages. Which would have taken months. This information was not explained by the Bonneville representative, only by their attorney office that I know owe almost {$500.00} to.
Product: Debt collection

I have informed XXXX  on numerous occasions via mail and fax that I have been a victim of Identity theft of which the listed item that have been reported on my credit profile may be a result. I have no knowledge of this item or accounts as they are redacted, and I have also requested proof of the verification method XXXX  has used in order to investigate and procure proof this item is accurately reported. 

XXXX had informed me to communicate with the creditor CITICARDS CBNA to request removal of which I have and never received a response no proof of the item 's permissible purpose and documents relating to the contract. 

I have never done business with CITICARDS CBNA RESULTING IN ACCOUNT NUMBER XXXX My desired resolution is for these items to be removed immediately pursuant to the FCRA law section 609
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ). 

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation.

I am disputing the following unresolved negative items on my credit report : XXXX XXXX - XXXX - {$4200.00} Name : XXXX XXXX XXXX Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit reporting

Please see attached document dated Sunday, XXXX XXXX, 2015
Product: Debt collection

On XX/XX/19 I received a letter identified as from XXXX XXXX  c/o Paypal, XXXX. XXXX XXXX, XXXX, MD XXXX that stated they regretted they were unable to approve me for the service because they were unable to verify my identity. I did not apply for a Paypal account, so this seemed odd. I have since contacted XXXX XXXX  and their Fraud Department twice @ XXXX & XXXX and I have been told both times that there was no application for Paypal in my name at my address or any application associated with my social security number and no Paypal account exist. They also said the address on the letter from XXXX XXXX, declining credit, is not a valid bank address. However, I later received a collection notice from XXXX XXXX , XXXX dated XX/XX/19 stating the current creditor was Paypal, Inc with a XXXX XXXX , XXXX account number, last four digets of a Paypal account number, that I have now confirmed with Paypal is invalid, and XXXX XXXX XXXX claims I owe a balance of {$800.00} for Paypal chargebacks. 
I sent XXXX XXXX , XXXX collection agency a certified formal written dispute letter on XX/XX/19 explaining that I had been in touch with XXXX XXXX  and the fraud department at this bank, as well, and there are no Paypal accounts on file in my name at my address, as shown on their letter, that I am attaching for your review. They responded back to me in a letter on XX/XX/19 with a description of three chargebacks with chargeback fees equaling {$800.00} and each of the three charges reflected a different e-mail address, none of which were mine, yet XXXX XXXX , XXXX somehow has my name and USPS mailing address on file and attached to these chargebacks. I have checked all three of my credit reports and there are no inquiries on my credit reports that my credit has ever been checked by XXXX XXXX  Paypal or that I have any kind of existing XXXX Paypal account. I have explained to XXXX XXXX , XXXX in writing that these accounts do not belong to me, however they have left them in my name on their last letter of XX/XX/19 in another attempt to collect. Will you please investigate this, as I feel like it is some sort of criminal activity and XXXX XXXX, XXXX is involved. I confirmed on the internet that XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is a valid address for XXXX XXXX , XXXX, as shown on their letters. Please investigate and advise me of the next step in stopping this fraud and contact from XXXX XXXX , XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

XXXX XXXX XXXX : Fraud!

This account was open and used in florida at the time I was living and working in XXXX, Georgia XXXX XXXX XXXX : Not mine!

This is not mine and it shows up twice on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to lift a security freeze on my file with Experian in connection with an application for an auto loan. The freeze telephone number did not work for me ( the IVR responded as if there was no freeze, but the auto lender said it was frozen, and I previously had placed a freeze ). I also was unable to establish an online account with Experian to lift the freeze ( the site kept responding that it couldn't open an account for me ). 

I tried calling various numbers but only got IVRs that didn't address my problem and I was unable to reach any human being. I also e-mailed senior representatives of Experian but received no reply ( see attachment ).

I ended up having to write to Experian to lift the freeze. I received a letter confirming the freeze was lifted almost two weeks later. In the meantime, my auto loan application was declined, and I received a notice of adverse action for an " incomplete application. '' And I still can't open an online account with Experian including to later reinstate a freeze to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, I mailed a letter requesting investigation for inaccurate accounts showing on my credit report. I never received a response and it's been six weeks.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted information to XXXX XXXX XXXX  to apply for pre-approval of our mortgage application. They completed a hard pull of mine and my wife 's credit reports. Later that day, my wife and I both started receiving nonstop unsolicited spam phone calls and text messages from people claiming to be affiliated with mortgage lenders, offering us credit, or falsely stating that we had begun the loan application process with them and they wanted us to continue. Over the course of the next 48 hours we have each received at least 100 different phone calls and text messages ( mostly phone calls ), despite blocking each new phone number when they call and don't leave a message. 
When my wife answered the call from one of these people, they actually told her that they obtained her phone number and the fact that she had just applied for a mortgage loan from the credit reporting agencies. I believe this is an egregious breach of our confidentiality on the part of the credit reporting agencies. How can it possibly be lawful for these private entities to share our personal phone numbers and the fact that we applied for a mortgage with random solicitors, with whom we have no contact and have given no permission to access our credit files? I can only assume that the credit agencies are profiting off of this practice, and we want it to stop immediately.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX my husband sent XXXX specs on XXXX XXXX XXXX XXXX XXXX We'd selected three homes for virtual appointment. On XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX placed on contract over the week-end. Once XXXX and I took virtual tour, XXXX shated six home lots were still available. XXXX & I selected Lot XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA with XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX have an approved lenders list where XXXX XXXX XXXX listed that I do personal banking with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX not allowed to pursue mortgage loan or loose $ XXXX builder incentives. Issue # XXXX. By XX/XX/XXXX, my loan application & documents were uploaded. On or about XX/XX/XXXX ; XXXX XXXX,. XXXX XXXX, XXXX XXXX transferred my loan package to XXXX, Branch Manager ; XXXX XXXX XXXX XXXX XXXX & Sales Agreement amended to reflect Veterans United as an approved lender. 
Issue # 3. Community home development specs XXXX XXXX have XXXX XXXX XXXX others XXXX XXXX. XXXX will only pay up to $ XXXX for public sewer connection. Issue # 4 : Requested XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Buyer Agent Cedar Ridge Bylaws inclusive of verbal & written responses. To date, verbal responses only received. Issue # 5 : XXXX, initial Veterans United loan officer XXXX XXXX transferred my loan package to XXXX. XXXX approval list XXXX, XXXX XXXX XXXXXXXX XXXX causing soft & hard credit checks w/i XXXX business days. Preapprovals letters issued XXXX 's between XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA loan officers to XXXX XXXX, XXXX XXXX XXXX XXXX. As a XXXX XXXX XXXX honorably retired veteran ( XXXX ) & XXXX, my spouse is a XXXX. XXXX retired veteran ( XXXX ). My perception of discrimination of VA XXXX application & my age which had incorrectly listed my age as XXXX XXXX XXXX. I notified XXXX of the error. Issue # 6. I was upfront with Veterans United regarding Debt/Income Ratio @ 74 % credit card debt listed as 'omitted. To lower and to prevent denial of mortgage loan ( XXXX ) credit cards XXXX, XXXX XXXX, & XXXX XXXX XXXX would be & have been paid in full. Instead on XX/XX/XXXX ; XXXX ran hard credit report which reflected XXXX @ 74 % ahead of credit card payoffs. Issue # XXXX. On XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX requested me to submit IRS transcripts due to not being sure which transcript would be required by XXXX XXXX XXXX IRS XXXX XXXX Account or Account transcripts to reflect payment plan history of payments. Issue # XXXX. On or about XX/XX/XXXX, my source of funds to pay off credit cards requested to ensure $ XXXX hadn't been borrowed to pay off three credit cards. Providing XXXX XXXX XXXX proof exposes funds remaining within my annuity account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. Please correct or delete the following : XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

Discovers failure to appropriately investigate, notify, do its due process has caused me undue hardships. Ive made more than 10 calls to Discover, been transferred more than 15 times, and have spent no less than 13 hours of my time ( 80 % of the time on hold ). 
Discover completed an investigation on disputed charges I was unable to complete directedly with the retailer, whom completed neglected any communication with myself. Nevertheless, Discover came to the mistaken conclusion that a series of charges by XXXX were services I purchased and used. 

Facts Section I : I made Discover aware that I did have an account with XXXX and that it had been canceled as it was never used. Upon the most recent statement showing the unrecognized charges, I initiated the dispute. 

Discovered allowed XXXX to continue a charade of charges to charge a credit card number that had been reported lost or stolen, and consequently replaced, on multiple occasions. 
Discovered was instructed on of XXXX XXXXXX/XX/XXXX to block any further charges, authorizations, or business dealings with XXXX. XXXX XXXXXXXX assured me that a block would be initiated. 

No Access : I do not have the ability to discuss my account with XXXX representatives because they could not verify my identity with an updated cell phone number and their use of an expired email account. 

Fraud : When I noticed charges on my statement, I contact Discover to start a dispute. The agent suggested the funds would not be reimbursed unless it was labeled as fraud. I changed the disputed status to fraud. 

Failure to protect : Despite my request to ban future transactions, Discover still allows XXXX to authorize transactions on a new account number. As recently as XX/XX/2022, XXXX debited and credited my account for {$1.00}. ( See documents A and B ). This is a banking transaction technique used to verify with card retailers if the consumer has available credit. There is no conceivable reason this should have taken place on XX/XX/2022 when they were banned by Discover to unlawfully gained access to my account. 
Dont be off put by the disguised name of the authenticator on XX/XX/2022, if you research further XXXX merchants ' contact information is addressed as XXXX XXXX XXXX XXXX, Az XXXX. Discover allowed this to take place after a block was initiated and should have been followed thru by the fullest extent of the law.
Product: Student loan

I went to XXXX  college from XXXX. Received a loan from XXXX. When XXXX went bankrupt in XXXX?, I joined FedLoan for loan repayment. 

In XXXX, XXXX, i received an email stating that FedLoan is being investigated sued by the US government, and 8 other states for fraud. In the email, they stated to contact FEdLoan for the status of my loan. Upon contacting FedLoan, i was unsuccessful for the next 2 weeks in contacting the. In addition, i sent several emails regarding this manner to my FedLoan agent, as well as tried to contact FedLoan via phone several times, all with no response and FedLoan did NOT reach out to contact. On XX/XX/XXXX, they took their monthly payment out of my account at XXXX  XXXX XXXX. I contacted XXXX, informed them of the situation and asked for a FREEZE on all transactions between FedLoan Student Services, and my bank account. This morning, i noticed that FedLoan had taken out a payment without my permission. In this instance, FedLoan added letters to the end of their name, in order to bypass the Freeze within my account with XXXX  XXXX XXXX, and were successful in retrieving their monthly payment, without my permission. I have contacted my bank and informed them of this issue.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX Balance : {$880.00} and XXXX  XXXX XXXX Balance : {$720.00}. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion still not reporting current information on my student loan. Example, on my report dated XX/XX/XXXX, it only reports to XX/XX/XXXX. XXXX XXXX Borrower, states they report to TU. Transunion blames XXXX XXXX. It isn't accurately reported, still.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a large number of inquiries on my report that do not belong to me and that I did not give consent for. I have contacted each company and they would not verify why my credit was ran. Most of these places are car dealerships, finance companies, and credit unions in which I did not authorize. I am sending a letter to the CEO 's of Transunion and XXXX next as I have not been able to get any results from representees. I have filed a complaint of identity theft with the FTC in which they gave me free credit monitoring since none of these accounts were opened. I attempted to file a police report, however, without the individual actually opening an account, they only took a written statement. Statement : XXXX which will be held on file if I notice anything come up on my credit report that is opened. 

Transunion : The follow inquiries are listed that I did not authorize : 1. XXXX  2. XXXX XXXX 3. XXXX 4. XXXX CA 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX XXXX 10. XXXX 11. XXXX 12. XXXX XXXX 13. XXXX 14. XXXX ( again ) 15. XXXX XXXX  16. XXXX XXXX 17. XXXX XXXX 18. XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX  XXXX  23. XXXX 24 . XXXX 25 . XXXX 26. XXXX XXXX  XXXX  27. XXXX XXXX 28. XXXX XXXX XXXX 29. XXXX XXXX 30. XXXX XXXX 31. XXXX XXXX 32. XXXX XXXX  33. XXXX XXXX 34. XXXX XXXX XXXX : I did not authorize any of these inquires for any reason. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX & XXXX XXXX 8. XXXX 9. XXXX 10. XXXX  XXXX ( again ) 11. XXXX XXXX XXXX 12. XXXX XXXX 13. XXXX & XXXX XXXX 14. XXXX XXXX ( XXXX ) 15. XXXX XXXX XXXX 16. XXXX XXXX 17. XXXX ( again ) 18. XXXX XXXX 19. XXXX XXXX 20. XXXX XXXX XXXX XXXX 22. XXXX XXXX 23. XXXX XXXX 24. XXXX ( XX/XX/20 )