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

I had a credit card that was in great standing that I paid off every month. In XXXX of 2014, they thought there was an inaccurate charge on my account and closed my account. They then would not accept a payment and sent it to a collection company who then sent it to a lawyer. They closed and charged it off BEFORE I was ever even late on a payment. They wouldn't let me even pay it. They never let me verify the charges they thought were fraud. They literally just closed it without my consent when it was in good standing. I have spent years trying to get them to fix it but all they will say is they don't own the account. I have the statements from 2014 showing I was completely on time on the account and the next month they charged the account off. I am now applying for a home loan and getting denied only due to these accounts as it is still affecting my credit by over 50 points! I have requested verification multiple times which they have never provided and yet some how it still is on my credit report even though I have done everything that is within my legal right and they won't do anything they are legally obligated to. I can not lose my home due to their mistake that is not even legal!
Product: Credit reporting or other personal consumer reports

I am writing to express my urgent concern regarding the inaccuracies on my credit report. Despite multiple attempts to address and resolve these issues, I have yet to receive any resolution or corrective action. The disputed accounts in question are seriously damaging my credit file and severely affecting my daily life.

The inaccuracies have caused significant hardship, and I am now seeking your immediate assistance to address this matter. I request a comprehensive investigation into each disputed account and prompt action to update and correct my credit report.

Restoring the accuracy and integrity of my credit file is crucial for my financial well-being. I appreciate your swift attention to this matter and look forward to your prompt resolution.

Thank you for your understanding and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account information do not belong to me. 

XXXX account # XXXX Balance- {$660.00} opened- XX/XX/XXXX XXXX XXXX account # XXXX Balance- {$1400.00} opened- XX/XX/XXXX XXXX  account # XXXX Balance- {$1100.00} opened- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Product: Credit reporting or other personal consumer reports

I recently received my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/24. 

l 'm now requesting you Investigable and provide verifiable proof with records showing that I had late pavements. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.
Product: Debt collection

Company attempting to take debt and have not heard of company or received any information regarding this account this should be removed they do not have my permission or no contract was made between me and this company.
Product: Vehicle loan or lease

I PURCHASED A LEASED VEHICLE FROM XXXX  XXXX XXXX BACK IN XXXX.FAST FORWARD TO XXXX, I WENT INTO THE SAME DEALERSHIP FOR AN OIL CHANGE AND WAS ADVISED THAT THEY HAD A BUY BACK PROGRAM WHERE THEY WERE BUYING PEOPLE OUT OF THEIR LEASES. SO I ENDED UP WALKING OUT THE SAME DEALERSHIP WITH A NEW XXXX XXXX XXXX. WHEN TALKING TO THE SALESPERSON WE TALKED ALL ABOUT GAP INSURANCE AND THE PAYMENTS & I THOUGHT I WAS SET. XX/XX/XXXXI WAS REAR ENDED & MY CAR WAS DEEMED A TOTAL LOSS. THE OTHER DRIVERS INSURACNE PAID $ XXXX ON THE BALANCE & THE REST SHOULD HAVE BEEN SETTLED WITH GAP INSURANCE. I HAVE TRIED TO REACH OUT TO THE FINANCE MANAGER AT  THE DELAERSHIP AS WELL TRIED TO REACH OUT TO SANTANDER ADVISING THE ACCOUNT SHOULD BE CLOSED AS IT WAS A TOTAL LOSS.
Product: Credit reporting or other personal consumer reports

Last year there was an account added to my credit report from XXXX XXXX XXXX. I have never done business what this company and dont have any debt with them. I called them directly multiple times in XX/XX/2023 at XXXX XXXX to inquire about the account they put on my credit. They refused to send me any information regarding the so called balance I owe. They could not give me a ledger, invoice or anything showing I owe them a balance. The representative was very rude and told me I would have to pay anyway even if they didnt send me proof. I then disputed the claim with Experian. They did absolutely nothing. I called Experian in XX/XX/2023 directly and the representative told me anyone can put a debt in your name and there nothing they can do about it. There is no justice!! I have multiple account I tried to get help with but Experian does nothing to investigate or atleast send documentation supporting items remaining after a dispute
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a hard inquiry listed on my credit report without my authorization. I have not initiated any credit application or given permission for this inquiry to be conducted.
Product: Credit reporting or other personal consumer reports

A fraudulent charge was made on the credit card in the amount of {$3.00} This credit card has had a XXXX balance and perfect pay history for 48 months consecutively. Due to the fraudulent/unauthorized charge that was made there was a missed payment, which resulted in closing the account. This has also led to cause a dramatic decline in credit score dropping from nearly XXXX score to XXXX score. 
There has been incredible hard work, effort, and accounting that has been integrated into life to make sure no payments go late or missed. This unfortunate attempt to make fraudulent and unauthorized charges has resulted in absolute problems and negative reporting to all major credit bureaus.

Ina addition, the credit card company had advised me to make the {$18.00} payment to clear the account, which was done. However the issues must be resolved to stop and clear potential future threats.
Product: Debt collection

I 'm disputing the following debt in the amount of {$50.00}. Capio Partners is reporting a debt on my XXXX credit file with XXXX Hospital being the original owner. I was never notified of this debt. This debt was also once deleted from my credit file and now it 's back. FCRA states a debt can be deleted and added back with out a 5 day advance notice. Also there is now way I can owe the debt. XXXX XXXX 2016 I had Florida state XXXX Please see attached proof that I had Florida state XXXX. I also never visited XXXX in XX/XX/XXXX because I was in Georgia at the time.
Product: Credit reporting or other personal consumer reports

Please delete this tradeline off my credit report! 
This account was closed and does not belong to me! My mother took me off as authorized user. 

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

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I received a statement in the mail today that shows multiple reversed fees, XXXX XXXX XXXX payments, and late fees. {$150.00} of {$10.00} late fees and a payment of {$270.00}. My monthly payment is approximately {$160.00} with a due date of the XXXX of each month. I make my monthly payments before the due date and Im incurring a monthly {$10.00} late fee. Per this statement unbeknownst to me I have to pay my payment by the XXXX of the month to avoid a late fee. Per the contract document it states that I will receive a {$10.00} late fee if not paid XXXX days after the due date of the XXXX of each month. This does not state a reoccurring {$10.00} late fee if paid before the XXXX ( my due date ). If this is the case my due date should be documented as the XXXX instead of the XXXX of each month. I have not agreed to a continuous late fee for paying before my due date. I have not had any real positive interaction with this company without involving complaints. I was informed by the landscaping company that conned me in to this deal and was notified that this company no longer service landscaping financing.
Product: Credit card

I am writing because I applied for credit with XXXX XXXX XXXX on XX/XX/2024. When I didnt get a response, I called them on XX/XX/XXXX for a status update. 

I was told to fax a copy of my ID and Social Security Card, which I did. 

On XX/XX/XXXX, I called again to confirm they had received the fax, and I was told they did receive it and to give them a little more time to process. 

I called again on XX/XX/XXXX and was told again that I needed to fax in my ID and Social Security Card. I informed the person that I had already done that, and the last person I spoke with had verified it. 

Still, she insisted they never received it and asked me to send it in again ; she would have them expedite processing my application due to the circumstances. I complied, sent it while she was on the phone, and then had her confirm with me on the phone that she did. She also told me to call back the following day to ensure they received it in their processing department. 

I called again the next day, XX/XX/XXXX, and confirmed with them that the processing team had received it and I would be hearing back soon. 

I called again on XX/XX/XXXX and complained that this was getting out of hand and I needed an answer. I was told that they were backed up on applications and to just wait. 

Time went by, and that brings us to today, XX/XX/XXXX. I called in, and they told me for the third time now that they never received my documents. When I pushed back, the woman said, We received your ID but not your Social Security Card, to which I responded, That is impossible, because the document I sent has them both on the same sheet ; they are not separate, so there is no way you have one and not the other. 

I think Ive caught on to the scam. By law, they have to respond within 30 days to a completed application. But as long as they can lie and say your application isn't complete, i.e., pretending they never got your documents, they can keep stretching this thing out. 

Meanwhile, they already put a hard inquiry on my credit report, which affects my scores and deters other creditors from giving me credit. 

I did some research online and found it odd that all of this companys social media profiles are locked up, preventing anyone from leaving reviews or comments. 

But when I search their name in general, I found tons of people saying they were scammed by them as well. 

They used to go by a different name before rebranding to Concora Credit. People online say they went by Genesis Financial. 

I also tracked down their XXXX page and found people making the same complaints there. 

These people are collecting identities and doing lord knows what with them. Somehow, they are able to get themselves recommended through reputable search pages like XXXX XXXX, for example. 

I want compensation for the damages theyve caused me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an inaccurate collection account on my reports. Each credit bureau is alleging that I owe a balance more than what XXXX XXXX XXXX is alleging I owe which is in violation of the FCRA. If the credit bureaus are getting their information from the same place, how is it that they are reporting inaccurate information? I am requesting that this account is deleted from my reports at the simple fact that the credit bureaus are in violation of my rights as a consumer and the consumer law of reporting inaccurate information which is illegal.
Product: Credit reporting or other personal consumer reports

I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus & data furnishers improperly investigating my disputes, as required under 15 usc 1681 & 15 usc 1681 A-2 ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.
Product: Debt collection

I previously filed a notice of direct dispute with several collection agencies ( namely XXXX XXXX doing business as " XXXX '' & " XXXX XXXX '' and XXXX XXXX ), under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information reported to my credit file in XXXX for entries made to my credit report at XXXX and XXXX for an amount of {$4400.00} with an original creditor of XXXX XXXX. Both entries were subsequently deleted as the collection agencies were not able to verify/validate that the debt belonged to me as they found the information to be inaccurate or incomplete, or could not verify the accuracy or completeness of the disputed information. As required under FCRA 623 ( 1 ) ( E ). 

However, I received an alert from my credit monitoring subscription that a collection account was added to my XXXX credit report on XXXX XXXX, XXXX. This entry is from Debt Recovery Solutions , LLC, has an account number of # XXXX, is for the amount of {$4400.00} ( identical to the amount for the previously disputed and deleted accounts ), but lists the original creditor as XXXX XXXX. XXXX XXXX is one of the collection agencies, as I noted above, with whom I have previously filed a direct dispute for this exact account and for which they are not the original creditor. I have never had an account with XXXX XXXX. It is my belief that they are re-reporting this inaccurate account in an attempt to fraudulently collect in violation of FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, and 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt -- by re-reporting the account with a different original creditor and placement date to result in a greater negative impact to my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY THIRD TIME COMPLAINING. I have had some inquires that I do not recognize on my credit report. I have filed a complaint and I never received an answer back it have been over 40 days please delete the following inquires companies, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX please delete these inquires they are not mine. I demand that you provide response exclusively through mailed letter. Please contact me about this inquires in writing, to me at home.
Product: Mortgage

td bank is reporting my mortgage late 2 times on my XXXX credit reporting agency to wit XXXX XXXX and XXXX I sent in all proper documentation to prove it lates where under 30 days days and 2 months XXXX XXXX 2012 I have sent supreme court documentation signed by a supreme court judge and sealed it states XXXX XXXX is SOLELY responsible to pay it along with letters from my attorney in regards and if not followed we would sanction the court and file a petition I have had numerous accounts with TD never late. how can I be responsiblie if a supreme court judge order it double pay it I sent priority mail which they received XXXX XXXX verified they state they started on it XXXX well its past 30 days and they have not respond ed to me I was told they would last week They also send they would call I have called 2x week just to saty on hold over an hour and no help want file a complaint that there not complying with fair credit act this belongs of my negative file its only one on there thank you for your time and working on this
Product: Credit card or prepaid card

My brother stole my card and used it. He withdrew cash out of the ATM while I was home sick with XXXX. I called bank and they said I benefited from it and Im responsible. Even tho I provided them with the police report number and the detective working the case. Now they say I am just out the XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

Blessings to you. I am a victim of identity theft and this my 3rd time contacting you guys about fraudulent accounts being on my report that are not mine. This has been a struggle for me and my family because we are in the process of buying a home. My life has been turned upside down because of these accounts. This is an injustice for me as a consumer with your company. I need to be protected and safe. Instead I feel like you guys aren't taking care of the wrongs that these criminals have dealt me. I filed an FTC report in the beginning of the year and none of the accounts were removed that should have been. According to the FCRA 605B ( 15 USC1681 c-2 ) These accounts have to be removed within 4 days of receipt or it is a violation that can be brought to a jury for compensation. My information was stolen in a Data breach a coupe years back so that's how these criminals got my information in the first place. So the companies will try to validate them but they can't because my id was stolen. I now will need these accounts to be removed because the law is being violated. I am attaching proof of my identity, identity theft affidavit, FTC report, notarized letter.
Product: Credit reporting or other personal consumer reports

This marks my initial attempt to convey that I've fallen victim to identity theft. I'm raising concerns regarding certain entries in my document resulting from this crime. These entries pertain to transactions that neither involve nor reflect any purchases, services, or monetary authorizations on my part. If indifference reigns, I request the removal of any significant information stemming from an alleged fraudulent or extortionate activity in my credit record. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX Balance Owed : {$920.00} XXXX XXXX Balance Owed : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the following was mailed to all credit beaus FCRA 623 ( a ) ( 7 ) Negative Information Police Report ID Theft Affidavit
Product: Debt collection

Dear Affirm Inc, I am writing to express my deep concern regarding the lack of information and communication provided by your organization regarding the alleged debt on XX/XX/2022. Despite my numerous attempts to obtain details on how to pay off alleged debt, I have been met with silence and a lack of cooperation. 


As a consumer, it is my right to receive accurate and complete information about any debt claimed against me. I have made diligent efforts to seek clarification and understand the nature of the alleged debt. However, your agency 's failure to respond or provide any relevant information has left me in a state of confusion and frustration. 

Therefore, I kindly request that if I do not receive a satisfactory response within 10 days from the date of this letter, you promptly remove the alleged debt from my credit report. The lack of information and communication from your agency has already caused undue stress and frustration, and I should not be penalized further by having an unsubstantiated debt negatively affect my creditworthiness. 

I expect your full cooperation in resolving this matter promptly and in compliance with the applicable laws and regulations. Please provide all correspondence and documentation to the email listed. 

Thank you for your immediate attention to this serious issue. 

Sincerely, consumer Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX. I have been trying to have my XXXX sister 's and my credit separated by Equifax for years. I'm so upset and frustrated. I managed to get XXXX and XXXX to separate our reports years ago. It has been a nightmare trying to get my credit separated through Equifax. I sent 3 letters of dispute/dissociation to Equifax, one in XXXX, one in XXXX, and another in XXXX to no avail. I have sent the documentation requested including evidence of my accounts and current address with background information that supports that we are two different individuals with different lives. I have been in contact with representatives that have lied and assured me that our reports would be or have been separated. I will be consulting with a lawyer about my options because at this point it's stopping me from moving and or making life-changing purchases.