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

I have been disputing inaccurate information on my credit report with Equifax for months. The Equifax disputes has come back verified every time. XXXX XXXX I have pointed blatant inaccuracies for Date of Last Active, Date of Last Payment, Late payments after account is charged off. past due on a charge off account. XXXX XXXX I have pointed that XXXX does not own the account. The XXXX XXXX is owned by XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX is not registered in the State of Georgia XXXX I also pointed out blatant inaccuracies on the XXXX XXXX Date of Last Active, Date of Last Payment, Late Payments after account is charged off. XXXX XXXX has blatant inaccuracies, Late Payments saying I'm 90 days late and stating that I am {$1400.00} behind on my account. If Equifax had done their investigation like they are required to according FCRA Section 611, Equifax would have known my account is current and never late. Also in XX/XX/XXXX, XXXX, XXXX, XXXX I faxed Equifax my dispute for XXXX XXXX and Equifax stated that the account was verified. How can that be according FRCA Section 611 the credit reporting agency suppose to do an investigation and that did not happen. That is a violation!!!
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracy on my account. This account is hurting my ability to obtain credit. Its my understanding that The Credit Bureaus will investigate this account for me to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted Experian Credit Bureau to have them correct the spelling of my name, which is spelled incorrectly on my credit report. I also sent in a letter back in XXXX not only asking them to correct my name but also to remove an account associated with that name they have reporting to my credit profile. When I spoke to them on XX/XX/XXXX I let them know that I had sent in a letter to dispute information on my credit report, to include the wrong name reporting and a charge-off account with XXXX XXXX XXXX doesn't belong to me. I was told that even though I had sent in the documentation showing the correct spelling of my name that the information won't be updated. I know that the Fair Credit Reporting Act states that the information within my credit report must report accurately and if it's not then it must be removed by law. Since they have my name reporting inaccurately and the same name is attached to an account that I don't know about, by law it should be removed correct? I feel like I am being denied my rights that is clearly stated in the FCRA. They are not upholding the law and it is causing me to get denied for employment and for a house. This is affecting my livelihood and causing me distress. I also requested for Experian to send me proof of verification from the company, XXXX XXXX, along with a copy of a signed contract between myself and that company, which I never received. They actually did nothing that they were supposed to do in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received confirmation from two previous accounts that have been cleared and advised from the collection agencies for the accounts to be deleted off of my credit report in which I sent to Experian and they did not delete from my credit report but they updated their account when they accounts to be deleted immediately
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : 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 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 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

My credit file still contains information about previous accounts from Experian, XXXX, and XXXX despite my repeated disputes and requests for their removal. My credit file has these items since XXXX. I've been at odds with these credit bureaus for the past six years. Everything that states " Collection Charge Off, '' including XXXX XXXX XXXX XXXX, and XXXX, needs to be removed. I'm unable to move forward because of the ongoing effects these things are having on my credit report. 

These laws also protects me as a consumer Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1692 Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681 Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S. Code 6801-6809 Identity Theft and Assumption Deterrence Act ( ITADA ) - 18 U.S. Code 1028 Privacy Act of 1974 - 5 U.S. Code 552a
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract on XX/XX/2022, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, XXXX XXXX v XXXX, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). 

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX AND Account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that AIDAVANTAGE produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the following AIDAVANTAGE Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX AND Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Product: Credit card

I have made on-time payments on this account every single month since I got it. In late XXXX, my credit report showed that I was 30 days delinquent on this account, despite verifying that I had no late payments. This has caused my credit to take a XXXX point hit. I contacted XXXX to ask them to evaluate the report, and never heard back or saw a change.
Product: Credit card or prepaid card

My card shows that funds do not expire. However, I have been charged a $ XXXX Post-Expiration Monthly Account Management Fee since the expiration date on the card until the funds have been completely depleted. THe company that held the funds for this card is XXXX
Product: Credit reporting or other personal consumer reports

I have never given XXXX XXXX the Athorization to my XXXX Information, this agency is now on my credit report. 
Also New American I have not given then approvel to run my credit.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered unauthorized inquiries linked to my profile. 

XXXX 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear sir, I would like to ask the investigation on your possible service of soft inquiries on, XXXX XXXX. I have found out your company name on the credit report of Equifax. And this credit report company, Equifax, asked me to give the detailed content of my concern regarding my credit report, since it might be used for the illegal movement, which might have caused the result of fraud alert on me, XXXX XXXX. As far as I understand the system of the United States and possibly globally, the soft inquiries on home lending must be performed by the person, who has the interest to purchase the home or real estate ; however, my family never have had the interest for an extensive period, because of the unfortunate happenings, such as the huge earthquake in XXXX, XXXX XXXX, physical operation, and death of family members. Also, this year, we never had the idea to move out from our rented apartment, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; therefore, I want to ask why you had the soft inquiries to Equifax for XXXX times, which were performed on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. If you have the question and concern, please contact Equifax and discuss together. 

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

There is a Hard Inquiry on my credit report of Experian with the name of XXXX XXXX XXXX  ( see attachtment ), I have tried to dispute this with Experian and also XXXX  but both company denied to help me in this. 
I do not have any credit card or account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been disputing a XXXX account that has been appearing on my TransUnion credit report but received a response that it was verified by XXXX. I again disputed the XXXX entry on XX/XX/XXXX and  XX/XX/XXXX to  receive the same response verified, On XX/XX/XXXX I disputed the information with XXXX receiving response that they could not verify the account I have provided that letter in my complaint. Even though I have pointed out to TransUnion all the inaccuracies on my credit report 1. Account status DEROGATORY is inaccurate 2. Date opened is INACCURATE. 3. Payment status UNKNOWN is inaccurate 4. Last reported XX/XX/XXXX this is INACCURATE if they investigated this 3 times the date should show a date in XXXX not in XXXX, 5. Date of last activity is inaccurate, 6. Date of last payment is BLANK this is inaccurate. TransUnion continues to violate federal laws and in turn are causing me financial hardship costing me thousands of dollars in high interest rates, denied credit, high insurance premiums, defamation, negligent enablement of density fraud. They are also in violation of the FCRA. I am providing the certified letters sent to TransUnion and I will also provide my most recent credit report High lighting the inaccuracies side by side with the other credit reporting agencies.
Product: Debt collection

Medical service revenue is in violation of 8 federally protected consumer rights under 15 usc 1692 and 4 unauthorized uses of registered trademark
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Debt collection

I had a conversation in XXXX of XXXX where I contacted Glasser and Glasser after repeated phone calls. On a recorded line I told them I was willing to set up a payment arrangement to resolve the debt. I was told that there was a garnishment action with an upcoming court date in XXXX XXXX, Virginia and that the court date was for the creditor and judge and I was not authorized to attend the court proceeding. I was told the hearing was not for me and was between the creditor and judge. ( There is a recorded phone call of this and notes from this conversation in their date base ). I was told to call back in XXXX of XXXX and set up a payment arrangement. I called back in XXXX of XXXX and left multiple voicemail messages and did not receive a call back. 

The garnishment suit in XXXX XXXX, Virginia was dismissed. Subsequently. in XXXX of XXXX my account with XXXX XXXX XXXX was garnished for {$2300.00} without me having any notice of legal proceedings against me in XXXX, Virginia. I received no notice of a court proceeding. 

They have phone records of the XX/XX/XXXX phone call and notes from this conversation. The notes were read back to me on XX/XX/XXXX by a representative XXXX XXXX. When I raised the legal issues with XXXX XXXX, I was placed on a phone call with an attorney XXXX who I spoke to for over an hour. I was told that under the Virginia code that I didn't have to actually receive notice and that my bank account being garnished was " notice enough ''. I raised the issue of this garnishment action violating my due process rights and was told my due process was not violated. 

When I continued to raise the issue that I would have attended a court hearing in XXXX XXXX, I was told " well this was dismissed '' and it " does not matter. '' My overall point was that I could have resolved this a year ago and not had my bank funds seized as a father of two taking care of XXXX kids. As the call ended, I was told " I am not sweating as much as you think I am. And I hope you are able to have a good day. '' in a very condescending tone. 

This whole matter could have been resolved 10 months ago, the initial case in XXXX XXXX was dismissed. I was provided legal advice by a representative of Glasser and Glasser not to attend a hearing and had my bank account garnished without justification. Glasser and Glasser is a law firm that specializes in legal matters beyond debt collection as displayed on their web site. They provided me legal advice that has created an adverse impact on me.
Product: Debt collection

I had an account with XXXX  XXXX with an unpaid utility bill. 

XXXX XXXX sent this account to Sunrise Credit Service on XX/XX/XXXX. 

XXXX  XXXX then sent this debt to XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX shows it opened on XX/XX/XXXX. 

XXXX  XXXX sent Sunrise Credit Services a letter on XX/XX/XXXX. XXXX failed to notify the credit reporting agencies that they no longer had the account and this has detrimentally impacted my credit for the past 15 months.
Product: Prepaid card

I have a {$25.00} Amex gift card that I have no access to. I contacted them and requested information on how to access the money from the state and they could not provide me information. They denied my request for them to seek my unclaimed property and send it it me and could not provide me any information on how to get in touch with the state for said unclaimed properties. The card has not yet expired or has been used yet. Do not use American Express for gift cards, they are a nightmare to deal with.
Product: Credit reporting or other personal consumer reports

My account has been discharged and it shows charge off for every month.
Product: Credit card

All of a sudden they stopped taking debit payments, since they changed they say my payments are coming back but money is in account. Also they keep trying to charge my payments to my old account that I requested they remove. I called them on XX/XX/XXXXXXXX XXXX  and was told they are closing it due to this and nothing they can do about it. This has also hurt my credit report because of late payments due to these issues, and I have had late payment fees due to these issues
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Mortgage

I want to submit a complaint towards Shellpoint Mortgage XXXX XXXX XXXX XXXX MI XXXX regarding unfair and suspicious escrow practices. This past XX/XX/2019 this mortgage company claimed I was short escrow by 5000 plus dollars and increased my payment by 500 about dollars to be a now unaffordable payment that I can not afford. They are now sending me certified mailings threatening foreclosure. They are calculating my escrow to be XXXX plus dollars a month which yearly adds to well over 12000 dollars. My town taxes hazard and flood insurances dont come anywhere near that amount and I can not get a satisfactory answer why it is so high. This has happened before and I had the escrow payments spread out so I could afford the mortgage. Now that it has happened again im at my wits end. Im afraid of losing my house and I dont know what to do. Im hoping Hud can mediate and get down to what exactly is going on with my escrow.
Product: Debt collection

Credit management claims I have a outstanding debt of XXXX for a cable bill with XXXX. I currently have a account with them an I'm current on my bill with them. Please help me remove this off my payment history its tarnishing my credit report.
Product: Debt collection

I am writing to request validation of a debt that is appearing on my credit report. The debt in question is from an unknown collector ( ABILITY RECOVERY SERVI ), posted this XX/XX/2023 and I would like to verify its accuracy and legitimacy. 

As per my understanding of the Fair Credit Reporting Act, I have the right to request validation of any debts that appear on my credit report. Therefore, I am requesting that you provide me with the following information : The name and address of the original creditor. 
The original account number. 
The date the debt was incurred. 
The amount of the debt. 
Any other information that will help me identify the debt in question.
Product: Debt collection

I had an interlock device in my vehicle for a XXXX I was having issues with the state of Michigan and the vehicle itself had broke down I was told by XXXX to just hold onto the equipment until I got things straightened out and without any notice I was sent to collections with aargon collection agency for the amount of XXXX $ I have tried to contact XXXX multiple times leaving messages and never getting a call back. I am only now trying to resolve this because I recently learned about the cfpb and I can attempt this myself and I'm trying to fix my credit. I also recently learned lifesafer had a class action law suit against them in XXXX for not disclosing certain information in the contract about costs of the equipment etc.. I also was paying extra each month for loss or damage to equipment. attaching what aargon collection agency finally sent me XX/XX/year> as their so called verification an unsigned contract from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED MULTIPLE MEDICAL ACCOUNTS THAT WERE NOT VERIFIED ACCURATELY OR WITHIN 30 DAYS AND XXXX REFUSES TO DELETE THE ITEMS OR VERIFY THEM CORRECTLY, THEY ARE VIOLATING MY XXXX RIGHTS WITH COMPANY MEDICAL DATA SYSTEMS DATES XXXX ALL OTHER CREDITORS HAVE REMOVED THE COLLECTIONS AND MY COLLECTIONS AREN'T PROPERLY BEING ADDRESSED. AMERICAN ACCOUNTS AND LVNV HAVE NOT PROVIDED ANY IDENTIFICATION OF IT BEING MY DEBT AND XXXX IS STILL REPORTING AND TAKING MATTERS INTO THEIR OWN HANDS INSTEAD OF FOLLOWING THE LAW.
Product: Mortgage

WE ARE HAVING TROUBLE WITH OUR MORTAGE COMPANY. WHEN WE PAY OUR LATE FEES THEY ARE NOT BEING APPLIED AND NOW WE HAVE THIS LARGE AMOUNT DUE IN LATE FEES..WE HAVE CALLED AND WE GE THE RUNAROUND. WE WANT TO KNOW WHERE IS OUR MONEY THAT WE ARE PAYING.
Product: Student loan

I may be affected by theNavient settlement. I was advised to submit a complaint since they previously handled my student loans.
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. 

XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX,, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

I recently submitted disputes to this company in regards to fraudulent accounts and inquiries on my credit report. I have submitted a complaint as well that they have not responded to. I called in today XX/XX/year>, I also called XX/XX/year> and XX/XX/year> about fraudulent inquiries that still have not been removed. This company stated that they can not remove the inquiries because it is associated with a account that is on my report. I contacted the creditor and they have stated that they inquiries that I stated are in no way associated with their company and that they only had XXXX hard pull as was requested of me when I applied. This company has refused to block the inquiries and refused to investigate the issue as well. I believe that they are still continuing to purposefully violate my rights.