23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The collection agency explicitly told me that if I paid on time and paid the monthly amount they wanted that I could avoid having a negative mark put onto my credit report. 

After paying them on time, and paying the amounts they requested, they then reported the collection AFTER I had finished paying them off. To be clear - They held off on reporting the collections debt until I had finished paying them off in full WITH interest as well! 

In addition to that, the last written email contact I had with them when requesting an exact amount to pay off had them reply back with " about {$110.00} ''. They did not give an exact amount. On my last payment I paid {$120.00}, just to be safe. I never received any confirmation that the debt was paid off nor have I received any money owed back ( if we stick with the assumption that I owed {$110.00} and some change, then they owe me at least {$4.00} and some change )! 

The only way that I know the debt was paid off was by the collection remark on my credit report showing a {$0.00} balance on the collection amount and it being marked as paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, after reviewing my consumer report, I was made aware that Inquires that do not belong to me are on my consumer report : After Finding I Do Not Consent To, Authorize, Nor Benefit From Any Of The Following Inquiries. I also filed an Ftc Identity Theft Report To Have Them Blocked & Removed. This report has been sent to Equifax over 30 days ago, and the inquires have not been removed. This information was sent via certified mail along with a green return receipt. An employee of Equifax accepted my dispute package by XXXX XXXX, & XXXX XXXX. The inquires in question are : XXXX XXXX- XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX US SMALL BUSINESS ADMIN ODA- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern regarding the presence of fraudulent and unauthorized accounts on my credit report, which are causing significant distress and financial harm. Specifically the accounts that has been deleted but gets added back every time I order a new credit report.

I must stress that the continued deletion and re-reporting of this account is not only inaccurate but also in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically section 609. The FCRA mandates that credit reporting agencies maintain accurate information in consumers ' credit reports.

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Student loan

Around XX/XX/2017 my girlfriend started a student loan application with Discover, I offered to be a co-signer. On their website they show XXXX XXXX XXXX XXXX as an elegible college that they offer their services too, so we decided to go through with it cause that's where she wants to study. After Discover inquires our credit and approves a loan, we negotiate the repayment process and interest rate, and they proceed with the certification request to the school, only to be turned down cause according to the financial aid department at the school they only accept federal loans or scholarships, not bank loans. 

I procceed to talk to XXXX different supervisors from Discover about this discrepancy and they could only escalate it to corporate, and told me to wait about 40 days for a resolution, I call today well over the timeframe to hear that Discover XXXX cancelled my request for removal of both credit inquiries basing themselves on that the school does meet the requirements to be on their website, I told the last supervisor that the information is very misleading cause why offer a product on a college that does not even accept it, even after providing sensitive information. As soon as they denied my request I called one of the credit bureaus, and they can only remove it if the bank sends a letter to them stating that it was a mistake in which they didn't, then the agent gave me the contact information for CFPB, XXXX answered and provided me with this method of submitting a complaint. 

Hopefully I can get those credit inquiries removed and they can remove that misleading information from their website, saving future consumers a headache.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership to test-drive, not to buy. I told them what my budget was and that I would not purchase that day. The date was XX/XX/2019. The involved company ran several financing options and it created multiple hard inquiries on my XXXX, XXXX and other credit reports in which I did not consent to.
Product: Credit reporting or other personal consumer reports

promo inquiries and closed accounts on my credit report inaccurate reporting of two accounts XXXX ) XXXX XXXX XXXX that account was sold to another bank once its been sold from the original creditor that's null and void and can't collect anything. 
XXXX XXXX XXXX XXXX that account was closed in XXXX  that's not revolving if its closed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion were reporting two collections on my credit file with a company by the name of XXXX XXXX XXXX. I did dispute the account and in XXXX they both were removed. Then I get an update on my credit report this month and they have returned. This is against the FCRA they can't delete them and keep putting them back on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Report has inaccurate information because Co-Borrowers Age reported is incorrect, also report shows legal name as aka/nickname both shows different names from the legal name. Also Incorrect Dates of resident address times/dates discrepancies, errors modification on account not correct facts. Per 15 U.S.C. 1681 A. States, I have the right to privacy and accurate information on the credit reports and should not and can not modify information on the credit reports. Also Incorrect Dates of resident address times/dates discrepancies, errors modification on account not correct facts. Per 15 U.S.C. 1681 A. States, I have the right to privacy and accurate information on the credit report and should not and can not modify information on the credit reports.

5 U.S.C. 1681 Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. I personally made several attempts to make payment arrangements to satisfy this account but after personally going to the bank in person after waiting for XXXX a bank representative asked me to come back later or someone would contact me from the bank, after making several attempts to speak to a bank representative regarding making some kind of payments arrangements and also need to dispute the Overdraft Charges because the amount owed was incorrect, but no one ever contacted me to settle this matter, Did not know my account was sent to a creditor that closed account years ago without my acknowledgment nor did not contact me to make any kind of payment arrangements. So I'm requesting this account to be removed and deleted from my credit report. The creditor never contacted me which violated my rights to privacy. 
Dates/ Amounts on Credit Reports are : 1. ) XXXX XXXX XXXX XXXX Delinquency shows Date : XX/XX/XXXX / Amount Charged : {$680.00} Closed and Re-Opened XX/XX/XXXX Cable box charge/ boxes were returned years ago when we paid off the account in full and the account was closed in good standing. 

2. ) Account Name : XXXX XXXX Date of delinquency : XX/XX/XXXX - Amount Charged : {$510.00} Request : Delete and Remove this account Explanation of item being disputed : o The report shows I currently owe money to your company that I have already repaid. 
o The date of first delinquency on my report is not accurate. [ see attachment of an original copy of credit report highlighted with circles for an explanation as above explained for each account. 
* Inaccurate information with errors, Address Discrepancy : A substantial difference occurred, info not correct on the credit report. 
I have attached a copy of my report with the accounts in question circled. 

Action Taken by myself XXXX XXXX / XXXX XXXX The dispute was filed with- Equifax Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Date Filed : By Phone Dispute XX/XX/XXXX ( Have not been Contacted as of XX/XX/XXXX, XXXX ) No one has reached out with the investigation. Only received a copy of the Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at the XXXX dealership on XX/XX/2020 and when I had my credit ran to see if I qualified for the auto loan I was told that I was not approved because there were too many accounts in negative standing appearing on my credit. I was somewhat confused to hear this because I have never let any of my accounts or loans get negative so I looked through my credit report and I saw XXXX accounts that I never opened. The accounts are from these companies. XXXX & US Department Of Edu. None of the accounts I listed on this report belong to me and I did not give anyone permission to open these accounts on my behalf ; I do not have any agreement or affiliation to any of those companies and I did not gain anything as a result of those accounts being open in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX. 

15 U.S.C. 1681 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written consent/instructions.

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

I received a voicemail message stating that if I didn't return the call it would be escalated legally. This company never left their name or advised they were attempting to collect a debt. I returned the call the lady stated they were collecting on behalf of Huntington debt holdings. She stated they had bought the debt from XXXX XXXX. I informed her that I never received any communication stating the account was sold nor did they send a letter giving me the amount owed and opportunity to dispute the debt.
Product: Credit reporting or other personal consumer reports

Following companies have been calling my phone multiple times a day to collect an unverifiable debt that they have not proved belong to me. This is against the law and have been told this numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I filed a complaint with the CFPB ( # XXXX ). The company did not fix my credit report or remove the full balance as stated in the claim. I thought they had removed everything. They changed their name from XXXX to Real-Time Resolution and added more derogatory information to my credit report. 

In the attached documents, you will find the original CFPB complaint. I included a section from my XXXX credit report. Page XXXX shows where Real-Time and XXXX are the same company. in the XXXX credit report, it shows that only Real-Time is on my credit report, but the information is inaccurate.
Product: Debt collection

I have several accounts that are fraudulent that have been listed with your agency and they have been listed with various credit reporting agencies with this fake information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account NamXXXX XXXX XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX  - Account Number : XXXX Account XXXX : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXXccount XXXX : XXXX XXXX - Account Number : XXXX Account XXXX : XXXX XXXX XXXX - Account Number : XXXX Account XXXX XXXX XXXX - Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account XXXX : XXXX Account Name : XXXX  - Account XXXX : XXXX Account Name : XXXXXXXX XXXX - Account Number XXXX XXXX Account Name XXXX XXXX - Account Number : XXXX Account Name : XXXX- Account Number : XXXX Account Name XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - Account XXXX : XXXX Unauthorized inquiries : XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax have my files merged with a similar person but with a completely different SS #. I have been in contact with the creditors that are reporting on my report that aren't mine. Thats how I know this. I submitted a request to remove these items. It came back as " verified as yours ''. I sent a second letter demanding that they manually verify not use E-Oscar to make sure the items would get taken care of. They responded that my request had all ready been done and these were considered " frivolous requests and if I had proof these weren't my accounts submit it ''. I cant submit something that doesn't exist in my name and SS # the creditors say they aren't doing this the credit bureaus have it mixed up. I then sent a demand letter giving them 15 days to submit proof of my signature, contracts, anything to show they actually follow thorough with my request. crickets... .litterally crickets... Nothing back its been 45 days I have the certified letters showing it was delivered. Its causing me hard to not be able to buy a house. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Innovis a method of verification letter after disputing several accounts in my credit profile. I did not receive the requested information within 15 days according to FCRA 611 ( a ) ( 7 ). Innovis sent the results within 30 days later and listed all disputed accounts as " verified '' with without further explanation or documentation. Called to speak to a representative and supervisor. They stated that all investigations are conducted electronically through their system, they don't have to send me a method of verification, and a thorough investigation was not completed. This is a violation of my rights.
Product: Payday loan, title loan, or personal loan

I have never applied for a loan with this company. On XX/XX/2021 I received an email with a denial letter for this attempted loan. I already have fraud alerts on my credit report so I am assuming that is why the attempted loan was denied. I expect the inquiry taken off of my bureau and an alert sent to this company that I did not apply for a loan with them and not to accept any applications from me because they are not legitimate.
Product: Debt collection

XX/XX/XXXX Credit collections Bureau XXXX. XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern : I am in receipt of your letter dated XX/XX/XXXX Please be advised, I am a Member of A  Protected Class, because of my physical XXXX and the XXXX XXXX brought on by my on-going XXXX XXXX treatments. Therefore, my preferred method of communication now is via fax because it gives me time to look over documents with right understanding and get the necessary documents together as covered in sections III-4.2000 Reasonable modifications, and III-4.2100 General. A public accommodation must reasonably modify its policies, practices, or procedures to avoid discrimination As per your letter Section E : I am forwarding my financial sheet and letter of debt from the I.R.S., and am in the process of pursing remediation against XXXX XXXX XXXX XXXX ( XXXX ) in Federal court, which has jurisdiction over this matter. Please see attached letter dated XX/XX/XXXX to XXXX. 

The letters dated XX/XX/XXXX to the U.S. Department of Justice, U.S. Attorney Generals office and XX/XX/XXXXto The White House were turned over to the U.S. Department of Health and Human Services,  because XXXX XXXX XXXX XXXX wrote off all of my medical expenses billed within their company in XX/XX/XXXX. 

However, I am willing to pay {$25.00} a month now, and apply the {$79.00} being applied to past medical bills XXXX which Im still not sure I should have paid due to the circumstances these bills are accruing XXXX as of this letter, set to expire in XX/XX/XXXX for a total of {$100.00} beginning in XX/XX/XXXX. 

NOTE : Because all of my medical bills are a result of medical malpractice beginning in XX/XX/XXXX and on-going and I am seeking remediation from XXXX  which falls under the jurisdiction of Federal laws at this time I am pondering contacting the Consumer Financial Protection Bureau ( CFPB ) for assistance ( if necessary ) that they may help negotiate this reasonable monthly payment which is all I can afford.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address an ongoing issue with Experian regarding disputes I have submitted about inaccuracies on my credit report. Despite filing multiple disputes, Experians only response has been account verified, without providing any details or evidence of how these verifications were conducted as I requested. 

I have requested information on the reinvestigations including how these errors were verified, yet Experian has failed to provide anything to validate their claims of verification. This lack of transparency and proper action is concerning.

I have reviewed the CFPB vs. Experian lawsuit, which highlights Experians history of conducting inadequate and sham investigations. I firmly believe I am one of the individuals affected by these practices. Because of Experians reporting errors, I have been denied credit, housing, and employment opportunities. This has caused significant harm to my life and well-being.

I am requesting the CFPB to ensure that Experian performs a thorough reinvestigation of my disputes in a timely manner and provides validation of the information they claim to have verified. Additionally, I request that all inaccurate and unverified negative accounts be removed from my credit report ASAP.

Thank you Thank you for your attention to this matter. I trust the CFPB will assist in holding Experian accountable and ensuring my rights under the Fair Credit Reporting Act ( FCRA ) are upheld
Product: Credit reporting or other personal consumer reports

Throughout the first half of XXXX, I attempted to reach out to Conn Appliances Fraud Department regarding a potentially fraudulent or incorrect account on my credit report. Conn Appliances Customer Support refused to provide any information surrounding the account and referred me to the fraud department. The fraud department has not answered/returned my repeated calls or messages over the course of several weeks. I filed a dispute, but it was denied after 3 months of investigation. A second dispute was denied after less than a week. There are five total accounts opened on XX/XX/XXXX - XXXX of 2023. The accounts total roughly {$7000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX - Loan # XXXX Pay off amount - XXXX $ In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine and one one of the accounts, these are not my charges. I just noticed these charges. The XXXX account was paid in full!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my identity theft reports via certified mail ( tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ) to XXXX and Experian ( tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2022. They received the identity theft reports and didn't do anything about it, nor did they respond within 30 days. The fraudulent accounts in question are : XXXX XXXX XXXX XXXX Fraudulent credit inquiries : XXXX XXXX XXXX XXXX My personal information is incorrect : My only name is XXXX XXXX XXXX lists my name on the credit report incorrectly as : XXXX XXXX  XXXX XXXX Experian is listing two incorrect addresses on my credit report : XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX  account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$320.00}, per the FCRA this is a violation, balance should be {$0.00} Date Opened : Inaccurate Balance : Should be {$0.00} Past Due : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate