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

Dealt with XXXX after paying without any late payments for years negotiating a payoff amount of {$9100.00}. There was a discrepancy amount not negotiated for repayment and XXXX reported my account as a charge off dropping my credit rating over XXXX points ( XXXX ). After reviewing my account XXXX sent apology letter for mistake and reported car paid in full rendering only a partial replacement ( less than half ) of the credit rating points taken away for their mistake. Fast forward to XXXX XXXX XXXX I get a notice from XXXX XXXX indicating a credit score drop of XXXX points with XXXX and XXXX Equifax due to remarks made by XXXX before removing the account completely from my file. This is double jeopardy! I am losing more points in addition to the ones originally lost because of their mistake. I did call XXXX and spoke with XXXX who filed a complaint for me. I need to recoup all of my stolen points because I pay all of my bills on time and I am trying to buy a home. XXXX fell to XXXX from XXXX and Equifax XXXX from XXXX! Can you also help me to get all of my points back that I have worked years to build? Thank you!
Product: Mortgage

XX/XX/2020 My gut told me to call mortgage company b/c I had trouble logging in that night before. I called about XXXX XXXX. to get help which I had already registered the previous weeks before. I was very concerned b/c they continually displaced my payments. Making it appear that I'm paying late which I have been consistent for over 10 years. I also had agreement with mortgage company to have auto payments set-up thru them. So how could I miss a payment. I did not request any assistance due to pandemic. I was very adamant about paying my account on time. When I read over my statement since it's paperless billing I don't notice as much. But I have noticed that by them making it appear that I'm late and reporting it. It affect the bottom line tax wise. The numbers are not adding up. I have reported before about inaccurate info. This totally changes interest rates.
Product: Credit reporting or other personal consumer reports

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days.
Product: Credit reporting or other personal consumer reports

The following accounts 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 accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is charging me {$2200.00} for services that I did not use. I moved from the apartment in XX/XX/2020 due to military orders. I turned off all my services including electric and cable. XXXX never turned off the services and was still charging me from XX/XX/2020 until XX/XX/2020. I tried to dispute it with the company and they company they sold the debt to. I showed them my military orders and the lease that I signed with the end date of when I left the apartment. Im being violated according to the SCRA. I should not be penalized because of military orders. Under the dispute they said they disagree with the dates. They also sent me the printed bills of them charging me which doesnt align with the time I was no longer living in the apartment.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized hard inquiry that appears on my credit report from XXXX XXXX XXXX XXXXXXXX XXXX XXXX This inquiry was made as part of XXXX XXXX See if you pre-qualify tool, which I used with the understanding that it would involve a soft inquiry and not a hard inquiry. 
Under the Fair Credit Reporting Act ( FCRA ), Section 1681b, a soft inquiry should not be reported as a hard inquiry. The pre-qualification process explicitly states that it is a non-binding check to determine eligibility, which typically involves only a soft inquiry. Therefore, a hard inquiry under these circumstances was unauthorized. Additionally, the Truth in Lending Act ( TILA ) requires creditors to fully disclose all terms and conditions of any credit inquiry, including whether it is a hard or soft pull. XXXX XXXX tool did not adequately disclose that a hard inquiry would take place. This lack of proper disclosure violates the TILA. I respectfully request that this hard inquiry be removed from my credit report as it was made under misleading and unauthorized circumstances.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, the last four of my Social Security number is XXXX. I recently recived a copy of my TeleCheck consumer report. The tracking number is XXXX and I have noticed that there is inquiries listed that I did not authorized and Financial Institution Data that does not belong to me. The unauthorized inquiries is as follows : XXXX XXXX XXXX on XX/XX/year>, XXXX XXXX  on XX/XX/year> and XXXX XXXX ON XX/XX/year>. The Financial data reported that does not belong to me is XXXX XXXXXXXX XXXX  Ref # XXXX. I never had any loans with this bank or know who they are. I like to file a dispute for all the items I've listed and these remove from consumer file.
Product: Credit reporting or other personal consumer reports

Please remove all the negative accounts and late reporting from my credit report. Its privacy concern and I never gave permission to reporting in first place. Violation of my privacy had went on with several companies including XXXX, XXXX have shared my private source data information with out permissions or consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX  with equifax for a year now. They keep coming back the same day with a response. which let 's me know they have not done an investigation as they reported. The response says all inquiries are accurate and that they reached out to XXXX. They did not XXXX  has told me numerous times that they have no account or application from me to have an inquiry. after I disputed XXXX XXXX  they even sent a letter and now equifax still doesn't have it. 30 days later.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection added to my credit report a collecting in amount of {$100.00} I sent Information sent this is not my account it was removed and then added back with new company XXXX XXXX i 'm disputing this and requesting that this be deleted from my credit report XXXX XXXX this was added onto my credit report I sent an information showing that it was not mine they took it off for a month or two and now when I look at my credit report is back on there for them out at {$200.00} i 'm requesting that this be deleted from my credit file Collection on credit report from XXXX XXXX and XXXX  sent information and stating that this is not my information this is not belong to me and it was not removed or nor was it investigated requesting that this be deleted from my credit file All three of my credit reports have significant inquiries that I did not get permission for anyone to run my credit I am requesting and have requested from all three  bureaus to remove these from my credit file there still on there I 'm requesting that all inquiries be removemycredit file
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX Tx XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in Violation!!! Under XXXX XXXXXXXX XXXX XXXXXXXX purpose 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 INSTRUCTIONS 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 IDENITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
XXXX XXXX XXXX XX/XX/XXXXXXXX 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

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

These following items listed below are unknown to me. 
XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Balance {$360.00} ; XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Balance {$1400.00} ; XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1200.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : DELETIONS TO CREDIT REPORT Dear XXXX, XXXX, Experian : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Account # Reason for Deletion : XXXX XXXX XXXX Incorrect Original Amount of Debt Incorrect Payment History-Account was paid on XX/XX/XXXX. Not reflecting on any of my three credit reports. 

Incorrect Date Open on the Account- All Three Credit Reports State that that Account was opened in XX/XX/XXXX which is Incorrect Two Different Original Amount 's Owed On The Account. All Three Credit Reports Is Inconsistent With Original Creditor XXXX XXXX 's Account. All Three Credit Reports Stated The Amount Is {$220.00}. But Original Creditor XXXX XXXX States {$210.00}. 

I AM ENCLOSING PROOF FROM ORIGINAL CREDITOR " XXXX XXXX '' According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 
Sincerely,
Product: Student loan

I requested a School Misconduct Discharge Application and was denied as Navient stated that I am not eligible due to the loan type being a refinance. My private student loan is a consolidation and has never been refinanced.
Product: Debt collection

My wallet was stolen 10 years ago. This debt has been on my account past 7 years. I have no knowledge of these accounts
Product: Money transfer, virtual currency, or money service

Lost my phone and there were PayPal purchases on PayPal account totaling XXXX dollars
Product: Debt collection

We received a bill from " ERC '' ( the only identification on the bill, no other heading on the bill ) collecting on a bill from XXXX XXXX XXXX ( XXXX ). We have lived in the same house for over 30 years and have never had XXXX. The bill was for {$190.00} Called ERC, they referred me to XXXX. Quite clearly through the conversation with XXXX, this account was not associated with us, except that the first and last name of the delinquent consumer was the same as my husband. XXXX told me that I needed to file an identity theft report with the police and a notarized affidavit regarding not receiving services. In other words, a half day 's work. The entity that had stolen my husband 's identity in this scenario was ERC. 

While on hold, I googled the name and found an obituary for someone with the same first and last named in the correct city where the service was provided ( which the XXXX rep has disclosed ). 

ERCs apparent practice is to mail a bill to someone with the same name as the delinquent account in hopes that they will simply pay the bill. To me, this seems the same as " phishing '' using the USPS rather than the internet. It seems like fraud to me.
Product: Debt collection

I dont not have a written contract with the company. They never provided a written contract with my signature. They amount it for {$1900.00}
Product: Debt collection

I received an email from XXXX saying that they sold an alleged debt to Spring Oaks Capital and that the debt is no longer in their hands. Spring Oaks Capital reported the alleged debt to other third parties as the creditor after the fact that the original creditor said that they have nothing to do with the collection of such debt. I disputed the debt and told them to cease contact due to their deceptive forms that were furnished. They have yet to do so.
Product: Debt collection

A woman called me on a blocked number. She told me she worked with XXXX and asked if I was who she was calling. She asked if I got a letter in the mail and tried verifying my address. I asked what company she was calling from and she said bennick and rainey. After she continued to ask questions and I asked what kind of company it was and she told me she worked with urgent care. After I refused to answer questions she told me she was a debt collector and any information obtained would be used to collect a debt. After I told her the urgent care billed my insurance wrong she asked for my insurance information and I would n't give t and she hung up.
Product: Debt collection

I sent multiple letters to XXXX XXXX Bank in regards to a debt they say that I owe. I never received any proof that I actually owe this debt after sending multiple letters requesting such proof, however, I did receive notification from a collection agency. ( direct recovery services ) I ended up paying a settlement to keep the collections agency from reporting to the credit bureaus. They stated that if I didnt pay, it would be reported negatively on my credit report. 

Now this company is saying that this debt was sent to another collection agency ( XXXX XXXX XXXX ), even though I paid the settlement amount with the other collection agency ( Direct Recovery Services ). 

I have included proof of payment for this account.
Product: Credit reporting or other personal consumer reports

FCRA section XXXX state unauthorized by law any company need permission to report anything on my credit report. In my up load I left the law on there this my final attempt to correct these companies and Im opting out of arbitration also
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX 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 - 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 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

On XX/XX/2022 my car was repossessed and I made a payment of {$2800.00} to get my car back. On XX/XX/2022 a chargeback was filed for the transaction with my bank ( XXXX  ) without my permission and then the chargeback was denied the next day. The loan company, American Credit Acceptance, still shows on my account that the payment was reversed and they are now threatening to take my car away. I never received the funds back and neither has the bank. I have spoken to both American Credit Acceptance and XXXX countless times and neither of them state that they have the funds.
Product: Checking or savings account

Chase denied my claim! There whole fraud operation team is just over seas XXXX workers! They dont understand the scams that happening in the XXXX XXXX They denied my claim- XXXX if I am not refunded for this I will be opening the biggest lawsuit you have ever seen.
Product: Credit reporting or other personal consumer reports

I received my credit report and found out that someone opened a credit account number XXXX with XXXX XXXX  online using my name, date of birth and social security number. 
I didn't open this account and don't have anything to do with it. I called XXXX XXXX  and filed a complain on XX/XX/2024 at XXXXXXXX XXXX. They closed the account but it has a balance of {$4200.00} This damaged my credit score a lot and I also filed a complain with the 3 credit companies. 
I received the result from XXXX as follows : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. '' I placed a freeze initiated a fraud on my account. I also filed a police report with XXXX Police Department and filled a claim on www.identitytheft.gov
Product: Credit card or prepaid card

One company located at XXXX XXXX XXXX, XXXX, CT XXXX, ( I believe to be XXXX XXXX or XXXX XXXX in reality ) using Square Merchant account services, used fictional company names to charge my credit card account, switching names of XXXX XXXX XXXX, XXXX XXXX and.I called Square, they created a case but never actually paid me back for the fraudulent amounts XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
I reported to square my credit card ending in XXXX was charged the above and I was told they would escalate it, by square agent name XXXX  on XX/XX/20 by phone and email. Im owed over XXXX and neither the fraudulent merchant nor I have it. please its a lot of money and Im out of work with the pandemic, please help me. sincere XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was the victim of an wire fraud scam during the closing on my families new home. An scammer had spoofed the email of an employee of the XXXX XXXX ( XXXX XXXX XXXX ) and informed me that I needed to wire my closing funds for my new home due to CORONA with modified wiring instructions of the title co. 

I wired my funds to an Capital One. The Bank slipped up and informed me that the account was marked fraudulent and that all they would tell me. My bank XXXX has tried to get them the reverse the funds but they will not. 

I thought it was up to the bank to verify if their is any fraud involved when someone is try to open an account My News Story : XXXX XXXX   XXXX Scammers account info : Routing : XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( a natural person ) was issued a false debt and is steady being violated by Wells Fargo Auto Services. They sent me a letter which I uploaded with the alleged debt and many violations that they broke. I am the original creditor who provided debt and this company keeps harassing me about an alleged debt. 


Take further notice that I am the true creditor Pursuant to 15 U.S. Code 1692a ( 4 ) which clearly states that a creditor is any person who extends credit creating a debt therefore I am a consumer who created the debt via my extension of credit to WELLS FARGO AUTO.

WELLS FARGO AUTO shall also know that the term debt defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that it means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes.