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

XXXX XXXX - XXXX is not reporting my account to Equifax. This account not being included on my Equifax credit report is negatively impacting my credit scores. This error needs to be fixed. 

XXXX XXXX XXXX  - XXXX is not reporting my account to Equifax XXXX This account not being included on my Equifax credit report is negatively impacting my credit scores. This error needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a few accounts on my credit report back on XX/XX/XXXX. It has been nearly two full months and I have heard absolutely nothing from the credit bureaus. I understand that mail may be delayed a bit due to Covid, but it is nearly double the time they have to respond. I believe that they have no intention of responding to me and that is unacceptable.
Product: Debt collection

On XX/XX/XXXX I was continually being called on the telephone and harassed for a Student loan debt. 
I was a XXXX at XXXX XXXX. I have been unemployed for several months. I do not receive unemployment or any monthly compensation. On XX/XX/XXXX I responded to XXXX and XXXX XXXX XXXX   requesting to put my loans into no interest earning forbearance. Neither Company responded to my request and refused to contact me I contacted ACT concerning who is handling my loans. Instead I was sent a threatening Garnishment letter. According to the FCRA 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
Product: Credit reporting or other personal consumer reports

Im extremely upset I have been 100 % flawless with a car note for over XXXX yrs never missed a payment. Even during my XXXX XXXX and XXXX and XXXX never missed a payment, I was looking forward to my credit score to rise after the XXXX XXXX car was paid off, XXXX XXXX  put Account closed on my credit report! it should said Paid in full! 

Because of the status and notes they wrote i lost XXXX points off my credit report Please update where it say account paid in full i deserve the points i worked hard for and this showes as bad not Good, becuase they put Cosed when in should say paid in full Never late never had a issue paid weekly for XXXX yrs please dont treat me like that XXXX XXXX you guys hurt my score by XXXX points. it was for the XXXX XXXX XXXX that was my first loan with them. 

I called them and i was told to report them to XXXX that it should say paid in full not account closed. they said the only way to fix it is report to XXXX and credit burial
Product: Credit reporting, credit repair services, or other personal consumer reports

For my credit report with Experian, XXXX & XXXX on XX/XX/2021 my credit score dropped by 83, 85 and 81 points respectively. I have currently 2 open credit accounts ; one with XXXX XXXX XXXX  for an auto loan and one with XXXX XXXX XXXX for a credit card. I am in good standing with both lines of credit and have NEVER missed any payments. I have 10 closed accounts in which none of them have been closed recently. I have 3 credit inquiries with the most recent one being in XX/XX/2021. I additionally have no derogatory marks on my credit. My credit card balance as of XX/XX/2021 was {$1800.00} but I have since paid off that balance in full which is well before the due date of XX/XX/2021. As I mentioned before, I am in good standing with every lender and I have never been late or missed a payment of any kind. I believe this was an error by Experian, XXXX XXXX XXXX and my credit score should be returned to what it was in the previous credit report.
Product: Credit reporting or other personal consumer reports

Last year I've repeatedly sent in proof of my driver license that I never lived at the address their repeatedly reporting on my credit report. Not only they are refusing to remove it but they're keeping information that's not mine that my personal mail is going to another address putting my personal information at risk for fraudulent activity or stolen identity. Experian exposure to my personal is putting my personal life in danger. I request proof I live here or hold any accounts that's tide to this XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to address a matter concerning my account with Kikoff Lending LLC , Account Number XXXX, which is currently being inaccurately reported on my credit report. This discrepancy not only undermines my credit standing but also infringes upon my rights under the Fair Credit Reporting Act and the guidelines outlined in 15 U.S. Code 1681a regarding consumer reports.

As per 15 U.S. Code 1681a, a " consumer report '' encompasses any communication of information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used for various purposes, including but not limited to credit, insurance, and employment.

Given this definition, I am requesting that Kikoff Lending LLC take immediate action regarding the reported account. Specifically, I urge you to update the status of Account Number XXXX to reflect that it has been paid in full. 

The account in question was opened on XX/XX/2023, and has since been closed. Any outstanding balances associated with this account have been settled and resolved. However, the continued reporting of this account without acknowledging its paid status is not only inaccurate but also detrimental to my credit standing. It is imperative that my credit report accurately reflects the resolution of this account in order to prevent any unwarranted negative impact on my creditworthiness. 

I trust that Kikoff Lending LLC will address this matter promptly and in accordance with the provisions of the Fair Credit Reporting Act. Furthermore, I expect confirmation once the necessary actions have been taken to update the status of Account Number XXXX on my credit report. 

Should you require any additional documentation or information from my end to facilitate this process, please do not hesitate to reach out to me. 

Thank you for your attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer and ensures the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several account on my credit report that I have never done business with these companies. I have filed a police report and a CFPB Complaint as well yet the negative fraudulent accounts still appear on my credit file. Please delete / remove the following accounts XXXX XXXX XXXX # XXXX, XXXX/XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

It was directly sent to the Credit Bureaus even before notifying the Consumer and without providing any proof of debt validation. On top of all that, this debt is being re-reported with false information. There was absolutely no account opened on XX/XX/year> as per the Collection Company details.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am filing a formal complaint regarding the inaccurate reporting of an account on my credit report, which I am requesting be removed entirely. The account in question is a XXXX  account, where I was listed as an authorized user. Below are the account details : Account Name : XXXX  Account Number : [ If available, you can include the last XXXX digits of the account number here ] Reported Balance : {$5200.00} Last Reported Date : XX/XX/XXXX Credit Limit : {$2100.00} Opened : XX/XX/XXXX Account Closed : XX/XX/XXXX The issue at hand is that this account was reported as closed with a balance of {$5200.00} on XX/XX/XXXX, despite my role as an authorized user and not the primary account holder. Furthermore, the dispute resolved status showing " subscriber disagrees '' is entirely inaccurate. As an authorized user, I do not hold responsibility for the balance, and the statement is misleading. 

I request the immediate removal of this account from my credit report. The account has been inaccurately reported, and its inclusion is harmful to my XXXX XXXX and financial well-being. 

Legal Basis for Request : Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( a ), furnishers of credit information are required to provide accurate and complete information to credit reporting agencies. The current reporting of this account violates the FCRA in the following ways : Inaccurate Reporting : The account was reported as a closed account with an outstanding balance. As an authorized user, I have no legal responsibility for the balance, and this should be reflected in the reporting. 

Dispute Status : The " subscriber disagrees '' status is inaccurate and misleading. This indicates a dispute that I did not initiate or resolve, which is a violation of the FCRA 's requirement for accurate information. 

Failure to Correct Information : The FCRA mandates that credit reporting agencies and furnishers correct any inaccuracies in a timely manner. The failure to accurately report the account as authorized user status rather than primary account holder is a violation of this obligation. 

Due to these violations, I am requesting that this entire account be removed from my credit report. The incorrect reporting of this account has caused significant harm to my credit and financial standing. 

Potential Legal Action : Should this matter not be resolved in a timely manner, I will consider pursuing legal action for damages under the Fair Credit Reporting Act ( FCRA ), as I have suffered harm due to inaccurate reporting. Under the FCRA, I am entitled to seek compensatory damages, including actual damages, statutory damages, and punitive damages for the failure to accurately report my credit information. 

I will also explore the option of engaging an attorney who specializes in consumer protection law and credit reporting disputes. A law firm such as The Law Offices of XXXX XXXX XXXX, which specializes in credit report disputes, FCRA violations, and consumer protection, can assist with this matter and pursue appropriate legal remedies if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt Collector Communications Concerning Identity Theft Section 615 ( g ) ; 15 U.S.C. 1681m ( g ) Section 615 ( g ) has specific requirements for persons, such as financial institutions, that act as debt collectors, whereby they collect debts on behalf of a third party that is a creditor or other user of a consumer report. The requirements do not apply when a person is collecting its own loans. When a person is notified that any information relating to a debt that it is attempting to collect may be fraudulent or may be the result of identity theft, the person must notify the third party of this fact. In addition, if the consumer, to whom the debt purportedly relates, requests information about the transaction, the person must provide all of the information the consumer would otherwise be entitled to if the consumer wished to dispute the debt under other provisions of law applicable to the person.
Product: Credit reporting or other personal consumer reports

Hello, I tried to dispute this online. Im unable to do with Equifax. This information is too old to be on my credit report. XXXX XXXX and XXXX deleted it. Please delete it thank you. Im unable to dispute through the portal.
Product: Debt collection

I had 5 items in medical collections. I called to settle a pay in full and was promised a letter would be sent to me advising the collections were taken care of 3-5 business days. I have yet to receive the letter and when I call, I am now been told that it can take 30+ days for them to issue the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance : {$38000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Mortgage

Received an initial loan estimate with {$850.00} lender credits. A subsequent loan estimate was provided with only {$750.00}. I inquired why the credit was reduced was told it was property type. Asked it the original {$850.00} could be reinstituted. Representative XXXX XXXX said via email " That shouldn't be an issue, I will get that adjusted today. '' When I inquired about the {$850.00} on a third loan estimate I'm being told no, sorry, can not adjust the lender credit to {$850.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$870.00} written off. {$870.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$870.00} Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$7400.00} Date OpenedXXXX  Dispute XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$8800.00} written off. 
Account TypeNote Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeUnsecured Balance {$0.00} Date OpenedXXXX Dispute Item Reasons Additional Comments XXXX  # XXXX I have no knowledge of this account XXXX  # XXXX I have no knowledge of this account 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is not mine XXXX Account : XXXX The following account is not mine XXXX Account XXXX Please remove from my credit report I disputed collections and still showing on my report please assist.
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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 XXXX 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: Debt collection

I found a collection account on my credit report from the company ERC as of XX/XX/XXXX. I do not have any debt to this company. I disputed through credit bureau unsuccessfully on XX/XX/XXXX. I do not know why I am getting charge this for {$1900.00}. I didn't not receive any notice nor do I have any proof provide to me that this is a valid debt. now this is jeopardizing my credit.
Product: Debt collection

Hello ACIMA CREDIT FKA SIMPLE ; How are you and happy new year to you and the family! I need your help here! 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card

I called Target today to share that i was given less than a XXXXXXXX XXXX notice to vacate my home of 4 years. I live with my XXXX  parents and my daughter. 
I will be unable to pay XXXX due to unforeseen moving costs, downpayment, rent. And my mother is seeing a surgeon tomorrow to schedule an incisional hernia repair. 
I stated i do not want to destroy my credit since i need it in good standing to rent. 
They will not help with lowering monthly costs nor intetest fees. I have paid over {$1100.00} this year and have been charged {$810.00} in just interests. This account has been closed since last year dye to fraud to which they did not really resolve. 
Please help. Attached some proof. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I called into Macy 's DSNB to advise that I would be unable to make payments on my account due to Covid 19. I was told by the representative that they currently did not have a covid 19 plan in place but there would be notes on my account notating that I was affected by a natural disaster and requesting deferment. I asked if in the event that I was note able to make a payment would there be any negative reporting to the credit bureaus and she said no. She noted that I would receive a letter confirming my request for deferment due to natural disaster. I never received said letter. On XX/XX/2020 I received a notice from XXXX  that this Macy 's DSNB account was reporting 30 days late. I immediately called to see why the account was reporting delinquent even though the prior agent advised me that there would be no negative reporting to the credit bureaus. The agent with whom I spoke on XX/XX/XXXX advised me that at the time of my original call that Macy 's did not have a COVID19 plan in place and that said plan was not in place until XX/XX/XXXX. She did place me on their COVID19 deferment plan. When I advised her of the negative reporting to the credit bureaus she told me that she would report the dispute to Macy 's credit reporting department at XXXX and that they would be giving me a call the following week to confirm that they will be removing the 30 day late notice on the account. I have yet to receive a call so I called back to the Macy 's  main credit card servicing line at XXXX to follow up on XX/XX/2020. The new agent with whom I spoke told me that the agents in that dept would not be back to work until XX/XX/XXXX. So I am really getting conflicting information as to who to call and with whom to follow up and on how to get a resolution on the negative reporting of which I was originally told would not occur due to the economic COVID 19 pandemic
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : 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 XXXXXX/XX/XXXX Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted
Product: Payday loan, title loan, personal loan, or advance loan

Add the end of XX/XX/year> I sent in a payoff check for account XXXX. 

XXXX failed to credit the account and report the item as paid. 

I sent it with XXXX and it arrived weeks ago. I called and provided them with the check number and tracking numbers.