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

I started the dispute process on XX/XX/2020 sending a total of 6 letters to Equifax about every 35-40 days. There is a closed collection item on my credit report from an apartment complex ( XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ) that is reporting inaccurate information. Equifax has repeatedly stated the item has been verified as accurate from the furnisher. I have a notice from the company stating this. So around XXXX I reached out to the furnisher and asked them for all of the information pertaining to the account, per their request. What I received differs in more than one aspect on Equifax credit report. They have been reporting multiple things incorrectly including the balance. I sent Equifax proof of this information and they have done nothing. Well, they did update the balance 60-90 days after they said it was verified as accurate. And once they updated it, it was still wrong. On top of that I never received a notice of them updating my credit report. It was just updated on report without notice. I feel my rights are being violated. They said they verified it as accurate then realized it wasn't correct and instead of removing the inaccurate data they updated it and it was still incorrect. Is this Fraud? I've kept track of everything and can send all of my letters, proof of receipts and all of their responses as well. I have copy of my credit reports for each month since XX/XX/2020 where I can show theyve made updates after stating they verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Transunion, has not ceased in their action to report factual information on my credit report. 
XXXX XXXX and Transunion, said accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX, were all accurate. A complaint was filed in XXXX XXXX for removal of late fees With XXXX XXXX and Transunion. These Agencies are not following FCRA Laws under Section USC15 1681A 2 ( e ) However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
XXXX XXXX and Transunion, has stated that according to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX The late fees on my Credit report is correct. According to FCRA Consumer reporting agencies should not report factual information. These must be removed immediately!
Product: Mortgage

On Friday XX/XX/XXXX at about XXXX I received a call from a representaive with Select Portfolio Servicing and I was told they are not and will not change the modification or payment arrangement so that it will be affordable for me to pay. I feel this is UNFAIR TREATMENT because of the color of my skin and my gender and the defaultness of the account. I have always tried to work with this collection agency but hey will not cooperate unless bankruptcy is filed to mess up my credit. I just want to be treated fair. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan thats discharge and its still showing up on my credit report saying i owe XXXX and was late .The school close down and my loan was discharge with oweing no money XXXX XXXX XXXX XXXX not fair its bringing my score down badily
Product: Bank account or service

I bank with Wells Fargo Bank , N.A . and have their Team Member Checking product as a checking account. I opted out of debit and credit transactions when opening it, so that prevents them honoring a charge with the VISA card attached to my account if the funds are not available, it will be declined. It was explained to me in the past that this does not apply to automatic, scheduled monthly payments to my account that use my routing and account number. 

I signed up for an XXXX XXXX trial that ended yesterday, XX/XX/XXXX. I logged on to XXXX today and strangely, the banner read that the {$99.00} for XXXX would be charged in XX/XX/XXXX. I cancelled it, then I got a message saying that it " would be refunded '' to me. I also thought that was strange. 

I logged into my Wells Fargo checking account and I saw it was overdrawn, and that I had a {$99.00} charge from XXXX. Which was incredulous to me per what the banner told me! What 's more, it is not a monthly charge, and XXXX charged the VISA attached to my checking account, and since I opted it the transaction should have declined anyway. 

Since I have been educated numerous times on this with Wells Fargo in regards to how it works with scheduled payments that use routing and account numbers, there was no need to complain with them, they are simply trying to get over and abuse me with fees, this is why I opted out, so moments like these do n't happen. That transaction was to decline, XXXX did not use my routing and account number, and it was not a monthly, scheduled payment anyway.
Product: Debt collection

I have spent 2 years monitoring my credit so one day we can buy a house. I get a letter from XXXX XXXX???? Who fraudently says I have an unpaid account with XXXX XXXX XXXX XXXX whatever that is. Woman was rude when I tried to clear this up. Totally bogus and says they won't give me original creditor unless I contact them in writing!! Call themselves XXXX in another section. Ridiculous!
Product: Debt collection

Good day, I have disputed Hunter Warfield account since XXXX XXXX and this account still is not resolved. The creditor is a third party for XXXX XXXX XXXX saying I owe {$2800.00} for damages when in fact they are normal wear and tear. This account still have not been properly verified and they are not able to provide an itemized list of the damages that they are saying I am responsible for. It is causing me so much stress and I am trying to rent out another apartment for me and my family.
Product: Credit reporting or other personal consumer reports

Im bothered by the fact that your company sent me an updated letter stating you had verified this previously deleted inaccurate account. Why are you ignoring my request to remove this previously deleted account when you clearly violated the law when you added it back on to my credit report without notifying me? 

Creditor : XXXX XXXX  Account : XXXX Reason : Account does not belong to me, leads me to believe this is related to an identity theft case I was recently involved with Instruction : Delete inaccurate information and account Because of this, I have filed complaints with the following agencies : FTC XXXX XXXX attorney general, and attorney general in your state, Consumer Financial Protection Bureau . I will be filing more complaints with the Justice Department, Office of Comptroller of Currency, Consumer Action, XXXX XXXX XXXX XXXX, Division of Credit Practices, and Advocates for Fair Credit Reporting. 

The FTC also allows consumers to bring lawsuits against the credit bureaus for violating the FCRA. Please remove the account. If you choose not to act, I will have no choice but to file more complaints and seek legal advice from an FCRA attorney. Attached is also a copy of police report
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below are the accounts that are reporting on my Credit Report : CREDIT COLL ( Original Creditor : XXXX ) XXXX-Balance {$290.00} CREDIT COLL ( Original Creditor : XXXX ) XXXX-Balance {$72.00} CREDIT COLL ( Original Creditor : XXXX ) XXXX-Balance {$220.00} CREDIT COLL ( Original Creditor : XXXX ) -XXXX-Balance {$86.00} CREDIT COLL ( Original Creditor : XXXX ) XXXX {$670.00} CREDIT COLL ( Original Creditor : XXXX ) XXXX-Balance {$1100.00} CREDIT COLL ( Original Creditor XXXX XXXX ) XXXX-Balance {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit score on XX/XX/2018 through my XXXX XXXX XXXX. My score was XXXX. 
On XX/XX/2018, when I looked again my credit score was XXXX. 
I called XXXX XXXX and asked for an explanation. They could only tell my to contact you. 
I want to know how and why this happened. 
What causes a score to drop 28 points in less then 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; 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 ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXXE XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Navient removed from my XXXX and XXXX credit report. Since earlier this year on each dispute it comes as being verified. I never asked for the validity of the account. What i have been asking for is the original consumer contract with my signature on it. Per the FCRA 609 rule if they could not provide that information then the account needed to be deleted. Not to mention this loan was issued on XX/XX/XXXX the school which is XXXX XXXX XXXX XXXX closed in XX/XX/XXXX also per the law any debt over 7 years old should be deleted from the credit report. I want Navient to remove both loans from my XX/XX/XXXX and XX/XX/XXXX Credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

It started with me getting bills from different credit cards with my maiden name XXXX XXXX being used. I closed the said accounts but then I got a colllections notice for a XXXX XXXX XXXX that Im delinquent on a loan/ bill for over {$12000.00}. Ive not used my maiden name since XX/XX/2005. Ive lived with my husband so I have proof that I have no apartment. Im getting a police report. Ive always paid all my bills on time. This is beyond concerning that after having great credit no one contacted me. I have XXXX XXXX from here on out. Please help me try to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XX/XX/XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I have been having issues with Companies trying to garnish my wages for someone else information appearing on my credit report. Please remove the following addresses they are not mine!! 
XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Checking or savings account

I have, been banking with pnc for a couple years and I been have issues since the past year of them being XXXX  taking money from me denying me my disputes and not talking them seriously I also applied for a business loan with a cosigner who been with them for years they approved us and when they saw my ID they denied it and brought up some XXXX  reason I have had bank tellers at XXXX XXXX  in XXXX fl out there hands in my face yell at me and more I have been treated with no respect and they also called other banks for me to not get approved anywhere else if I am the creditor code 15 usc 1602 isn't this against the law also banks are required by law 12 usc 1431 to provide the loan I had all the right info
Product: Credit reporting or other personal consumer reports

I sent a request to update my personal information removing old names and addresses that no longer belong to me. They no longer apply as they are not me and I don't live at all these places nor have all the numbers listed. It is my right to have on my report what I have authorized, and I want that information removed. I put in the request to the credit bureau to remove it and I was told the names and addresses, and old phone numbers do not affect my credit score. And my request was totally ignored. I don't care that it doesn't affect my score I ask for them to remove it and they failed to honor my request.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 my 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 to be updated.

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. Never Sent the periodic statement along with the disc
losures 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 1002 and It was never provided.

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

Update the late payments from my consumer reports
Product: Debt collection

In accordance with the fair credit Reporting act Sunrise Credit Services Group, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was unable to set me up in their system so I could pay my bill. They sent me this email confirming this : XXXX XXXX The digital escalation team at XXXX XXXX has received your case ID # XXXX. 


Your case is part of a larger issue that will take more time to correct. Our tech teams are working to fix the problem, and we'll reach out to you as soon as any updates are made. 

Thank you for your patience in the meantime, and should you need any additional assistance, feel free to contact us at XXXX. 

Sincerely, XXXX XXXX  Digital Escalations Team
Product: Credit card

On XXXX all of our financial accounts were hacked! Our XXXX XXXX where they tried to steal money throw XXXX. My XXXX account where {$390.00} was sent from my account to the thief! No relief. They went into our XXXX account and charged 2 {$100.00} XXXXXXXX XXXX XXXX  XXXX refused to reimburse & so has XXXX XXXX. They used my Chase Visa card to buy 2 {$100.00} XXXX XXXX XXXX & redeemed them. Chase refuses to cover those! This complain is against JPMorgan Chase. Ive been a cardholder there XXXX years spent XXXX XXXX XXXX XXXX of XXXX with them over the years and they just said! Tough luck!
Product: Debt collection

XXXX placed emergency room services on my credit report, however on XX/XX/2016 I reached out to XXXX regarding the payment they accepted from my insurance also the company they reported the invalid debt to. XXXX claimed they never sent anything to the credit collection company because the claim was paid well within the timefram after services were rendered ( timely filing, and payment was collected ). I sent this company the EOB as requested from the XXXX showing XXXX was paid and they were just lying about not placing the debt in their office. This company sent me a letter in the mail stating the debt has been validated. At this point I will contact my insurance company to have all claims paid to XXXX reversed due to the integrity of this establishment they have placed the whole debt on my credit for all services in full, however they gladly cashed a insurance check which is also fraudulent who did they take my insurance payment for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with inaccurate information appearing on my credit report. please delete the following addresses below that are not mine : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXX The following numbers do not belong to me please delete the they are not accurate : ( 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

Company : Syncb/aevisa ( Bank ) XX/XX/2021 XXXX XXXX ( Automotive ) XX/XX/2021 XXXX  ( Finance ) XX/XX/2021 I asked them if I could get an estimate on how much the price of the vehicle would be if my credit is around XXXX. They gave me an estimate of the car but I didnt even know that they did a hard inquiry on my credit until now. I never gave them permission to check my hard credit score and they never told me that they would be checking my hard credit score because if they did I would of asked them not to. The whole time I was lead to believe that they generated a good price on what the vehicle might cost using the FICO score provided by my bank XXXX XXXX and other information I gave to them. All the other banks and finance companies they used I have no information about and would like to take them off as well.
Product: Credit reporting or other personal consumer reports

I sent a certified letter to Equifax that was picked up from a postal facility at XXXX XXXX on XX/XX/2024. Within the letter, which I've also filed with the CFPB as a complaint with Equifax, I told them of two hard inquiries which were unauthorized by me. The first, XXXX XXXX on XX/XX/2024, and the second, XXXX XXXX XXXX  XXXX on XX/XX/2024. I am attaching a copy of an Identity Theft Report to this complaint, as well as a copy of my passport and a copy of a bill showing my name and current mailing address. Please remove these hard inquiries immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- is reporting the wrong name on my report, I have sent out several certified letters ( for them to investigate and mail me back findings. I not received any response nor have they removed this information. They are reporting a name that is not mine and I have never had account open in this name. They also reporting unauthorized inquiries on my report which i asked to investigate but they referred me to dispute with CFPB. I also want an investigate on collection and mail back findings. 

XXXX keeps reporting a medical debt in collection that I asked to be investigated and is under {$500.00} which from my understand medical debt can not be reported under {$500.00}. Investigate investigate all unauthorized inquiries and investigate collection and mail back findings. 

Transunion- investigate all unauthorized inquiries and nvestigate on collection and mail back findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts and credit inquiries are listed on my XXXX XXXX and Trans Union credit report, are all fraudulent and unauthorized : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DC, XXXX, XXXX, XXXX, XXXX Card, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, i never applied for credit or accounts with any of the creditors listed above.
Product: Debt collection

I received a text message without providing consent from Wakefield and associates. They advised me that they are collecting a debt from XXXX XXXX XXXX XXXX. i have no idea who this is. They told me that they are XXXX XXXX XXXX XXXX. I am requesting a full itemized bill for this supposed debt that I owe. I had/have medical insurance. When i placed a complaint for Wakefield and associates on this website, they provided a one page bill dated this month WHICH I NEVER RECEIVED, which is supposed to validate the debt? How is that even possible? An itemized bill is needed to validate this debt I supposedly owe. Who is XXXX XXXX XXXX XXXX and what is their relation to this matter. I have no idea who they are.