23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Wakefield & Associate Collection Agency back in XX/XX/XXXX, reported to all 3 major Credit Reporting Agencies, medical debts from XXXX 's & early XXXX 's, that I was oblivious too. Because of the New Fcra Rule, that omit any medical bills from reporting on a consumer credit report, and a consumer unaware of any medical debts, has ignored this fcra rule violation twice. They recently, reported to XXXX, XXXX XXXX XXXX. Here 's the case information from XX/XX/XXXX. XXXXFBP Case regarding Wakefield & Associate Collection Agency XXXX. Reporting Unknown, old medical bills. Here 's the response from Wakefield and Associates on XX/XX/XXXX XXXX Company responded STATUS responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for giving us the opportunity to respond to XXXX XXXX XXXX complaint. After investigating these accounts, Wakefield and Associates, LLC has decided to close and return these accounts to our clients. A credit deletion request was sent to the credit reporting agencies. XXXX XXXX XXXX will receive no further communication from us regarding this matter. We encourage XXXX XXXX XXXX to contact us directly if additional information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep challenging the same accounts every month regarding the status, account information, and missed payments plus charge off information errors on accounts. I keep seeing nothing has been done or the information comes back as accurate or verified when no proof has been sent to me. This has been going on every month for 2 years with all the 3 credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not update my XXXX XXXX and XXXX XXXX account to show XXXX XXXX  instead they will hang up and not fix the issue
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exits. ( please remove this account before I seek litigation for defamation of character )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been receiving several calls from this number for several months. The calls are random and have to consistency. They sent me a letter in XXXX with an account number and their phone number. They claim to be a debt collection agency through XXXX XXXX. They called me today, XXXX XX/XX/2018 asking for payment of the debt. I told them I'm disputing the claim and they are to contact XXXX about the debt. I told them they sounded fraudulent and they said I can call XXXX myself and talk about the authenticity. I did such, and they are not associated with that phone number. I did have a debt with them, which I paid through XXXX personally.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continueS to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Transunion on XX/XX/2022, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 


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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am XXXX XXXX XXXX and I have send letter and wrote each credit company and also keep putting the fraud account since my husband death. I dont know where to do LVNV funding # XXXX XXXX XXXX XXXXXXXX XXXX XXXX account never had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I tried a credit repair didnt do anything I can not afford I never lived in New York for some kind cable I dont want to file bankruptcy at all if these people dont listen
Product: Money transfer, virtual currency, or money service

Friday on XX/XX/2019 at around XXXX I was scammed by someone claiming to sell tickets. I've never been scammed before so this came as a shock. I transferred {$80.00} through XXXX with XXXX and then the person committing fraud blocked me and I never received my item. I called my bank ( Chase ) as soon as it happened and they told me they will not refund the money or even dispute it. XXXX will not even talk to me because the money was transferred through my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is not a duplicate complaint. the other one was for XX/XX/XXXXnot XXXX. XX/XX/XXXX and transunion they that they have information on my credit report of XXXX as past due {$60.00} 60 days and owe {$1100.00} when that was reported as fraud and XXXX fraud dept said removed that and then XX/XX/2020 find out they are reporting past due on my credit report. want the past due 60 days {$60.00} taken off right away and put the account to {$0.00} balance due. 
i tried to get this removed since it was fraud by fair act 604 but credit report company wont remove it so i want it fixed so its not past due. i will take this to court matters if this is not fixed and sue XXXX and the credit reporting companies XX/XX/XXXX and transunion that put this on my report for destroying my credit as it has ruined my credit in the last year with them putting this XXXX on my credit report as being 60 days late and i lost credit cards and got denied loans because of them putting this on my report as 60 days late when it was fraud. remove the {$60.00} and 60 days late off to fix this problem on my credit report so i can get a loan. i had perfect credit never late on none of my bills until XXXX destroyed my credit. Hackers have stolen data from thousands of XXXX customers in the US, the bank has confirmed. The breach exposed the names of customers, account numbers and contact information
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts showing on credit file Have been disputed with equifax but yet not removed. Equifax and creditors have failed to be able to prove proof of ownership of list of creditors. None of the on file information matches my information but yet fail to be removed. The following accounts need to be removed from file XXXX XXXX acct # XXXX XXXX XXXX XXXX act # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX act # XXXX XXXX XXXX XXXXXXXX bank act # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX act # XXXX XXXX XXXX  act # XXXX All of above accounts are not mine. These accounts have failed to provide proof of ownership. These must be removed from my file
Product: Credit reporting, credit repair services, or other personal consumer reports

I made all my truck payment on time since XX/XX/2017. That's when I took out the Loan never Missed I payment till XXXX. I had a death in the Family and could not make the Payment by the due date. I contacted credit acceptance and told the money was not in my checking account for the XXXX XXXX payment. The payment was due on the XX/XX/XXXX but since I had auto payment the payment was moved to the XX/XX/XXXX. I made a double payment on the XX/XX/XXXX, Then on the XX/XX/XXXXcredit acceptance took out of my checking account another Payment for XXXX which is the XXXX payment so if they take the auto payment out on the XX/XX/XXXX of Month for the last 17 Months why would my payment be 30 Days Late if I made the payment on XX/XX/XXXX That is 30 days and they can not call it late till the XX/XX/XXXX.
Product: Checking or savings account

Chase Bank Terminated my Checking Account and CHASE says i can 100 % never Bank with Chase again violates Americans With Disabilities Act 15 Years like no Problems with CHASE then Chase Support transfers me to Fraud Department fore 100 % no reason because everything 's working 100 % Good then Fraud could not verify me and lock me out of my Account 10 times fore 100 % no reason and spend 70 Hours on the Phone with Chase Support give XXXX Help //////////////////////////////////////////// XXXX XXXX banks and my other banks are all deny my ACH Transfers /////// Chase bank maliciously Lock me out my Accounts 10 times fore 100 % no reason CHASE wreck my Banking fore the next 10 years endless Problems then CHASE Terminate the Accounts /////// XXXX Credit Score there 100 % no reason a bank should suspect me of Fraud
Product: Money transfer, virtual currency, or money service

{$200.00} and {$300.00} were sent on XX/XX/XXXX. Scammer said they wanted to buy a product I had listed, said I needed to have a business application, then that there was an overpayment. During all this I was receiving edited emails from Zelle that the scammer had edited but failed to edit the amounts and my name. Kept trying to get me to send more money saying once they received it then Zelle would deposit all the money I had sent along with the price of the item. Opened a police case, case with the bank and contacted Zelle. Zelle basically said they couldnt do anything about it b/c they were authorized yet the scammer has since deleted their Zelle account XXXX I was notified by my bank of the decision and that they would be reversing back out the XXXX amounts from my account. I have also opened a case with the general attorney office. Zelle has also said that the restriction on my account cant be lifted even though they placed the restriction on my account. Zelle knew exactly what scam I was talking about, but their policy is that they arent responsible for anything basically. I dont know how any banks can be promoting Zelle and they dont have your back on anything and nothing to prevent fraud or scam from happening.
Product: Consumer Loan

East West bank asked me to be a guarantor for my husband 's business credit line because I have a house under my name and I did. When the loan was renewed for the following years, an East West Bank officer forged my signature as a guarantor. My husband 's business filed chapter XXXX and East West Bank sued me to get my house. After my deposition with East west bank 's council, they realized the fact that I was not the one who signed the loan docs. They are willing to drop my name from the complaint but not willing to reimburse me for my attorney fees to prove that they were wrong, and on top of that they are also demanding I pay their attorney fees for this matter as well. Please look into this. Not only did they forge my signature but they also violated Equal Credit Opportunity Act. When contacted by CFPB, they sent a response with untrue statements. They never dismissed their attorney fees and lied about me never requesting reimbursement for my attorney fees to defend myself against their frivolous suit. Their response also talks about the situation that has nothing to do with me, but rather my husband. The home is under my name, not my husband 's. That is the reason they illegally tried to go after me in order to seize my home since my husband has no assets. Totally illegal. This bank needs to lose their banking license. I am sure this is not the first time they have done this to other innocent, unsuspecting consumers.
Product: Credit reporting or other personal consumer reports

I received an email from Capital One Credit card company on XX/XX/XXXX stating that I could check my approval for XXXX of their credit cards with no impact to my credit score.

I have been working really hard to improve my credit score, I pay higher home and auto insurance due to a poor credit score rating. I am unable to be approved to a HELOC loan due to my credit score.

Therefore, I do not allow any company to do a credit check on me because I can not afford to have any Hard inquiries because it will result in my credit score dropping. 

The email dated XX/XX/XXXX has big bold letters stating " See what card offers you might be pre approved for with no impact to your credit score ''.

I was lead to believe by Capital One 's email that there would be no impact to my credit score if I checked my pre approval. Once I gave approval, my credit score dropped by XXXX points. This drop affected my credit rating, my credit went from good back to poor. 

Capital One states in the letter received on XX/XX/XXXX, that there are XXXX types of credit inquiries. No where in the first email dated XX/XX/XXXX does it state that they ( Capital One ) would be doing a hard inquiry. 
Doing a hard inquiry is put in small print somewhere in the disclosure. 

I believe that this practice is 'Deceptive ''. The fact that a hard inquiry which will affect my credit rating should be upfront and big and bold as " Check your pre approval with no impact to your credit ''.

If Capital One is going to do a hard inquiry, that information should be in large print.

I should not have to go searching the email for disclosures that would cause a negative impact to my credit rating.

This deceptive practice should be illegal and Capital One should be held responsible.

Capital One is praying on vulnerable people such as myself.

My pursuit to getting a good credit rating has been sabotaged by Capital One. 
I need my XXXX points back, or I would like to be compensated financially. 

Capital One knows that a hard inquiry has to be conducted to approval someone for a credit card, I don't! Again, that should be stated big and bold in the same email and just as large print as " with no impact to your credit score ''. 


I need my XXXX points back or I should be compensated finically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. Today I noticed Fraudulent Hard Inquiries on my credit report, that I never applied for. Frauds applied to banks in order to get loans or something.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person.

Therefore, my position is being clearly stated, hard inquiries that listed below do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.

The list of Fraudulent Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I hope for your kind understanding and quick consideration. Thank you! 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

after carefully reviewing my credit report i have notice the accounts listed below are not mine i do not owe debt or have a contract with these companies law 15 u.s.c 1681 5-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i would like these accounts removed from my credit report asap which is hurting my ability to obtain credit & purchase a home
Product: Mortgage

After I asked for a forbearance the mortgage company offered three months, not six. Then began many confused and erroneous communications. First they said I was late on the payment after confirmed for forbearance, then they retracted that. Then I was told I needed to pay escrow and then that was retracted. Finally the forbearance seems to be real but almost entirely useless because the entire amount is due at the end of three months. 

The point of contact has intermittently replied and then ignored me for many days. 

I was told that after the three months, I would have to pay all three months of forbearance in one lump payment. This is a useless and not acceptable solution. 

My understanding is that the CARES act informs mortgage servicers to behave differently. 

When on Friday XX/XX/XXXX, after being on hold for 1.5 hours, I finally got to speak to someone about these concerns, the man on the phone told me that the forbearance payment being due at the end of three months was not negotiable. When I asked why, he said the investors had not approved a deferment. When I asked what I could do about this situation ( I asked this question in at least three different ways ) he told me that I could make a payment. This was the solution offered. I have never paid late and have excellent credit. I own a XXXX XXXX XXXX XXXX XXXX and my family lives on the money this business generates. As everyone knows, all public events are cancelled and therefore my income is XXXX. There was no effort by the mortgage to take any of this into account. 

I have read the latest CARES act rules and this is an affront to both myself and the law.
Product: Credit card or prepaid card

I have been trying to have TJMAXX Remove the Incorrect late they are reporting the all 3 credit bureaus for my XX/XX/XXXX and XX/XX/XXXX payment. They did recieve payment through automatic bill pay on time. They said there is nothing they can do that I have to go to bureaus to fix it. I am in the process of buying a home and this is holding up the process.
Product: Credit reporting or other personal consumer reports

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

It has been drawn out that Experian and XXXX Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/2022 since then the account has been repeatedly updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history this inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The dispute I opened up with Experian with XXXX  XXXX was denied. They did not close the account, and it did not get removed from my credit report. I never opened up a XXXX XXXX account, and I have never had an account with XXXX XXXX. I do not want that account, and its hurting my credit. I need it removed
Product: Debt collection

On XX/XX/XXXX and XXXX, XXXX, I contacted XXXX XXXX to disconnect my internet service while I was out of the country using their official XXXX ( XXXX XXXX XXXX XXXX  They did not have their own chat service. They did not disconnect my service and kept charging me and adding other fees ( I think ). They subsequently turned the alleged debt ( because they should have disconnected, could have disconnected, and did not ) to Credence Resource Management, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX. I sent a letter demanding information about the debt, etc. on XXXX XX/XX/XXXX. They did not respond. I believe XXXX did not provide all the necessary information ( e.g., I asked them to disconnect while I was away ) to Credence, but because Credence will not respond to letters requesting verification, I am not sure. 

Please do all you can do censure XXXX and Credence, and insist they amend my credit reports.