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

XXXX and XXXX removed a debt collection from XXXX XXXX With XXXX XXXX XXXX that was not mine. On Equifax the debt collection was not removed and has adversely affected my score. This debt does not belong to me and I have never had insurance with XXXX XXXX. 

Please contact XXXX XXXX XXXX and fix this, because it has affected me getting a loan for a truck. 

Here is XXXX contact info : XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX ) XXXX Toll-Free
Product: Credit reporting, credit repair services, or other personal consumer reports

At the time Equifax was hacked, they allowed my personal information to be taken. I have put a 90 day watch on my accounts with all three credit reporting agencies. I now have to monitor my credit reports on a weekly basis. I have been in contact with Equifax and I have a conformation number. I now have to sit back and wait to see what happens. It 's now going to be a pain just to open a new credit card or anything else. I 'm sure its just a matter of time before my accounts start getting hit.
Product: Credit reporting or other personal consumer reports

Ive noticed unauthorized charges on my credit Report as I am a victim of fraud so someone had to apply for something in my name. I sent several dispute letters to XXXX, Equifax and XXXX asking to have these inaccuracies removed. This has been a long process and I want them removed. All three companies continue to report these inaccuracies on my credit report and its hurting any chances of business opportunities. 
XXXX : Report Number XXXX And Ive uploaded photos from Equifax and XXXX XXXX to show that these changes have not been made. They remain there on my credit report after numerous attempts and letters sent out asking for removal of these fraud charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no acknowledgment of this account that is showing a negative impact on my credit.
Product: Debt collection

Capital One Credit is reporting a balance that was XXXX in a chapter XXXX bankruptcy.
Product: Debt collection

It has now been ( 90 ) days that National Credit Systems has not furnished a contract bearing my signature, in order to bind me to an alleged debt that they claimed to verify but have not sent me ANY of the documentation I asked for, nor that I am entitled to under the Fair Debt Collection Practices Act. They are in violation of this act for NOT verifying this debt reported on my credit nor furnishing me with a contract bearing my signature binding me to this debt for more than ( 90 ) days. This account should be deleted firstly from my credit report and immediately afterwards from their system entirely. These are false, misleading and inaccurate actions that is unfair to me enjoying the benefits and privileges of fair credit reporting and should be deleted expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Corelogic and XXXX are working in conjunction with one another reporting false, inaccurate, fraudalent, " time barred '' information and they refuse to accept responsibility and ignore all requests to delete this information that is affecting to secure a home. 

I spoke with a XXXX on XX/XX/XXXX with Corelogic who informed me they do not remove inquiries, but she would dispute the other information. She noted two Supervisors, a XXXX or XXXX would call me to discuss further as there is nothing else that can be done and they do not remove inquiries as per these Supervisors. Once again, these companies are reporting information that is not factual or correct, not to mention illegally reporting information. I completed all due diligence and the facts are attached hereto to make these companies adhere to the Law. They continue to claim and as per XXXX at Corelogic stated they receive their info from XXXX and XXXX, where in fact, both companies deny such information being transmitted to them. XXXX and XXXX has denied and proven they are not reporting any of the information XXXX XXXX and XXXX is providing to creditors. In my further review and investigation, I found XXXX XXXX, Corelogoc and their client is reporting false, fraudulent information under three ( 3 ) different company names, XXXX XXXX XXXX, XXXX and XXXX XXXX for the same property address and filing with the courts three different cases for the same case. I have attached my original lease agreement with XXXX XXXX XXXX and not the other companies they claim I had a lease, as well as court documents/records pulled from the XXXX XXXX XXXX XXXX : XXXX? XXXX on XX/XX/XXXX and again on XX/XX/XXXX. Both documents clearly show a timeline from XX/XX/XXXX XX/XX/XXXX where clearly the Summary Eviction was DENIED. XXXX XXXX and Corelogic is showing a JUDGMENT as of present day XX/XX/XXXX, and nowhere on any of the court documents/records state a JUDGMENT. Not only is XXXX XXXX and Corelogic refusing to delete/remove these inaccuracies as well as stop reporting fraudulent information that they claim they are receiving from their client XXXX and XXXX but also from the Justice Courts, are violating my rights as a Consumer as well as violating all ethical and fair practices of the FCRA. Clearly the facts are in front of you, and this company continues to disregard the law not to mention disregards any ethical practices by making me the consumer suffer and not be able to secure housing.
Product: Debt collection

XXXX   XXXX   is saying I owe them {$830.00}. They sent this to Equifax and Equifax put it on my credit report from   XX/XX/XXXX .  Then they sent it to DIFFERENT ( I think its called  XXXX  ) collection agency and they put it on my report AGAIN. I disputed both of these. First dispute number is  XXXX , says it is closed with no change to my report. Equifax never mailed me anything. Second dispute number is  XXXX , this was just disputed a few weeks ago because I noticed it was from a different collection agency and opened in    XX/XX/XXXX .   I need something in writing, documents that I owe   XXXX   XXXX  , something, anything that Equifax has saying I owe it, and from all these opened dates, otherwise it needs to come off my report. It is hurting my credit. They can not keep turning it over to different collection agencies and then they report it as a new account ( j ust opened ) to k eep the 7 years starting all over again, this is against the law. I have had  XXXX  for the past  XXXX  years and still have  XXXX  and can prove it thru them.     Thank You,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX  , CO  XXXX   XXXX   Social :   XXXX  I ALSO MAILED YOU AND EQUIFAX A LETTER
Product: Mortgage

I bought a house XX/XX/2015 and had my mortgage through LSI. Through out the process so many concerns and problems happened. My first concern was that they sent me XXXX different closing disclosures with XXXX different interest rates and closing cost. We did not close on time bc they were not ready. I had to pay the mortgage of the house I was buying for a month to keep the contract as we didnt close on time. At time of closing apparently the title company did not receive all needed information and they also left out information required in their documents to the title company. Their was personal heartache involved as my mother was literally given 3 weeks to live during this and I was in another city with her ; I flew back on the originally close date to find out when I landed that we could not close that day- they knew the day before and still had me come and I missed 3 days with my mom bc of it! 
So these are my complaints, let me know if you can do anything.
Product: Student loan

I was sent a letter dated XX/XX/year> from the US Department of Education stating that my student loans were eligible for a full discharge and that I did not have to make any more payments. The letter also stated it will take the Dept. of Education some time to process the discharge but the loans would be placed in a forbearance and all collections would stop. 

Well this did not occur. I have contacted my servicer, Navient, numerous times and even provided a copy of this letter multiple times. Each time I was told that the letter and information has to come from the Department of Education and they have not received this information. I have contacted the Department of Education multiple times and each time i am being told it is being worked on. This has been going on since i received the letter in XXXX of XXXX. 

I would like for the loans to be discharged as stated in the letter. While the discharge is occurring I would like for Navient to stop try to collect payments, and i would like all negative credit reporting removed from my Credit Report.
Product: Credit reporting or other personal consumer reports

I have 14 inquires on my credit report that are not mine : 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 card or prepaid card

CAPITAL ONE CREDIT CARDS, CABELLAS HAS TRIED UNSUCCESSFULLY, AND ILLEGALLY, BY MANY VIEWS, TO COLLECT, IN FULL, AN OWED BALANCE, THAT THIS CONSUMER, HAS PROVEN FRAUDULENT, USING US PUBLIC LEGAL SERVICES, US POLICE AGENCY REPORTING, AS WELL AS LEGAL DISPUTE PROCEDURES, AND INSTRUCTIONS, FOR RESTORING GOOD CREDIT, BY THE 3 THREE, NATIONAL CREDIT BUREAUS. THE LAST ATTEMPT TO COLLECT, AFTER, THE REPORTING BUREAUS, BY LAW REMOVED FROM THIS CONSUMERS CREDIT REPORT, THE ILLEGAL DEBT, CAME FROM CAPITAL ONE 'S RETAINED COLLECTION AGENCY, XXXX XXXX XXXXXXXX XX/XX/2022. THIS CONSUMER INFORMED THIS COLLECTION AGENT XXXXXXXX XXXX XXXX  VIA RECORDED LINE, AND WAS INTENTIONALLY, DECEIVED, VIA PHONE LINE, BY A LIVE AGENT MISPRONOUNCING THE LEGAL " CEASE AND DESIST ORDER '' THE AGENT SAYING A " SEEDEE ORDER '' AND WAS TRANSFERRED TO A COLLECTIONS AGENT. I ADVISED THE AGENT THAT THIS COLLECTION ATTEMPT VIOLATED STATE AND FEDERAL LAW, AND THE FCA FAIR CREDIT REPORTING ACT AND ENDED THE CONVERSATION CORDIALLY AND ASSERTIVELY, THE AGENT RESPONDED DEFENSIVELY, THAT SHE HERSELF DID NOT VIOLATE THESE LAWS, THINKING INCORRECTLY, THAT SHE HERSELF WAS LIABLE AND CULPULABLE FOR THIS CRIME. MIDLAND CREDIT RESPONDED IN WRITING THAT THEY ARE CONSIDERING, AND THREATENING A CIVIL ACTION, AGAINST THIS CONSUMER, THE WRITER OF THIS REPORT. I RECEIVED A WRITTEN NOTICE OF INTENT TO SEEK CIVIL ACTION ACCOUNT NUMBER XXXX XX/XX/2022, SINGNED " XXXX XXXX '' DIVISION MANAGER OF XXXX XXXX XXXX, REPRESENTING CAPITAL ONE XXXX XXXX FROM XXXX XXXX XXXX  ADDRESS, US XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX. PLEASE ASSIST. THANK YOU FOR YOUR SERVICE TO THE UNITED STATES.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX, FL, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Subject : Dispute of Inaccurate Late Payment Report Metro 2 Compliance Dear XXXX XXXX, I am writing to formally dispute the accuracy of late payments reported on my credit file under the Metro 2 format. Please review the following account for compliance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards for accuracy and completeness : Account Name : XXXX XXXX  Account Number : XXXX Reported Late Payment Date ( s ) : XX/XX/year> Reason for Dispute : [ Briefly explain why the late payment is inaccurate. Example : " The late payment reported on [ date ] is inaccurate as I made the payment on time. Attached is proof of the timely payment. '' ] Request for Investigation : In accordance with the FCRA, I request an investigation into this matter and ask that any inaccuracies be corrected or removed promptly. The Metro 2 format mandates that reported data is complete, accurate, and reflective of the consumer 's payment history.

Supporting Documentation : I have enclosed the following documents to support my dispute : [ Bank statement showing timely payment ] [ Copy of account statement ] [ Any correspondence with the creditor regarding this matter ] Desired Resolution : Please investigate and correct this error, removing the late payment from my credit file if it is found to be inaccurate. Additionally, I request written confirmation of the actions taken.

Thank you for your prompt attention to this matter. I look forward to resolving this dispute and maintaining the accuracy of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received an email from Halsted Financial services that I owed XXXX XXXX So I went ahead and gave them a call on the same date at XXXXXXXX XXXX and I was able to get ahold of a representative named XXXX. I told him before I can acknowledge this Debt I need to verify it first, XXXX then told me he could not provide me with that information and didnt have it. All he told me is he could provide me with is what I supposedly owed and that his company was working through another debt collection agency. I feel as though this is a violation of the FDCPA. He could not validate that I even owed any debt.
Product: Credit reporting or other personal consumer reports

To whom it may concern I have these closed accounts with XXXX XXXX. XXXX XXXX Closed on XX/XX/XXXX and XXXX XXXX Closed on XX/XX/XXXX. XXXX agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to transunion, XXXX and XXXX or any other credit reporting agency.
Product: Vehicle loan or lease

They call me all day, send me texts all day. Have been very disrespectful and rude to me about making a payment. Charging me for auto pay at XXXX. If I dont make the payment right when they open they call and text all most every hour on the hour. Calling and texting back to back over 7 times a day
Product: Payday loan, title loan, personal loan, or advance loan

For the last 3 months I have called to make my payments on the last day of the month during posted business hours. First when I call, I am told their system is down. After I persist, I have been told their system is closed and payments wouldnt be posted until the next day. I have countered with the fact that I am making this payment during their posted business hours. I was told that they can close out their day prior to close of business. I explained that was not legal or correct. Their response has been it wont be posted until the next day. 

I made my XXXX payment on XX/XX/2023 at XXXX for {$130.00}. I made my XXXX payment on XX/XX/2023 at XXXX for {$130.00} I would like to know why am I being told my payments would be posted on another day when the payments have been made during posted business hours. 

I now show a delinquent mark on my credit report for the XXXX payment. This is unacceptable.
Product: Money transfer, virtual currency, or money service

Hello, This is XXXX. I have an account with Remitly with the user id - XXXX. On XX/XX/2020, there were two fraudulent transactions for XXXX $ and XXXX $ to a person named XXXX XXXX. Though I have used Remitly earlier, I have used to send it to my own account in XXXX. This recipient was new. I have not added it. I do not know this person and this was a fraud transaction. I reached out to the customer service via chat. I was expecting a resolution. However, now I see that my Remitly account is blocked. They said that the fraud department will reach out to me but to this date it has not happened. And, I tried to reach out XXXX  XXXX XXXX from where the money was deducted and they too are not able to help. During these COVID times, I lost my job and this was the money in my account for meeting the needs of my family. Please I beg you to help me. 

I can prove that it is a fraud transaction. On XX/XX/2020, I received XXXX spam messages on the XXXX that was used in Remitly and XXXX  XXXX XXXX accounts. It was to hide the fact that money was sent from my account. I am the victim here. Please help me. 


Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry from XXXX XXXX on my XXXX credit report that I did not authorize. I have tried to call and get the issue resolved, but I keep getting a voicemail and no one is calling me back. The email I could find is invalid. So through calling and email I can not reach anyone. I did not give permission for this company to obtain my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, my name is  XXXX   XXXX  and it is regarding a  XXXX  account number  XXXX  my agreement with them was to remove the account or the negatives from my records, after the payment was complete, ( trustworthy me, did not get any written agreement from the company, just verbal ) therefore, now after payment they are not removing the negatives from my credit reporting agencies.   please followup this matter and report to credit bureaus to remove the negatives ( lates ) from my credit reporting agencies  ) .   thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not updated my report as requested. XXXX XXXX XXXX is still reporting me as high balance and owing money, when I paid this account in full, was never late. They are continuously breaking Federal Law. This needs to stop. This is affecting me and my family. I can not get any credit or do anything to since my report is being high jacked by these tyrants. Please do the right thing and make these guys get it right. At this point and time I will be seeking legal counsel. For I have tried to resolve this 4 times now and have no results what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accounts with all for the credit bureaus for the accounts reporting with XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and Chase are not mine, I have sent this info to each creditor along with the credit bureaus directly by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never repined any replies from any of the companies, but XXXX  and XXXX  have replied back, but the investigations are not completed accurately. I have sent over request to have the results of the investigation forwarded to me.,
Product: Debt collection

I noticed a decrease in my XXXX credit score on XX/XX/XXXX. It stated that I owed IC Systems {$100.00}. There was very little information about the debt and I was not even aware of owing anyone. I pay my bills on time. I disputed this debt through XXXX and it was removed the next day. Then the same debt popped up on my XXXX XXXX report on XX/XX/XXXX. I filed another dispute but this time the company stated the debt is accurate. I tried to file a dispute on ICSystems website but I need an account number. However, that was never provided because I was never notified directly that the debt even existed. I do not believe it is mine.
Product: Credit reporting or other personal consumer reports

In reference to XXXX XXXX XXXX, Account XXXX I have sent in numerous disputes to Equifax about an old account reporting incorrect information on my credit report. Each time Equifax comes back telling me that the information has been verified. Last week, I filed another dispute about the XXXX XXXX XXXX  account. They are reporting 8 late payments that are completely wrong. Within less than 48 hours, Equifax came back saying the investigation has been completed and is closed. They state that the creditor verifies that all information is being reported correctly, even thought the report shows it is not. The creditor is verifying that this account is NOT closed. 
The credit report itself is showing that this account was PAID and CLOSED on XX/XX/XXXX. However, there are late payments that have shown up out of no where for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The report is also showing that the date of last payment was XX/XX/XXXX and the date of 1st delinquency as XX/XX/XXXX. The report is also showing another area as date the account was closed as XX/XX/XXXX. And the " additional information '' on the report is showing " closed or paid account/zero balance '' and " account closed by credit grantor ''. 
So ... .how is this being verified by the creditor as being reported correctly and that they are reporting this account has not been closed???? 

Equifax agent saw the disrceptencies and put in for further investigation- and it STILL came back as verified. 

There is NO WAY this is correct! And it is hurting my credit profile.
Product: Debt collection

In early XXXX, I contracted with XXXX  to send a package. The charge for this service was {$210.00}, per XXXX  invoice # XXXX, with a date of XX/XX/XXXX. 

XXXX NEVER delivered the package to the recipient, so I disputed the charge it made to my XXXX card, and I received credit for it. 

In XXXX, XXXX, XXXX told me it would close my XXXX  account unless I paid the {$210.00}. To keep my account open, I capitulated. I paid the amount on XX/XX/XXXX by my XXXX card. Attached in the .pdf file is not only proof from XXXX that I paid that amount, but an email from XXXX acknowledging that I paid that amount and referencing the invoice number ( page two of the XXXX email ). 

Despite the XX/XX/XXXX payment, XXXX again in XX/XX/XXXX told me they would close my XXXX  account unless I paid that invoice. I called XXXX, and spoke to a male representative who called me a liar when I told him the invoice had been paid and I was looking at proof of that payment on my computer screen. He took my XXXX card number, but rather than confirming payment, he charged me the same amount again! He insisted this additional charge was proper, simply because XXXX had put a new invoice number on the old bill, and insinuated that XXXX could continue to put new invoice numbers on old bills and collect repeated payments. 

I disputed that second, fraudulent charge with XXXX, and received credit for it. 

Despite all of the above, XXXX referred the PAID {$210.00} debt on invoice # XXXX to debt collection. See the letter from Transworld Systems Inc., specifically referring to that invoice number, and the XX/XX/XXXX invoice date, corresponding exactly with the XXXX  Invoice History ( though for inexplicable reasons, the amount differs a bit ) and the email from XXXX confirming payment of that invoice in the invoice amount. 

I contacted Transworld Systems on XX/XX/XXXX and provided them with this information, and they indicated they would resolve the matter, but whether they do or not remains to be seen. Regardless, XXXX XXXX actions are beyond inept. They are reprehensible, if not outright fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracies on my credit report regarding the account with XXXX. Despite my consistent efforts to resolve this issue since XX/XX/2023, I have not seen any progress. 

The account in question currently shows XXXX late payments. However, I have never missed a payment on this account. In the past, this account was updated to reflect all payments as on-time, but it was later changed back to show late payments, which is inaccurate. 

I kindly request an immediate review and correction of this account. The ongoing misreporting and inconsistent updates appear discriminatory and unjust, negatively impacting my credit profile. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution.