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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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, credit repair services, or other personal consumer reports

Filed a verbal and written dispute of remaining balance on file which was minute in the amount of {$230.00} company advised they were not attempting to collect on this amount as it was documented to be disputed with no payment due on the amount until resolved Then 13 days later they start calling seeking payment we go through it all over again this is during the Covid pandemic the rep transfers me to two different supervisors advised account was enrolled as additional precaution while being investigated into covid assistance in which the minimum payment was reset to {$0.00} due for two consecutive billing periods I also paid the account in full on XXXX XX/XX/2020 they still pursued those charges despite the ongoing dispute despite the covid clearly documented on file and confirmed several times then they reported adversely to CRAs for XXXX and XXXX 2020 For months it was showing past due months after it was paid causing irreparable financial harm Ive been a customer for years never once 30 days late not both the balance and minimum were the lowest in years and they refuse to take ownership of their violated agreements on multiple
Product: Credit reporting or other personal consumer reports

There is again multiple inquiries on my credit report that I did not authorize. Some are duplicate from the same company and on the same date.
Product: Payday loan, title loan, or personal loan

GreenSky provided a loan for XXXX XXXX to perform medical procedures which were performed on joints that can not be fixed. I have contacted GreenSky several times about my issues with QC and their unfair and illegal sales tactics. GreenSky refused to help and violated my rights as a consumer to dispute the charges and said if I dont pay they will ruin my credit. The interest rates are higher than advertised and are all front loaded. There have been many complaints against GreenSky and taking advantage of vulnerable situations. GreenSky has not answered a single message or email as I have emailed them 4 times since XXXX.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to see accounts that shouldnt be there. I dont understand how this happened, especially since I keep a close watch on my report. Thinking it might be a glitch, I refreshed the page, but the inaccuracies didnt go away. Im begging for the documents I provided to be thoroughly reviewed so I can stop living with this constant stress.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

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 Credit Bureau but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED/STOLEN XXXX AND REPORTED TO LAW ENFORCEMENT. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 
I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian an told them There are in incorrect inquiries on my credit report And that it need to be taken off my report an they said it can't be fix Incorrect inquiries listed XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXrXX/XX/XXXX
Product: Debt collection

I have been charged with owing money because someone used a credit card issued at XXXX XXXX through XXXX in the amount of more than {$3400.00}. This was from 2017. I have not had an account with XXXX since the XXXX and have never had an account with XXXX XXXX. I have contacted XXXX and XXXX XXXX, and both have no information about me, but the debt remains on my record. Neither XXXX XXXX nor XXXX is able to do anything else to resolve this issue since they are not able to find me in their system. My ID protection adviser through XXXX has asked me to file this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a FICO score for several years now that ranges between XXXX - XXXX. These are the scores provided by XXXX, XXXX, XXXX, XXXX, XXXX and until just recently, Experian. On XXXX my Experian score was XXXX, on XXXX I was notified by email that my Experian score had dropped XXXX points to XXXX. A XXXX p [ oint drop is significant. I went on line and checked all of my usual sources for my FICO scores and they were all in the XXXX. 

On XXXX I contacted Experian ( via phone ) to inquirer as to why only they had significantly reduced my FICO score. I was informed that they could not provide a reason for the FICO score change but said that they would send me a complte credit report for my review. On XXXX I received and throughly reviewed the Experian credit report. There were absolutely ZERO negatives and conversely, there were all positive comments regarding my credit history. 

On XXXX I contacted Experian again regarding the credit report data that was provided to me. They again, stated that there was nothing that they could do in terms of providing support/insights into the drop of XXXX points in my FICO score. XXXX, I subsequently checked all XXXX of the other primary sources for my FICO score and found that none of them had changed from the XXXX - XXXX range that was reported back on XXXX. 

In my view, Experian has seriously impacted my FICO score but is totally unwilling to provide any basis for the negative change. I find it very difficult to understand how a credit rating company can be afforded the responsibility to manage an individual 's credit score without in turn being held accountable for their actions in that regatrd
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and I have attempted to have fraudulent information disputed with XXXX, XXXX, and Transunion from my credit reports. I have a repossession on my credit with XXXX XXXX XXXX. I have never owned a vehicle with this company. I currently have an FTC Affidavit as well as police report validating my identity theft claim and even still these creditors have not removed this fraudulent account. 

According to The Fair Credit Reporting Act, section 605B requires consumer reporting agencies to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent in that information.

At this time the FCRA law is being broken and I need further assistance with my fraud dispute claim. I have been contacting the bureaus since XXXX of this year and received no assistance nor have they ever provided proof or validation of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked to XXXX  today, they said I could not dispute my hard inquiries. They advised me to speak with the lenders. I would like to dispute my unauthorized.
Product: Credit reporting or other personal consumer reports

I checked my credit and saw that i had new hard inquiries on my credit report. Dates are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not do this and want them removed. I did an dispute but was not removed. I told the companies that it wasnt me and they said there wasnt anything they could do.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged incorrect reporting activity but I have some ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this issue in a previous letter and report, & I am including it again here with a new FTC report # XXXX. Ive informed my attorney of my intentions & they are excited to hold you accountable in an event of your willful noncompliance : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XX/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 XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD 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 MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an alleged incorrect reporting activity. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Product: Payday loan, title loan, personal loan, or advance loan

This company makes it impossible to pay the agreed upon amount within the XXXX  days because they pull out different amounts, charge fees, say you have NSF when there are funds available. Their phone numbers don't work half the time, their app freezes, fails to load, or just shuts down in the middle of trying to pay. If you call you may get hung up on, options don't go to anyone, you get someone that barely speaks English who can't explain things, or you get told incorrect/conflicting info. 

I spoke to a supposed supervisor named XXXX a few days before the XXXX  day period and tried to make a final payment but he didn't even know how much I owed. Somehow it was $ XXXX owed even though I had been paying more than {$15.00} weekly on a chair that was a floor model that was supposed to be {$370.00}. 

They make it impossible to pay them the lower XXXX because of fraudulent and deceptive practices. 

If you go to the XXXX, XXXX, XXXX, etc you will see many many many complained of this same nature and they have been sued for these practices. 

They even lied recently about me verbally authorizing {$54.00} to come out of my account which I did not. They took XXXX out and started they had me recorded giving the authorization, but they had to return my money because none of that was true. This shows deceptive practices.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX has violated my rights XXXX OF ED/XXXX Account Number : XXXX has violated my rights DEPT OF EDXXXX Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account XXXX : XXXX has violated my rights DEPT OF ED/XXXX Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account Number : XXXX has violated my rights 15 U.S.C 1681 Section 602A I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions
Product: Debt collection

J. P. Morgan ( Chase ) failed to provide me with a notice of debt. Within five days after the initial communication with me in connection to collect any alleged debt. I sent J. P. Morgan ( Chase ) a Debt Validation Letter on XX/XX/XXXX. I did not receive any communication from J. P. Morgan ( Chase ) confirming my alleged debt of {$8400.00}. Nor did I receive notice of right to dispute from J. P. Morgan ( Chase ). I have asked J. P. Morgan ( Chase ) to bring forth any original contracts bearing my original signature and they have not been able to do so. On. XX/XX/XXXX, J. P. Morgan ( Chase ) closed the account without my consent. When I called J. P. Morgan ( Chase ) to ask why the account was closed they forced me to join their in-house collections program for five-years to pay off the alleged debt. I also did not give J. P. Morgan ( Chase ) consent to communicate with third parties in the collection of debt nor did I give JP Morgan permission to share my information with XXXX, XXXX  and XXXX  on this alleged debt. This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. I am demanding that you remove these alleged transactions from my report immediately as they are violation of my rights as a federally protected consumer under title 15 chapter 41. J. P. Morgan ( Chase ) has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Product: Debt collection

I reached out to Speedy cash directly and to the credit beaurus to verify that this debt was mines. I attached one of the letters. I didn't receive EVERYTHING that I requested in the letter verifying that this debt is mines.
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. 
XXXXXXXX XXXX XXXX Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

It appears my monthly mortgage payments are applied to another account, ( we both have the same credit union and the same mortgage company ) not all of my 16 monthly payments, not all of my added principal, not all of my paid late fees have all been applied to my account. I can not confirm that my loan actually exists. The first time i phoned the customer service 800-line,  the operator said my loan " does not exist ''. The last time i logged on to their website, the screen froze for over 30-minutes. Then they sent me a bogus mortgage payment history. Cashiers checks mailed certified mail, and or XXXX XXXX overnight mail confirmation receipts appear to be fake. ( I see one signature, the the post office employee gives me a receipt with a different signature ). One lump sum cashiers check I endorsed in XX/XX/2019 to include my property address along with my signature, the bank stamped covering over my property address. leaving the entire bottom portion that is designated for bank use only blank. I asked my credit union, they said it's okay. In XX/XX/2019 the post office claimed to have mailed my mortgage payment to the wrong state, I had to replace and resend that payment while that lost payment containing all of my banking details was never located. Each time I speak with the customer service person at the loan office, I get different balances, different payment history. I finally got one customer service person to send me a payment history, just to find out that the money amounts quoted in that document do not come close to the total amount of Cashiers checks and electronic payments I have paid to date. Before I have electronic payments taken from my salary monthly, I need to confirm that my payments are being deducted from my balance. Not being split with another account, not being completely redirected to another account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1991 SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute and seek your valuable assistance regarding a matter that has had a significant impact on my life. I believe that the following creditors, XXXX XXXX and XXXX have violated the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692f.

I demand that the CFPB enforce the legal provisions to ensure that these creditors adhere to the stipulations laid out by the FDCPA and remedy the adverse effects that their actions have had on my financial well-being.

XXXX XXXX  Account Number : XXXX  The cred
itorXXXX XXXX XXXX has violated 15 USC 1692f of the FDCPA, which explicitly forbids the use of false, deceptive, or misleading representation or means in connection with the collection of debts. I have experienced firsthand the distress that arises from such violations. The emotional turmoil caused by these unfair practices can not be understated. The stress has affected my sleep, my daily life, and even my ability to provide for my family. 

XXXX  Account Number : XXXX Similarly, XXXX has transgressed 15 USC 1692f of the FDCPA by employing false, deceptive, or misleading means to collect a debt. The emotional toll of receiving such communications, characterized by misleading information, has taken a significant toll on my emotional well-being. These actions have shattered my trust in creditors and have cast a dark cloud over my financial future.

These violations have affected me deeply, causing not only emotional distress but also impairing my financial stability. The constant worry of these unverified accounts tarnishing my credit report has left me feeling helpless and overwhelmed. I am concerned that these violations may have lasting repercussions on my ability to secure housing, employment, and other crucial aspects of life.

In light of the aforementioned violations, I kindly request the following actions : Enforce the legal provisions outlined in 15 USC 1692f against XXXX XXXX and XXXX  to ensure that they cease the use of false, deceptive, or misleading representation or means in their debt collection practices.

Urge the creditors to remove these unverified accounts from my credit report, thereby rectifying the damage that these violations have caused to my financial reputation. 
Provide me with updates on the progress of this dispute and any actions taken to address these violations. 
I implore the CFPB to stand as a beacon of hope for consumers who are subjected to such distressing violations. Your intervention and assistance in this matter will not only rectify the wrongs I have suffered but also set a precedent for responsible and ethical debt collection practices. 

Thank you for your attention to this matter. I eagerly await your response and resolution of these pressing concerns. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I had a loan with santander and they refuse to remove late payments even though they lost a lawsuit against their predatory practices and not disclosing their internal credit scores.. the loan is paid off
Product: Credit reporting or other personal consumer reports

In XXXX  & XXXX  I had XXXX XXXX  XXXX  3 times the Dr kept telling me I needed them to fix it however he needed to charge my insurance {$20000.00} XXXX X leaving me with XXXX copays of {$1300.00} when he told me I needed a XXXX I told him its a scam & I would not pay any more even though I have been making payments each visit ( the original collection dates ). I have had my credit reports pulled with this not showing up. But in XXXX I see that Merchants & medical corp reported that amount 2 times. When I contacted them in XX/XX/XXXX explaining the situation they sent me the drs. billing sheet showing XXXX 7 years ago. Today I called them to ask them to remove this explaining the situation I was told that they received the information on XXXX XXXX. I find that hard to believe since the Dr. was receiving payments in XXXX & XXXX that they waited 5 years to report this to collections I feel that XXXX is manipulating the date & information to be able to continue to report a 7-year-old debt. Please investigate this collection problem. They did clear the XXXX amount which was 7 years but did not follow the same rules to the XXXX XXXX claims doesn't make sense
Product: Debt collection

my mortgage company just called me and said XXXX XXXX put a lien on my house on XX/XX/XXXX never knew about no correspondsents about any credit card payment or court it was filed on XX/XX/XXXX why did this take so long and then i applied for a XXXX  XXXX 4 months ago and got one i called XXXX  XXXX and was told by them they never put judgements or liens on peoples home now i have a lien and it will take longer for me to get a reverse mortgage because i was told of the so after 12 yrs i find out about no i should not have to pay XXXX for a card i never even used credit that high something has to done for people who are on XXXX  have to suffer for something i knew nothing about