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

None of these accounts belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Credco after disputing 2 inquires. Credco stated I gave verbal authorization through a mortgage transaction which was false. So i contacted Credco.about 2 inquires showed up on my credit report with out my authorization. XX/XX/XXXX and another XXXX. Credco told me it was XXXX XXXX XXXX  and i should contact them. XXXX told me it was XXXX XXXX XXXX. XXXX XXXX XXXX told me it was XXXX XXXX XXXX. I contacted XXXX customer service as instructed. I was then told by customer service that they have no ideal what to do about it.
Product: Mortgage

I entered into a repayment agreement with Franklin Credit Management Corp about XX/XX/XXXX. Which I agreed to send the company a lump sum payment of {$8000.00} to be received by mid XXXX XXXX, to bring my delinquency current. After receipt of this lump sum payment, I was to resume regular monthly payments of {$270.00}. To honor this agreement I acquired a personal loan for the amount of the lump sum payment ( resulting in a monthly payment of {$230.00} ) and forwarded the payment to the mortgage company. Unfortunately, my lumpsum payment reached Franklin XXXX day past the payment deadline. Because the payment arrived XXXX day late, another {$4000.00} in fees was added to the original {$8000.00} requirement. The company accepted the {$8000.00}. And I agreed to a new monthly payment amount of {$540.00} for the following XXXX months to satisfy the {$4000.00} in new fees, and to bring my delinquency current. Unfortunately, COVID happened, which left me unable to maintain the $ XXXX  monthly payment. I explained the circumstance to the mortgage company, but they are unwilling to help find a resolution. As a result, an initial second mortgage monthly payment debt of {$270.00}. Resulted in a new payment of {$770.00} XXXX {$540.00} payment to Franklin plus {$230.00} payment for the personal loan ). Which leaves me in a worse financial position than i began. I was forced into making an irrational financial decision in a desperate attempt to save my home. I need help. I don't know what to do.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a debt I do not owe. This debt was for an XXXX XXXX which was returned shortly after I acquired it. This debt is also past the statute of limitations and it should not be owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  appliances is in violation of FCRA 15 USC 1681a ( 2 ) ( B ) and has furnished this information to a consumer reporting agency to hurt my character. 15 USC 1681a ( 2 ) ( B ) falls under the exclusions section, exclusions define what aren't supposed to be included in a consumer report. It reads ... any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; this account was allegedly extended and is not supposed to be included. XXXX XXXX is also in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) which is also under the exclusion section for what is to be excluded from consumer reports and it reads ... report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

Purchased a walk in tub in XX/XX/XXXX. In XXXX, XXXX, the heated back and hydrotherapy functions stopped working. I called for service. Between that date and XX/XX/XXXX, I called for three service calls. The final time was XX/XX/XXXX. I got no response and I sent a letter to XXXX XXXX notifying them that under the terms of the credit agreement I signed I would make no further payments until the tub was either fixed or replaced, preferably replaced. On XX/XX/XXXX, a repairman came out for another service call. On XX/XX/XXXX, someone from XXXX called demanding I set up payments by phone to cover a missed payment from a year ago as well as my XXXX payment. He proceeded to tell me that I could not withhold payments due to dissatisfaction with my tub because this was not a credit card purchase ( unlike I had been told by several other people in discussions on the phone ) and that if I didn't make this payment and a half on XX/XX/XXXX it would go against my credit and go into collections. If I refused to make payments at all because I was " unhappy with my purchase '' and it went to 120 days out, XXXX and XXXX XXXX XXXX would sue me. I had signed a secured consumer contract and was responsible ( with my husband, who I am now divorced from ) for payment. He then went in and pulled a credit report and started reading off to me all my accounts and telling me that I was paid up on all of my other accounts, and he didn't see why- if I was current on everything else- I wasn't able to catch up and pay my XXXX bill current. He even went so far as to ask 1 ) If I couldn't ask my auto loan company to wait a month so I could use the money from that to pay XXXX and 2 ) Knowing that I am now divorced
Product: Debt collection

I received a bill from Action Collection Agency of XXXX in regards to a medical bill. I responded to their notice via letter and provided proof that I paid the facility directly for the services. I received another notice from them that did not answer any of my requests/questions in my first letter. I sent a second letter but did not receive another response in writing. Since that letter, I received numerous phone calls and voicemails from different numbers requesting me to call them ; the messages were all automated. I sent a third letter demanding them to not contact me via phone but to respond to my previous letters via writing with further proof. I have received further automated voicemails.
Product: Checking or savings account

What good are you people if you don't solve these problems? There are several complaints about the same problem on your site. XXXX was for {$96000.00} and another for {$87000.00}!!! 
Mercury XXXX closed my account and will not refund the funds in my account. The total amount withheld by Mercury from my account is {$900.00}. Email on that account was XXXX. Requested refund. 
Email from them on XX/XX/XXXX : " Your account has been closed due to a breach of our Terms of Service and/or your Deposit Account Agreement. As a result, funds associated with your account are being retained by Mercury. Please be assured that we will promptly notify you if there is any change in the circumstances surrounding this closure. We will be unable to share additional details about this decision with you. '' No other explanation. Sent several emails after that, no refund. 
Please let me know when they will be SHUT DOWN!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is obligated by the FCRA to report accurate accounting. Me the consumer has advised ALL the inquires reported as fraud. TRANSUNION has 4 days according to the LAW to remove such inquires. FTC fraud report was filed and is attatched to this dispute, I am requesting TRANSUNION to provide the documentation used to determine inquiry was indeed authorized by me the 'consumer '. TRANSUNION has to provide me with the name of the person spoken to, documentation used, signed application with consumer 'MY ' wet signature. If TRANSUNION does not have these documentations to show these were in fact authorized within 15 days I demand you delete this inquiry immiedately from my consumer report. I have attatched my drivers license for proof of identity so you can access my consumer file. I also have attatched the FCRA law along with my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX check my credit report and Equifax had delete my credit report and insert old accounts. Called them and they told me to call the company for my credit card and loans. Did that around XX/XX/XXXX everything was place back. XX/XX/XXXX all my accounts was there and Now XX/XX/XXXX everything is gone again now. I have called and spoke with manager supervisor and they cant tell me what happen to my credit file and stated I have to call the company. Which I don't think is right because I have call the company last month when this happen and they stayed they have report to them. I'm middle of buying a house and now I don't have no credit file for Equifax now
Product: Debt collection

HSBC refuses to communicate with XXXX XXXX XXXX concerning my closed account. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX.
Product: Debt collection

This company " XXXX XXXX Asset Solutions LLC '' or "  XXXX Asset Solutions LLC '' has been calling me for months trying to collect a debt from an estranged in-law that I don't even speak to and haven't spoken to in 8 years. When they first called and asked me if I know this individual I asked them who they were and they said a debt collection agency and I told them to not call my phone again. They continued to call and leave messages and I would block each number. I called them back and told the employee to take my number out of their system because I do not owe any debt and I don't know the person they're trying to contact. They called me back today from the number XXXX and told me to call them back at XXXX. 

I don't know if this is a scam or a legit company but they're harassing me. I do not owe them money. I have absolutely no debt and I'm not responsible for an estranged family members business.
Product: Debt collection

Tis is a fraudulent collection that was already resolved by CFPB and has been now sold to another collection agency. 
Same amount same everything just a different collection agency. 
It keeps on coming up every few month through a different collector. 
Will it ever end? It was never me I never had anything to do with XXXX. 
Thank you XXXX XXXX Account nameENHANCED RECOVERY Account XXXX Account typeCollection Responsibility Individual Date XXXX StatusCollection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updatedXXXX XXXXXXXX Balance {$1600.00} Balance updatedXXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$1600.00} Highest balance {$0.00} Terms XXXX XXXX  On record untilXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to inaccurate and negative accounts reported on my credit report. I have previously disputed these accounts directly with the credit reporting agencies, but they remain on my report despite lack of permissible purpose under 15 U.S.C. 1681b. Attached are my FTC Identity Theft Report and my dispute letter, which detail my concerns regarding unauthorized entries and violations of the Fair Credit Reporting Act.

The reported accounts have caused financial and personal hardship. I am requesting the CFPBs assistance in removing these inaccurate items to ensure compliance with the Fair Credit Reporting Act and to restore my credit to its accurate state.

This statement outlines the key details and references the documentation youre providing. Make sure to customize any specific details or add any further grievances specific to your case. Let me know if youd like any additional edits!
Product: Credit reporting or other personal consumer reports

The information needs to be deleted In the file of a consumer in an event that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! 
Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy In demanding an deletion of the account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}
Product: Credit reporting or other personal consumer reports

i recently review a copy of my credit report and notice i had fraudulent accounts on my report.Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Debt collection

On XXXX XXXX 2024 Portfolio Recovery. This a debt collection connected to a delinquent credit account from XXXX, reached out to my stepson in an attempted to collect the debt. Theres no way I would ever provide his number for contact in regards to anything financial. This resulted in my stepson contacting my wife and now well lets just say. I need to find a new place to live Please help. I think this was a blatant overstep in privacy and in result has caused a domino effect that has dramatically going to change my life. Credit has an a huge affect in the way of life financially. But this business over stepping the privacy laws needs to be addressed. I have a different account that they will no doubt try to reach out for, a larger amount and Im sure they have no regard for how it affects my family and myself. This is VERY CLEAR! Thanks for you time.
Product: Credit card

I am trying to update my address with Capital One to the USPS standard of XXXX XXXX XXXX XXXX, XXXX, WI XXXX, but they claim my new address in in XXXX which is incorrect and I do not want it reported to the credit agencies as such, but they will not correct their system issue
Product: Credit reporting or other personal consumer reports

So fast forwarding to today ( XX/XX/XXXX ) these 3 ILLEGAL accounts still remain on my XXXX, XXXX, and Experian bureaus. Not only are these accounts ILLEGAL, they have the nerve to keep reporting failed payments as of XX/XX/XXXX which keeps DRASTICALLY dropping my credit score. This is beyond illegal. Please remove these items off my credit report. I will not stop disputing! For someone to keep opening and reclosing and account on your credit bureau that is FRAUDULENT does a LOT of damage to your score. Please remove these items ASAP. The opening and reopening of fraudulent accounts, with added remarks is ridiculous. I am STILL going through a NIGHTMARE after these FRAUDULENT accounts were opened in my name and the creditor feels they can reopen anytime when its FRAUDULENT! They are reporting to my bureaus as LATE PAYMENTS on XX/XX/XXXX FOR THESE ACCOUNTS that were illegally opened without consent and the re-opening and closing of these accounts WITH UPDATING INFORMATION SAYING THAT PAYMENT IS LATE AS OF XX/XX/XXXX WHEN FOR THE LAST 120 DAYS I'VE DISPUTED AND TOLD YOU THESE ACCOUNTS ARE FRAUDLENT!!!! THE LAST 4 MONTHS I KEEP GOING THROUGH A NIGHTMARE. SHOULD NOT BE ABLE TO KEEP DOING THIS TO A CONSUMERS REPORT! ITS LIKE THEY DONT CARE. PLEASE REMOVE THESE ITEMS!! 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting these negative accounts on my credit report : 2. XXXX XXXX XXXX - Date Opened : XX/XX/2019 - Phone # XXXX - Balance {$3600.00} 3. XXXX  XXXX  - Account # XXXX XXXX - Phone # XXXX - Balance {$4700.00} 4. XXXX  XXXX  - Account # XXXX XXXX - Phone # XXXX - Balance {$820.00} I called each one of these companies and they did not recognize me in their database. I even have 3 open accounts with XXXX XXXX and 1 with XXXX XXXX. 
They also said there those accounts belong to another XXXX XXXX who has almost the same social security number than me, except for one digit, but he has the same name as I do. 

These discrepancies are only reported on Equifax. 

Also, Equifax reports an address in XXXX, XXXX  that does Not belong to be or ever has. I would not be surprised if it belongs to the other " XXXX XXXX '' with almost identical social security number than me.
Product: Mortgage

I have been struggling to keep up with my payments and had elected for bi-weekly payments to reduce the life of my loan and interest paid over time. After 3 years the principle has not moved much and I just investigated as to why. On XX/XX/21, XXXX ( employee id XXXX ) As it was just explained to me by a mortgage representative ; In a very sneaky and unethical manner, XXXX set up bi-weekly payments to " help '' customers, but does not apply the 1st payment until the second payment is received. I asked why they would even do this, to which I received a reply stating that " its our company policy ''. So they set customers up for bi-weekly payments, but don't apply the payments, thus rendering the entire exercise null and void. It is very deceptive, dis-honest and unethical. It seems that it should be illegal. Upon asking for a supervisor I was placed on hold and then told that I was not permitted to speak to one. Additionally as I asked for company information, ie, management names, she hung up on me.
Product: Credit reporting or other personal consumer reports

Please remove this record from my consumer report immediately. I will be filing an identity theft report against Experian for continually to unlawfully use my personal identifying information without my permission. I will also be reporting to the attorney general in your assigned state as well as the FTC for unlawful use of my consumer information for trading purposes on the XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX for the company. Your integrity is to the consumer you said you would uphold and protect. Finally, I will report Experian to the Federal Office of Ombudsman. This is my 3rd request. Also, I dispute the information being reported by XXXX. This company committed identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company IC system brought my debt from XXXX telling me that I have to pay them that I owe them money And they have put it on my credit report which is causing me and my family not to get a loan for a vehicle or Any personal loans I do not owe these people I've never seen any agreement with these people And it's against the law for someone to sell anybody my debt yet I want to put me in debt to cause my credit score to go down
Product: Debt collection

This account was not opened by me. I do n't know where is it comming from
Product: Debt collection

On XXXX XXXX, 2019 I settled my XXXX bill through The Receivables Performance Management , LLC. I received confirmation account was settled in full. Therefore, I sold my old XXXX phone and the buyer informed me XXXX is trying to collect additional funds in order to unlock the phone for use. I contact XXXX and gave the payment confirmation I received from The Receivables Performance Agency and they told me account is not settled and I need to pay {$270.00} to have phone unlocked. After spending 46 minutes on the phone with XXXX, they referred me to their collection agency XXXX XXXX XXXX at XXXX. XXXX informed me the collection agency can help me resolve matter and unlock phone. I called XXXX XXXX  and XXXX XXXX told me my account was settled in full with XXXX balance. I explained XXXX told me to call and get phone unlocked. XXXX said I need to pay {$270.00} in order to have phone unlocked. I asked XXXX why did XXXX have me contact their collection agency. XXXX said he does not know but in order to have phone unlocked I need to pay additional funds. I ended call with XXXX and called The Receivables Performance Management , LLC XXXX at XXXX EST. The collector stated yes account is settled in full but not to the extent XXXX would unlock phone. I asked her why didn't their settlement letter state that. I told her if I settle a car loan still had the car, the lender would send me the title. The collector stated that is not the case. I told her the agency misrepresented their settlement because no where on their letter stated what she told me. I informed her I was going to file a complaint and she stated OK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.