23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Beginning in XX/XX/2020 a Company named " Offices of Credit Management '' began calling my phone. They would not disclose what my " debt '' supposedly was. When I stopped answering their calls they began to leave this actual voicemail. They have left this voicemail several times now : " Our Bill matches your Social Security number, the moment you receive this message I need you to get back to me on my department division number XXXX XXXX XXXX XXXX, I repeat at XXXX XXXX XXXX XXXX. Now, if I don't hear a call from you we will have to issue an arrest warrant and get you arrested, so get back to me as soon as possible, thank you. '' They have called from these two numbers, yet they left the number above : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX When I called the numbers to ask about the " arrest '' a manager came to the phone and it was the same male voice that left the voicemails, except I could tell he ran his voice through a device that slightly altered it. I have perfect hearing and that is certified by my ear specialist, I instantly asked him why he left a voicemail like that via a device and that I could tell it was him. He grew hostile and denied ever leaving voicemails and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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 am writing to dispute an item on my credit report under the rights provided to me by the Fair Credit Reporting Act ( FCRA ), which allows me to dispute inaccurate, incomplete, or outdated information on my credit file. Upon reviewing my credit report, I have identified the following inaccurate information : Balance : {$820.00} Date Opened : XX/XX/year>. this
Product: Credit reporting or other personal consumer reports

XX/XX/year> Unable to create a new account, update my password on existing account, to reach a live agent for assistance
Product: Mortgage

I have a loan with WELLS FARGO HOME MOR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and WELLS FARGO HOME MOR with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part. I was never 90 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I unable to obtain a copy of my consumer report, I requested it three months ago, and still have not received it.
Product: Credit reporting or other personal consumer reports

Dear XXXX/Transunion, I am writing to address concerns regarding the handling and sharing of my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) and related statutes. As outlined in the FCRA, Section 602 ( a ) emphasizes the necessity for consumer reporting agencies to conduct their responsibilities with fairness, impartiality, and a commitment to preserving consumers ' right to privacy. 

Both XXXX and XXXX operate as consumer reporting agencies, and as a consumer, I wish to assert my rights to ensure the confidentiality of my private information. Section 6801 of the FCRA underscores the obligation of financial institutions, including entities furnishing information to credit agencies, to uphold the privacy and security of customers ' nonpublic personal information. It is crucial to note that the entity in question falls under this definition as a financial institution.

Moreover, Section 604 ( a ) ( 2 ) of USC 1681 specifies that consumer reporting agencies may furnish consumer reports solely in accordance with the written instructions of the concerned consumer. Neither the aforementioned financial institution nor the consumer
reporting agencies, XXXX and XXXX, have obtained my explicit consent to furnish this information. Any form of consent, whether express or implied,
previously given to XXXX XXXX, or the entity providing information to credit agencies, is hereby revoked.

Section 6802 ( b ) ( c ) of the FCRA mandates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise nondisclosure. Regrettably, I was never provided with information about my right to exercise this option.

Furthermore, Section 1681C ( a ) ( 5 ) stipulates that no consumer reporting agency can include certain adverse items of information in a consumer report without proper authorization. The inclusion of such information without my consent violates this provision of the law.

In addition, Sections 1681s2 ( A ) ( 1 ) and 1681e necessitate consumer reporting agencies to maintain accurate information and implement procedures to prevent violations of the FCRA. It appears that XXXX, XXXX, and Transunion may not be upholding these standards, as indicated by the concerns raised.

I urge your immediate attention to rectify these issues and ensure compliance with the Fair Credit Reporting Act. I request confirmation of the cessation of sharing my information and an update on the corrective measures taken.

I Demand These Credit Reporting Agencies Lower The Utilization Of All My Credit Card Product ( s ) Balances To Be Shown As 0 % Utilization Effective Immediately. It Is Causing Me Emotional Distress, Physical And Mental Pain. I Also Demand These Credit Reporting Agencies Do Not Stall Me By Asking For XXXX  Day Extensions As I Am Acting In Good Faith. 

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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called  XXXX  to have them to remove a name listed on my credit report. The rep said that she could not remove the name because if was attached to an account. I explained to her that if is not my name, therefore the account does not belong to me. She refused and instructed me to call the creditor of whom I have no account listed with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not reporting correct information as far as score b/c when I get the risk base pricing back from company its always higher than what they tell me same with XXXX misleading score this has got to stop
Product: Checking or savings account

I had an account with Citizen 's bank for years. I was hit with numerous overdraft fees of $ XXXXtransaction and {$30.00} each sustained negative balance in XXXX, XXXX, and XX/XX/2021. Every time I had a fee hit, I had a positive balance in the account, it would deplete my account into the negative, and eventually was unable to continually argue with he bank about these fees, and I was left with a negative balance. All of these overdraft fees amounted to {$870.00}. The account was closed by they bank, and I have been left to repay the fees monthly.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Amount : {$30000.00} Action : A dispute letter was sent XX/XX/XXXX {$30000.00} A dispute letter was sent XX/XX/XXXX {$30000.00} A dispute letter was sent XX/XX/XXXX {$30000.00} A dispute letter was sent XX/XX/XXXX {$30000.00} A dispute letter was sent
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I received an email stating that Bridgecrest would be reporting my auto loan payment late if they did not receive payment by XXXX pacific time on XX/XX/23. I was almost done with a refinance and the payoff was to be sent the XXXX. It was and on XX/XX/XXXX I received an email from bridgecrest of their receipt of my payoff amount. And indeed when I went to login the account was already closed out. Today, XX/XX/23, I wad notified by my credit monitoring service that bridgecrest had listed my account as 30 days delinquent. I am trying to build my credit to apply for a mortgage and late payments are a huge deal. I entered chat with a bridgecrest representative, XXXX and she stated their processing time for these corrections are 90 days. Which is unacceptable for a mistake that their company made. Didn't take them any time to report it late, why can't they remove it just as quickly?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to have my dispute remarks reported as now resolved XX/XX/2021. I waited the 30 days however one acct did not get fixed. I called again on XX/XX/2021 and was told it was upgraded to the consumer affairs department due to a glitch in there system and would be resolved in 72 hrs plus I would receive a phone call from them at the 72 hrs mark. No phone call, no repair for my comment to say no longer disputed by consumer. I called again XX/XX/2021 and was told they upgraded my complaint yet again. I called back today XX/XX/2021 and was hung up on, no rectification of issue. This is impacting my family and I life. All that needs to be done is my comment to be changed that I no longer dispute this item. Please help Im trying to buy a house and am suppose to close in a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a CFPB XXXX against Experian around XXXX - XXXX 2014 regarding a 10 year old derogatory past due payment by XXXX that was not true. 

I contacted the Office of the President of XXXX, copy attached. In reply, I was assured the derogatory report would be withdrawn. 

If both Experian and XXXX still fail and refuse to correct this information, please let me know and I will have my attorney contact the Office of the President of XXXX - again - to require the removal of this false information and to hold their employees personally accountable for their actions. 

Please be advised, as result ALL other credit reporting agencies changed their information on this account and no longer contain derogatory information regarding XXXX or any other.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, EXPERIAN AND XXXX, are all guilty of willful intent to harm my credit file by not reporting the correct balance owed since XXXX when it was nearly $ 4k, however, since XXXX it was {$0.00} and yet my file was not updated after XXXX when it should have been regularly updated as is par the course with all of my accounts receiving regular monthly electronic updates. I made several attempts to correct the false information causing harm to my credit report directly with the concerned parties who all said I should wait and put the blame on the other entity, i.e. the XXXX XXXX XXXX blamed the credit bureaus who blamed XXXX with each saying the other party has 30 - 60 days to update my file which could potentially result in my having to wait 60 - 120 days for my balance to be updated when such is supposed to be correctly reported every month! This is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I had Request and Send TwiceTo XXXX and EQUIFAX Credit report To Update My Personal Information, Because the Information and Address they have are incorrect. I have only one Address, one Name, one SS #, one Phone #, one Employer But XXXX Refused To update My INFO, They have Address in my File that I never Live in and Never Knew About. I Have Sent All MY Documents To Them, all I need for them To Remove Those Addresses include po box and They refused To Because Post Office will never deliver To Inaccurate Address. 

I Had Sent Them Everything CERTIFIED MAIL
Product: Credit reporting or other personal consumer reports

Fingerhut/webbank have fraudulent records of an account that doesnt have my correct social security number, that isnt mine where someone bought some purse and whatever else that I didnt order and said the proof was it was sent to my house. Are you serious Ive been battling this account now for a while! XXXX a XXXX veteran with a XXXX XXXX XXXX XXXX not XXXX. I in no way want your purse and perfume that you fraudulently sent to my house without my permission!!!!!!!!!!!! That someone ordered with only the last XXXX numbers of my social security number because the numbers your fraud department sent me is not my social security number. XXXX XXXX you owe me money for all this time I have to waste over you allowing someone to open a fraudulent account and set off my XXXX and my XXXX  to XXXX XXXX I feel XXXX losing it!
Product: Debt collection

Debt collector tried to scam my XXXX XXXX XXXX son. ( XXXX XXXX ) Number is XXXX
Product: Debt collection

This started back XX/XX/2019 when XXXX XXXX XXXX contacted the owner of the home we were living in for the past 7 years and told them they could be making a lot more money in rent and they should raise it. We were paying XXXX and they wanted to raise it to XXXX. We had no lease but the first year we resided there. Then we paid month by month for the next 6 years. We for the last 6 months we were there was always scared paying rent not knowing what they had planned. Finally after being threatened with eviction over and over let them go through with eviction. Due to non payment for 1 month. Even though our name was not on the set out list for the date they showed up. The constable of XXXX County SC let them follow through with set out with no proof or paperwork given to us. We waited 3 hours watching them sit in our yard waiting for them to give permission to enter our home still with no paperwork. Not to mention our belongings we set out in the pouring rain and everything got ruined! The company Hunter Warfield call daily after being asked not to saying they are attorneys and are trying to collect debt. I am not responsible and have not received and documents regarding this account. I want this off my credit immediately. This is a false collection!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit BureauXXXX date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My student loans were handled by XXXX XXXX and Fedloan since before XXXX, I was notified by XXXX XXXX and Fedloan about PSLF and XXXX  loan forgiveness. As long as I XXXX  for 10 years and my loans would be fully forgiven. I was asked to consolidate my loans into 1 which would help the forgiveness process. I have been XXXX  since XXXX, and I kept track with both XXXX XXXX and Fedloan to make sure my services were counted toward Public Service Loan Forgiveness ( PSLF ) Payment Tracking. I went back to school to earn my XXXX XXXX XXXX and I did not want to stop payment on the loan or as we call it pause the payment until I finish with my XXXX XXXX XXXX but I felt forced into it and no one told me that the payment tracking would be paused until I earn my degree. Then COVID 19 happened ... ..no interest rate, or payment was collected BUT no one told me that by doing this, it would cause more delays on my service counts. I filled out the PSLF and submitted it in XX/XX/XXXX but nothing was done on my account for well over 7 months. I contacted Fedloan over and over but got no response. I finally contact Fedloan through XXXX and they finally responded and would work with me ... .HOWEVER, I only got 7 months of PSLF instead of 8 years worth of PSLF. Their explanation is I received a XXXX  loan forgiveness for 5 years of XXXX. I told Fedloan that no one told me I would have to start all over again, and all I got was excuses after excuses but I have worked hard as a XXXX XXXX XXXX for years and I can not afford to start all over again with the XXXX  loan forgiveness or PSLF or whatever the other terminology they use nowadays. This is VERY UNFAIR and I can not start all over again!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to get these inquiries removevd from all three of my credit reports I did speak with a person over the phone about a reverse mortage but I never authorized him to pull my credit. Delete these inquiries.Nor did I authorized XXXX ; XXXX store remove these inquiries XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 Citibank closed an account with pending ACH credits totaling at least {$2000.00}. Citibank refuses to confirm the account balance that will be sent as a check and will not completely close the bank account in order to try and collect fees until the account balance is {$0.00} ( basically steal money ). They keep saying the account will be closed in 60 days but the account is already closed since it is restricted. By waiting these 60 days they will try to collect fees such as inactivity or monthly fees in order to steal money.
Product: Credit reporting or other personal consumer reports

Chase Auto keeps changing the first delinquency date on all three credit agencies keeping this old loan on all XXXX  credit files when they should have removed it. 

As you can see, Chase reported a 1st delinquency date of XX/XX/XXXX, which is fraudulent, as the 1st Delinquency Date was XX/XX/XXXX. 



Chase Auto also committed a fraudulent act, after I paid off the vehicle, they attached additional fees, and the moment I paid them, they reported that money as a paid charge-off to all three credit agencies. 

I originally went into the local Chase Bank XXXX, WA on XXXX XXXX XXXX. XXXX and paid off the balance in full on XX/XX/XXXX. As you can see they did not apply the full payment. I went back on XX/XX/XXXX and paid {$1.00} to cover the balance of {$.00} cents. 

Then after all that Chase Bank would not send me my title, they added additional fees and had me pay another {$200.00} and some change, only then would they mail me my title, which I finally recieved at the end of XXXX, XXXX.
Product: Debt collection

I was looking at my credit alerts and there was a large drop of XXXX points when I looked up the company and called they said they were a debt collector. I informed them I have not received anything in writing for them or have spoken to them on the phone. I have no way of validating their request and need something in writing from the company the representative was angry at my request and immediatley stated he will put refusal to pay and when is said thats not true Im requesting more information he hung up. I called back and asked to speak with a supervisor who was also very rude and stated they do not have to send me anything in writing or speak to me on the phone and they will continue there debt collection process unless I give her my credit card information now. I was advised not to give credit card information without anything in writing and I was told I needed to speak to them before they went against my credit. They stated that I owed XXXX dollars this is under XXXX dollars yet theres lack of communication and refusal to validate anything has hurt my credit XXXX points
Product: Credit reporting or other personal consumer reports

The purchase of a new vehicle.. they were supposed to be soft inquiries to lenders and they came in as hard inquiries...
Product: Credit reporting, credit repair services, 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 USC1681. 

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  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

I recently pulled my report and saw that there are accounts appearing that I am not aware of where they came from. Below are the accounts appearing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also attached a copy of my FTC complaint pertaining to these accounts.
Product: Payday loan, title loan, or personal loan

I don't know that date it was many years ago. The company was Amscot. I have tired calling and going to Amscot. Nobody will tell me anything but that I have a loan.
Product: Debt collection

I did sign a contract with Mosaic XXXX XXXX XXXX to finance my solar system with XXXX XXXX. XXXX did not install any system and they call me to cancel their contract because they could not install the solar system as the city want it to. XXXX even told me : XXXX XXXX the supervisor : " We usually have an inspector to sign our installation in every city but in the XXXX XXXX we do not know anyone there, they will not approve our installation. We will need to cancel our contract ''. 
Despite they do not install the solar system, they damage my roof, they are sending me letters, calling on the phone, threaten me to put a line on my house for non-payment. 
I did contact them and write them letter. They still want me to pay them XXXX dollars for service and products they did not provide. 
I did stop with my bank the automatic payment that was provide when I was signing the contract. 
Please help me stop those two company harassing me via phone and letters. I do not owe them any money because they breach their contract. I do not have system solar installation