23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Credit acceptance refused to make things right. They deliberately ignored the laws of the FCRA by keeping inaccurate information on my credit report. They refused to provide proof of this debt owed. They refuse to provide proof that a vehicle was indeed sold at an auction or private sale. I do not acknowledge this debt. XXXX XXXX XXXX XXXX is a debt collector trying to collect this debt from me in the amount of {$8700.00}. Credit acceptance reported to the credit bureaus the amount owed of {$8900.00}. That is clearly an inaccuracy, and goes against the FCRA laws. 
UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME THAT NO PROOF OF THE Union, you must ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian : Has sent a letter with the name listed as " XXXX XXXX '' this was after I called and spoke with " XXXX '' ( my be mispelled ). I called and he asked me to verify I filed bankruptcy, I told him no. I asked to speak with a supervisor he said no, over and over. I called and was immediately hung up on. Then sent a letter with report stated as of XX/XX/2024 with the name incorrect and score of a XXXX. I have a printed report on the exact same day of XX/XX/2024 that is dated with name " XXXX XXXX '', score is XXXX. I mailed certifed mail with tracking number XXXX and accepted on XX/XX/2024 per USPS I requested for validations of collections and credit score in writing asking for method of verifications, advised of USC codes of violations, harrassments, the harm caused by false informations. 







I sent a letter to XXXX that was certified by tracking number XXXX it was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Address to XXXX XXXX per our phone call we had because I called in and she told me she would handle everything just send her a letter to that address and not to XXXX GA address. I have not heard anything back since XX/XX/2024. Then on XX/XX/2024 a XXXX number called me and I asked who she was and told XXXX XXXX no last name, did not tell me what company, why was calling. Just started yelling, baggering, and said she want the money. I asked her where she got my number she said from a " skip trading base system ''. She stayed on the phone with me for XXXX. She told me to call her back at that number and she will keep account on my report till its paid. She did tell me someone from XXXX gave her my number also.
Product: Credit reporting or other personal consumer reports

Unfortunately, I have noticed some inaccurate information on my consumer report. I believe this information is a result of identity and is not correct. XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 USC 1681 Permissible Purposes, I want these hard inquiries removed from my consumer report. The previous inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.
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 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 or other personal consumer reports

On XX/XX/year> I was looking at my credit report and saw a hard inquiry for a personal loan on my credit report. I do not recognize this inquiry neither have I made it.
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S.

Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXXm exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 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 ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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

There is a XXXX XXXX in the amount of {$4400.00}. I had contacted the bank in regards to this matter due to someone finding my wallet with my social security card and drivers license and stealing my identity. This has been an ongoing issue and I can not get this resolved. At this point they are reporting a balance and an account that is open. I had provided them with a police report and a written statement proving that my identity had been stolen. There was no further action taken on their end. This is hindering me from obtaining credit.
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you promptly. I am writing to express my deep concern and dissatisfaction regarding the unresolved issues associated with my account at Credit Bureaus. Despite my multiple attempts to address these matters, they remain unresolved, causing significant distress and financial hardship. 

initiated the account opening process, and as of today, [ current date ], my account is still not active. This delay is impacting my financial planning and causing undue stress. 

Additionally, there are entries related to late closures and charge-offs on my account, which I have been attempting to address. Despite my efforts, these entries persist and adversely affect my financial standing. 

Expedite the process of opening my account and ensure its activation at the earliest convenience. 

Conduct a thorough review of the late closed and charge-off entries and take the necessary steps for their immediate removal.

Improve communication channels to keep me regularly informed about the progress made on both issues and the expected timeline for resolution.

Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced.

I understand the challenges associated with addressing such matters but emphasize the urgency of a swift and effective resolution to restore my confidence in your institution 's services.

Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the resolution. I am asking for your assistance to correct this late open account and removal of late closed and charge off accounts in my credit file : 1. XXXX XXXX XXXXXXXX XXXX : {$380.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX XXXX XXXX Balance : $ XXXX XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Debt collection

Today, got fifth call and hangup from XXXX. I called it for second time and lady told me again that it was mine when she called back. Refused to tell me MY NAME. She called back and used fake number and called me a deadbeat XXXX. I know this is not my debt. I'm retired, own 3 homes in XXXX, XXXX, and XXXX. Have over $ XXXX in LIQUID ASSETS and credit rsting of XXXX. I've had it with this XXXX and wish to take revenge on this miscreant.
Product: Credit reporting or other personal consumer reports

I never initiated these inquiries : 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

MOBILOANSLLC has been reporting on my credit report for no reason. This account was sold to another company and handle by me. I 've disputed this reporting to no satisfaction on my part.
Product: Credit reporting or other personal consumer reports

My Equifax report is showing nothing. No accts, nothing. No credit score. My credit file with them is completely gone. I had called equifax several times to get the issue corrected and I have been asked to send my personal documents to verify my identity and I had mailed the documents and the issue is not resolved. I am tired of spending hours on the phone with this bureau and nothing gets fixed. I want this problem to be fixed once and for all. This problem is causing me issues to get financing with my bank and other financial institutions. I am extremely frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX reported fraudulent information on my credit filed. The amount is {$940.00} I do not have a contract with this company and never have. The account was deleted XX/XX/2020 and has been reinserted without my knowledge or verification of debt. XXXX XXXX  has broken the FCRA law by reinserting fraudulent debt on my credit file.
Product: Mortgage

My husband died two years ago. I have XXXX boys in college. My husband left me with significant financial issues, including outstanding medical bills, debts I was unaware of, a mortgage at a very high interest rate, etc. I began to try and refinance the mortgage over a year ago, with no success, due to my credit report. I tried repairing the credit history and still was not able to refinance. Finally, the mortgage lender NATIONSTAR MORTGAGE , LLC, told me I could be eligible for the mortgage assistance program. They told me to skip one month 's payment in order to show my need. Then, they signed me up for the new loan and told me I had to pay 90 days at a higher rate ( I assumed this was to make up for the payment that was skipped ). At the end of the 90 days, they lowered my interest rate from 8.3 to 7.8 percent - but my monthly payments went from {$2800.00} to {$3200.00} per month, plus accrueing fees of over {$200.00} per month which I ca n't get anyone to explain to me. In addition, Nationstar reported that I was late with those 90 days of payments, when in fact they were not only paid, but they were higher than the original mortgage payments. This then scarred my credit report yet again. Several more attempts have been made to try and refinance so I can get the monthly payment down to something manageable - but my credit report continues to hinder me. Not only has NATIONSTAR made the monthly payments higher through their " MAP '' program, they have added considerably to the amount of the loan itself. Before I started the MAP program, I owed approximately {$260000.00} on the house. I now owe over $ 270K. How does this happen when I literally begged for months for someone to help me? I do not want this to happen to others. Please help me and help others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX XXXX XX/XX/2022 XXXX, Transunion and XXXX received a packet from me containing my written instructions for my Credit Report as well as proof of address, ID, FTC report and proof of address. I never stated I wanted to start a dispute but every Credit Reporting Agency opened a dispute. 

XXXX-Removed accounts but placed a fraud alert on my account, they said it woud be removed within 72 hrs. However, I got an email that I won't have an update until XX/XX/XXXX. 

XXXX Sent an email asking to verify information they already have to furnish my credit report Transunion-I called them and they sent me to a specific agent that would not say anything once we were connected.
Product: Checking or savings account

I had a {$7000.00} check sent to XXXX Bank as part of a trustee-to-trustee transfer. I used XXXX Banks provided form for this transfer. XXXX Bank applied the incorrect amount to my account, not the {$7000.00} that was sent to them. They are unable to provide me with a copy of the check they received to verify the amount written on the checks matches what they credited to my account. They do not have a process to reconcile this error and they are unable to tell me when I can expect this to be resolved.
Product: Debt collection

To Whom It May Concern, I am filing this complaint to dispute an eviction collection falsely reported under my name by FAIR COLLECTIONS AND OUTSOURCING. During the reported eviction period, I resided at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX as verified by the attached notarized letter/lease agreement. I have also filed an FTC identity theft report, which is attached. 

This eviction does not belong to me, and I request that the collection agency and consumer reporting agencies immediately remove it from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XX/XX/year> XXXX
Product: Vehicle loan or lease

I bought out my XXXX XXXX XXXX from GM Financial on XX/XX/2019. They collected sales tax from me and they have not remitted the sales tax to XXXX. I contacted them on XX/XX/2019 and XX/XX/2019 and they told me it was my fault and that I have to fix it and pay late fees. Apparently they wrongly paid XXXX the sales tax even though they had my XXXX address updated. I had properly notified them of moving over a year ago and even had to get a notarized power of attorney from them to register the car in XXXX.
Product: Vehicle loan or lease

I am writing in regards to my account with Lincoln AFS Account # XXXX I had completed this lease in XX/XX/XXXX paid it off with no issues. Yet on my credit report it is reporting a late in XX/XX/XXXX. This is not possible since the account has been closed and paid. I have reached out to Lincoln in regards to this matter they assured me that it was an error on the part of Lincoln and they will correct it ASAP. Two months later and it is still on ( see attached ). I also have a recorded conversation with a customer service member at Lincoln if needed.
Product: Money transfer, virtual currency, or money service

I ordered a tablet on line through XXXX for around {$94.00}. After waiting over 4 months it arrived but was not what I paid for it was a cheap child 's tablet and it had a locked screen so I couldn't use it if I'd wanted to. I contacted the seller imidiatly but was told to bad no refund. I then opened a dispute with XXXXXXXX XXXXXXXX, after another month or more was denied any recoup. I had said I would return the tablet for a full refund but told no denied. So I then contacted my bank Chime & opened a dispute through them for a charge back but after about 75 days was denied again. Right after chime denied me I received a message from XXXX  that they were going to refund the money however since I'd opened a dispute with my bank then the bank would have to request the refund for me. So I again contacted Chime reopens the dispute with the new information so they could request the refund but they again after a month denied me closed the dispute and said that it was over. So I'm stuck with a child 's toy that's useless because it's screen pass code locked and I'm out almost {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX is reporting on my credit a balance of XXXX which is my ex spouses car loan not mine. I never agreed to be a co-signer on the account and Im asking the account to be removed off my account because I didnt authorize this on my credit and its negatively affecting my credit.
Product: Debt collection

I stopped service with XXXX on XXXX XXXX, 2015. I received a final bill XXXX XXXX for {$69.00} and promptly paid it. Payment was not due until the XXXX of XXXX. XXXX received payment on XXXX the XXXX. On XXXX the XXXX I received a call from Credit Protection Association L.P. stating that they were a debt collection service attempting to collect a debt. I then received a letter dated XXXX XXXX from the same company that XXXX had turned over my supposed debt of {$69.00} to collections. This affects my credit score and I am furious. I have spoken with XXXX without much help being shown my way. I want my any dings on my credit cleared and I want to know if this is a common, predatory practice by XXXX.
Product: Vehicle loan or lease

I had a vehicle loan with Wells Fargo. There was a hurricane in XXXX and Wells Fargo sent a letter stating that customers in my area could defer payments for 3 months as a form of disaster relief. What the letter did not mention is that after 3 months I would be constantly harassed for three months worth of payments plus the current month. I could not afford {$1200.00} all at once. After struggling to make XXXX back to back payments of {$500.00}, I couldnt afford to keep the payments up. My car was repossessed which hurt my credit and there may have been an attempt to get additional money after they sold my vehicle. This happened some time between XXXX and XXXX. I should definitely be included in the {$4000.00} payment to customers who suffered a repossession from Wells Fargo because the letter failed to mention that 4 months of payments would be demanded after the hurricane disaster relief period.
Product: Vehicle loan or lease

Hi there, So when I was XXXX XXXX XXXX in XX/XX/2021 I went into a dealership to get a car. They told me I had to put {$600.00} down and I would walk out with a car that day. That did happen, although I was given a car that was worth about 1/3 of the loan. First of all, I think it was messed up to do to a XXXX XXXX XXXX. They knew I had no idea what I was doing and took advantage of that fact. Now I am XXXX, stuck in this horrific loan and am backed into a corner. This is because I can not keep up with these payments, so it's effecting my credit. I have tried to refinance with over 15 companies and no one will approve me because my credit is dropping and the negative equity on the car is too high. And on top of it all they sold me a car that needs about {$800.00} worth of repairs. So here I am at XXXX having to consider bankruptcy which I really don't want to have to do and hurt my financial history until I'm almost XXXX. I need help, I was taken advantage of and I need someone to advocate for me and help guide me out of this situation. Please, if there is anything you can do I beg of you to help me.
Product: Money transfer, virtual currency, or money service

Mr cooper/ Nationstar took 7 ACH payments out of my account causing - {$12000.00} overdraft. Didn't have any pending payments scheduled and did not authorize these payments.