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

XXXX XXXX XXXX and Macys have reported for years that my previous credit card status currently has a balance and late. Both companies closed my accounts, the accounts were paid in full, likewise, I havent missed a credit card payment in 5 years. After speaking with Macys regarding a late payment, the representative informed me they couldnt detect a late payment yet, a closed account 5 years ago is still reporting as current. My first Macys card was closed because you cant use a XXXX XXXX as a physical mailbox. Another Macys card was acquired and my payments were made on time. I noticed, upon paying the closed account, it would default to the new card, a computer glitch for which Im being held responsible for. I have tried several times to resolve this issue to no avail. 
XXXX XXXX XXXX closed my XXXX credit card account 5 years ago, and likewise are reporting to the credit bureaus as if this is my current situation. After speaking to a representative XX/XX/2023 I was informed I would have to wait 2 years before my status changed. I continue to bank with XXXX XXXX XXXX, my XXXX XXXX has not incurred a late payment in over 5 years, yet XXXX XXXX XXXX for years is reporting to the credit card bureaus the status of a closed account as if its current. 
As a result of these inaccuracies, my credit score has dropped almost every month for the past 5 years. Likewise, Im being denied credit cards because of the inaccuracies.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 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 CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX
Product: Mortgage

This is from way years ago but you should still know. Wells Fargo told me that in order to qualify for my home, I would need a second mortgage. I reluctantly signed. What I didnt know and what they didnt explain is that they could come after me for the second mortgage if the house was foreclosed on, as they wrote it as an equity line of credit and never told me. 
Had I known it was an ELOC, I would have NEVER agreed to the morgtage in the first place. Wells Fargo misled millions of borrowers just like me - yet when I informed them of how they deliberately misled me, they simply referred me back to a contract they said I agree to, They actually tried to tell me that I had a second mortgage, but then moved it to an ELOC??? Why in the WORLD would I have knowingly done that??? 
The fact is I was misled. 
Just like millions of other customers. 
I wa a teacher - and they took every penny I had out of my checking account, with NO notice. 
It was the worst thing I have EVER experienced.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX Account has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1668B : A creditor may not treat a payment on a consumer account under an open end consumer credit plan as late for any purpose. 

This creditor 's XXXX XXXX XXXX account XXXX XXXX XXXX is not mines and I never had a account with this creditor. 

Kindly take this misleading creditor account item out of my credit file as it isn't me. Please And Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with personal statement of dispute ( explaining why you disagree with a lender 's decision after an investigation ) Can anymore show me in writing as to when XXXX XXXX was entered I will need this information dated back from XX/XX/19 if you are not able to provide me any proof you will need to delete XXXX immediately discover CAN NOT supply me with anything XXXX  I have called your office about this your failure to delete the account is now FCRA And sent multiple CFPB complaint Experian and XXXX  you have as well receive countless of disputes about this same issues none of you are able to send me XXXX therefore you all must delete XXXX XXXX you all have committed multiple violation of the FCRA send me the XXXX XXXX proof no XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX See current reporting statements below on Equifax and XXXX Reports from XXXX XXXX site. Many inaccuracies reported.. Reports different information to different bureaus. XXXX  not available. 

Line of Credit {$8000.00} ... Correct. Incorrect states I owe almost {$18000.00} for excessive interest and fees. How? Account has been closed for years. 

Reports to bureaus 3-4 times XX/XX/XXXX, no report XX/XX/XXXX, or XX/XX/XXXX and now reporting again XX/XX/XXXX.  Same company Reports no past due On one bureau shows none due as minimum payment '. The other bureau owes monthly minimum payment {$9900.00}. ( yes, this is not a typo ) Acct open XX/XX/XXXX and Last Payment XX/XX/XXXX ... probably correct. 

-- wife loss job in XX/XX/XXXX ( not her acct ) and I have not worked since XX/XX/XXXX both of us are XXXX, Company has called leaving various voice mails not disclosing they are debt collectior on my wife 's cell voice mail. Last call XX/XX/XXXX left message stating they were XXXX XXXXl ( not giving name of their company ) and calling about a claim ( no mention of debt collection on voice mail ). She called back about claim and what was this about. Talked to my wife about my account without my permission. She is not a co-borrower on account. Threaten my wife to seize my XXXX and wife ; s SS by freezing our bank account so we couldnt pay our bills so they are paid..We dont own home, do not own vehicle. We have no savings, This company Breaks Credit Card State and Federal Laws -EOCA -The Card Act 2009 -Fair Credit Reporting Act Predator Credit Card Lender. Sent revisions to terms and said you automatically agree or pay account off in full.
Product: Credit reporting or other personal consumer reports

Discover reported my information to XXXX again. This problem has been going on for several years. I kindly ask to remove this account.
Product: Credit reporting or other personal consumer reports

the listed inquiries inwhich I have no knowledge of are reporting on my credit report 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is wrong information. There has been a breach in the system, and there is stuff on my account that should not be there. everything is incorrect. Theres a lot of fraud and Im axing them to erase it.
Product: Credit card

Upgrade card did not disclose before spending or generating a truth in lending that you can not pay off individual loan lines- making you be forced to pay high interest. Upgrade claims I accepted the terms at time of application and understood. 

No where could you search at the time of opening terms and conditions/ how payments work on the faq sites. 


Upgrade card is a sub prime / loan company that markets a hybrid credit card product. However when you borrow and open a line of credit, upgrade claims XXXX line with a payment of XXXX over 36 months. 


If you spend or borrow at different times smaller amounte, they try to market it as hybrid by here pay here. However after discovery : You cant pay a particular loan off. 
Instead you are obligated to pay the full terms of the loan even if you apply a ballon payment. 

For example i was approved for {$6000.00}. 
I spent XXXX. With a reasonable min payment of XXXX over 36 months at XXXX apr. 

I then 4 months later drew XXXX I then spent XXXX spent XXXX spent XXXX spent XXXX and XXXX Upgrade put me into 7 micro loans ad 36 months for each XXXX  spent. Leaving me with a balance of {$3600.00} and min payment of XXXX. No where near the XXXX for XXXX line of credit over 36 months. 

2 years later I still owed XXXX and paid upgrade XXXX in payments. Totaling XXXX w interest. I paid XXXX to upgrade. Leaving a balance of XXXX. 

I was surprised to see that the first loan for {$1700.00} was not paid off when it had a balance of XXXX. My min payment is still XXXX for a XXXX balance. I am forced to pay the full terms of the micro loans in full. There is no early payoff, the {$1700.00} i paid to upgrade was divided among 13 micro loans. Upgrade says you and they don't know the payoff until you give them money. I find that predatory and a scam. 

So after a {$3200.00} balance was paid down to XXXX. I called to ask what another {$1000.00} would do. Upgrade says its on me to do the math and they wont know how the payment is divided across the 13 micro loans. 
They could only say my balance would be lower after the computer calculates the interest owed. They only could provide a overall payoff if I paid entire balance.
Product: Credit card or prepaid card

XXXX. ) Credit CardXXXX XXXXXXXX XXXX  Open Acct XXXX XX/XX/XXXX. 3 yrs-4 mo. Balance- {$1000.00}. 
XXXX. ) Credit CardXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Acct XXXX Open- XX/XX/XXXX. 2yrs- 4 mo. Balance {$1000.00}. 
XXXX. ) Credit Card XXXX. ) XXXX XXXX XXXX XXXX XXXX Open XXXX 2yrs- 4 mo. Balance- {$1000.00} These cards are all on my Credit Report from Portfolio Recovery A.

Single and getting XXXX  and off work struggling to pay and they wouldnt work with me and too many late fees.
Product: Debt collection

I sent a written request to XXXX XXXX at : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, WA XXXX Requesting proof that I am legally liable for the debt listed below ; and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector. 

Creditor Information XXXX XXXX XXXX XXXX   XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX   XXXX Opened XX/XX/2016 {$310.00} Original creditor : XXXX XXXX After XXXX  XXXX did not answer my request I submitted a dispute to the three major credit reporting agencies. XXXX  and XXXX  removed the info from my XXXX permanently. XXXX  removed the info then added it back to my XXXX after a couple months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX, Transunion and XXXX. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a XXXX credit card, discover credit card, XXXX XXXX credit card or XXXX XXXX  card or owe ANY amount of credit card and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. This company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING AND ILLEGAL ACTIVITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPTEDXXXX Account # XXXX, has violated my rights. 

Secondly, in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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
Product: Debt collection

1.I have never had an account with this company I C SYSTEM XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are I C SYSTEM the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Mortgage

Rocket Mortarage company XXXXXXXX XXXX Date of inquiry : XXXX Hard inquiry credit pull Refused to give loan estimate Respected Credit Bureau Representative XXXX Me and my wife were shopping for Mortarage loan XXXX We provided SSN details, employment details, date of birth details, and address to Rocket Mortarage to get loan estimate. I requested for soft pull, but they did hard inquiry and refusing me to give loan estimate. I requested for loan estimate they are not giving. Please help me in getting the loan estimate. 

Best regards XXXX
Product: Money transfer, virtual currency, or money service

I lost access to an old email which was attached to a Coinbase acct. Since I had also changed my phone number there was no way to verify me. I opened a support case with them, case number is XXXX, They had me send my photo identification via a portal for that purpose. It was successfully uploaded and yet they never gave me access to my account or a way to reset password and update info. I sent three follow up emails with no answer over course of next 3 months. In the account Im attempting to access is a sizable amount of cryptos. I cant believe such a large company could be so unprofessional and scammy. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the inaccurate and fraudulent accounts listed herein from my consumer report, in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my diligent effortsincluding submitting identity theft reports,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted transunion numerous times about removing inaccurate information and went on to question how they verified the information. The lady said XXXX consumer report and I let her know that there has been a credit freeze and that there was no way she verified thru them. Then she changed it and said they verify thru the bankrupcy court which I confirmed with the courthouse that it was false as well. Ive been getting the run around about removing addresses and phone numbers that never belong to me as well.
Product: Credit reporting or other personal consumer reports

I requested information of validation and balance Western funding Inc. opening date XXXX  XX/XX/year> Account number XXXX Western Funding inc XXXX XXXX XXXX XXXX XXXX, Nevada XXXX
Product: Credit reporting or other personal consumer reports

I've submitted disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. I provided details of the accounts and highlighted the violations. It's been over 30 days without a response. Attached are copies of all the letters sent. 

This company has violated FCRA Section 623 ( a ) ( b ) by failing to mark the account as disputed. Additionally, they have violated FCRA Section 605 ( c ) by incorrectly reporting the date of last activity instead of the last payment date. They also continue to fail to validate the collection account, violating FDCPA Section 809 ( b ) according to FTC guidelines.
Product: Debt collection

Recently I received a notice from Southwest credit LLC. 

Stating XXXX has placed your account with a balance of {$1000.00} Our client has advised us that they are willing to resolve your account in full for 40 %. Please contact us to see what other terms can be worked out to resolve your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I use to live stating that I owed debt. I did a little investigating and I was told that someone has given my name and social security number to claim m. Aoney every month they have the wrong person I decided to pull my credit report and it showed the exact same thying and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please removethese fraudulent items from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to this bureau and they are disregarding my consumer dispute. Im stressed and have been sending letters before this and still no response. I am at the end of the road and filling this complaint. At this point I dont know what to do, about getting these items removed from my credit report. With these items on my report I am unable to get employment in my field and having difficulty finding housing. I would greatly appreciate your help.
Product: Debt collection

I am filing this complaint because I recently received a collection notice from a company called Enhanced Recovery Collections. 
It was a collection notice for an XXXX account. 

Even though I do n't agree that I owed XXXX anything, I started doing some investigation. However, because I was never notified that there was ever any money owed until I received this notice from ERC, I called ERC to ask for more information. I called on XXXX XXXX of 2016. The representative who I spoke with employed the stereotypical collector attitude. And after long deliberation, the representative told me that if I paid him this account in a settlement, that he would make sure that this would never be placed on my credit report. Although I was skeptical, the deal sounded too good to pass up so I went ahead and paid him. 

Fast forward almost 30 days later and I have a big problem. After reviewing my XXXX account, the ERC collection for XXXX that I was told would never appear on my credit report ended up appearing on my credit report! It shows as a paid collection. 

I understand that this may not be a problem to some people but it is a big problem to me. For XXXX, I was lied to and given a false promise in order to get me to pay an account I did n't even agree I owed. That is not only morally wrong but it is also illegal. Secondly, because I was lured with a false promise in order to pay this account, my right to dispute and have this debt validated went out the window. Now I am very furious. 

Under the Fair Debt Collections Practices Act XXXX XXXX. False or misleading representations, " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' The collector at ERC did just that. He told me this would never hit my credit report if I paid them and I did under the premise that this would never appear on it. If I knew that what he said was a lie, I would have simply disputed the account since I still do n't think I owed it. 

I have spent many years making sure my credit report is in good standing to let a lying collector simply ruin it. If ERC does not delete this account from my credit report then I will sue them. Please look into this for me because who knows what other things ERC is doing with people in their collection attempts. If they lied to me to get me to pay this, who knows who else they lied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX