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

Experian sends me a report of corrected disputes. however they never correct wrong information LIKE MY NAME AND Yes my middle name XXXX but my son on my credit report demonstrates how inept these people are OR they just don't care! Now read If you believe that information belonging to another person, including a family member, may have been combined with your information, it is necessary for you to contact us by phone for assistance at XXXX XXXX XXXX XXXX. This type of situation requires special handling. If you chose this reason in error and do not believe that another person 's or family member 's information may have been combined with your information, select a different reason to continue your dispute. REALLY Select a reason I have to call?? Try to get through and what are disputes for.
Product: Vehicle loan or lease

I have a car loan with Consumer Portfolio Services in XXXX, CA. To date, they have not sent customers any notice regarding relief during the pandemic. Ive spoken with a representative on XX/XX/XXXX and again on XX/XX/XXXX. The representative stated that they are waiting on upper management to make a decision. They are offering nothing to help their customers.
Product: Debt collection

Sent repeated calls asking to link to their website for a collection that is already underway. Using a phone number with too many digits.
Product: Consumer Loan

I financed a XXXX XXXX XXXX XXXX for {$12000.00}. Two months after getting the car the dealership had not completed the inspection, and the engine blew. The dealership told me the warranty had to pay for the repairs and the warranty company said that the dealership was responsible since i had just got the car. I paid XXXX out of my pocket to pay for the repairs. This was only the beginning. It is XXXX and to date i have paid {$12000.00} in repairs as well as XXXX in finance payments. Currently the vehicle still needs repairs and the finance company is charging all types of interest. I contacted the XXXX to file a complaint with the company since the vehicle had not been inspected and after looking at my paperwork ( contract, Title, and registration paper ) i noticed that at the time i bought the car the mileage on the title was different than the mileage that was on the car and the contract, as well as the " Owner '' signature on the title transfer. The XXXX advised me to seek legal help. 

The dealership ( XXXX XXXX XXXX ) and the finance company ( United Consumer Finance ) conducted illegally and now i am in a bind with a lemon for a car and no money.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the U.S. Bankruptcy Court record currently listed on my credit report. Upon review, I have identified inaccuracies in the way this information has been reported and verified. 

As stipulated under the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the original creditor, it must remove said information from the consumer 's credit file.

In this case, the original creditor would be the U.S. Bankruptcy Courts. However, I have received a letter from the bankruptcy court confirming that they do not furnish information to credit reporting agencies, nor do they validate or confirm public record entries. Similarly, documentation from XXXX states that it could not validate this public record information. 

It is clear that public record information, including bankruptcy cases, is obtained by credit reporting agencies or third-party providers without validation from the Recorder of Deeds or the U.S. Court system . This practice violates 15 USC 1681e ( b ) and the FCRAs privacy provisions.

Additionally, Experian is in violation of : 15 USC 1681b ( a ) ( 2 ) : Furnishing information without my consent.

15 USC 1681c ( a ) : Excluding outdated or unverifiable bankruptcy information from consumer reports. 
Your failure to validate or verify these public record entries is a breach of your legal obligations and constitutes fraud. As a result, these inaccuracies are causing me significant harm by preventing access to credit, thereby negatively impacting my ability to support my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America keeps reporting a hard inquiry on my credit bureau reports from the 4 major credit bureaus, that is outdated.

The date of the inquiry isXX/XX/2016.

This is hurting my credit score and needs to be deleted.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX made an initial dispute with this creditor over the amount of the loan {$2100.00} made {$2900.00} in payments made to satisfy the loan and now its reporting that there is a {$610.00} balance for a loan reported as collection/ charge off. The creditor falsely responded to my complaint stating loan amount {$2600.00} complete inaccuracy and intentional misrepresentation of the facts.
Product: Debt collection

I am filing a complaint against XXXX for failing to properly investigate my request for securitization verification, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ), which requires a thorough investigation and the provision of documentation for verification. 

Details of the Situation : Account info Account XXXX XXXX XXXX XXXX Account XXXX Request for Securitization Verification : I submitted a request to XXXX to verify the securitization status of an account listed on my credit report. My request was based on the need to confirm compliance with 15 U.S.C. 1681i ( a ) ( 5 ), which mandates that credit reporting agencies must provide documentation proving each transfer and ensure proper securitization of the debt. 

XXXX XXXX : XXXX responded by verifying the account as accurate and meeting FCRA guidelines, but they did not provide any supporting documentation or records regarding the account 's securitization or the transfers that occurred. They failed to provide evidence proving each transfer and compliance with proper securitization protocols. 

Failure to Comply with FCRA : Under 15 U.S.C. 1681i ( a ) ( 5 ), when a consumer disputes an item on their credit report, the credit reporting agency is required to " reinvestigate the disputed information '' and provide " all relevant information '' that substantiates the information being verified. By failing to provide the requested documentation on the securitization process and transfers of the debt, XXXX did not properly investigate my dispute or provide the necessary evidence. 

Securitization and Transfer Documentation : I specifically requested documentation that proves the securitization of the debt, along with records for each transfer of ownership, to ensure that all proper transfer protocols were followed. 15 U.S.C. 1681i ( a ) ( 5 ) requires that such documentation be provided when the consumer disputes the information, and XXXX has failed to comply by not providing this information. 


Impact : XXXX failure to provide any documentation related to the securitization of the debt or the transfer of ownership of this account means that they have not fulfilled their obligations under the FCRA. This has left potentially inaccurate information on my credit report, which negatively impacts my creditworthiness and financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 all of the above , have violated my rights. 
15 U.S.C 1681section 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Southwest Credit Systems is reporting a fraudulent account on my credit. I didnt authorize anyone to open this account using my information. PLease see the attached FTC report and remove it from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I rised a dispute to Experian credit report company to make a correction in my credit report on XXXX company reply me on XXXX We had received your email with all the necessary information and raised it with the financial instituition. We are awaiting the response from the bank for us to resolve the same at our end.The regulations governing the dispute resolution process gives us 30 days from the date of the details received to resolve the same basis the information received from the financial instituition. so far problem not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked this company several times to correct the personal information on my credit report. It has been such a struggle to get them to report the correct information. You continue to report addresses to my profile that i have not lived at. I will attach again the only and proper name, and address that should read on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/1977 XXXX XXXX is my only employer. 
Please correct this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Equifax has in error XXXX XXXX the wrong amount of Loan as {$27000.00} which is wrong in in error by Equifax. 

My original loan was : XXXX not {$27000.00} as stated or showing on my credit report by Equifax. 

Equifax has in error to there reporting as stated on my credit report and information obtain or gathered as false and created by Equifax in error or obtain wrong by Equifax. 

XXXX XXXX did not supply delinquency information correct as stated by the letter I 'm providing as in XXXX : We did not supply delinquency information to credit reporting agencies. 
There XXXX XXXX is the originator of the loan and the owner of this account. 
And as stated XXXX XXXX did not have this loan as Equifax has for years XX/XX/XXXX,XX/XX/XXXX so Equifax reported for in error because the loan was transferred as stated by XXXX to this loan. The information Equifax has showing is in error and false by Equifax as stated by chase there was no loan in XX/XX/XXXX,XX/XX/XXXX as stated by Equifax Documents and loan amount provided by XXXX as proof. Loan was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all 3 credit bureaus on XX/XX/2023 updating my personal information that is inaccurately being reporting on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 30 days and I have not seen any changes. My information is still inaccurately being reported.
Product: Credit reporting or other personal consumer reports

I looked up my credit report on XX/XX/year> and sent letters to Equifax. my tracking numbers are XXXX, XXXX, XXXX. They said the information did not match what they had on file and requested additional documents. It is clear they did not read or attempt to process these disputes. They sent an automated letter to stall. I have attached the highest identification documents possible on the letter. The additional documentation they requested was already provided in the letters. items sent was passport, social security card and a bill for proof of address. This has been extremely damaging to me as it has been over 90 days. these inaccurate items has caused me to be denied credit. I have done everything in my power to try to fix the situation with nothing being done. This is my last effort before seeking litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIT XXXX XXXX XXXX XXXX to a willing person, it is not a wrong SOUTHWEST CREDIT SYSTEM company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


Furthermore you have no jurisdiction or authority to collect on this allege debt. 

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You SOUTHWEST CREDIT SYSTEM knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXXXXXX XXXX XXXX XXXXXXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Product: Debt collection

I disputed a debt from Midland Funding in XXXX of last year and it was removed from all three credit bureaus around XXXX. It was re-reported and placed back on my bureaus approximately in XXXX or XXXX of XXXX, this time with XXXX late payments. I never agreed to make any payments. This debt is more than XXXX years old and I have a Experian credit report from XXXX/XXXX/XXXX showing the Midland funding collection to be removed on XXXX XXXX due to XXXX.
Product: Checking or savings account

On XX/XX/XXXX my daughter had a major XXXX at XXXX XXXX all children 's hospital XXXX XXXX XXXX. My direct deposit that I get on behalf of my daughter was deposited every month between the XXXX - XXXX I got it on XXXX I used XXXXat gift sHop sent her XXXX to her cashapp so she could order online from XXXX. She can't move off bed so all she wanted was to order online. And spent on food in cafeteria. Next day went to use XXXX card declined her card as well declined. So called right away they told me I was in violation but they couldn't tell me nothing more, Told me to call XXXX they sent deposit back to them so I called them XXXX they haven't seen check back had no clue wat I was saying. So finally as of Tuesday I was able to go open another bank account as cashapp still has my account in a negative XXXX XXXX won't tell me anything still appealing my account to open back up from XX/XX/XXXX till XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for these following accounts to be removed immediately from my credit report. FCRA, constantly forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. Please remove the following accounts from my report. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from XXXX XXXXXXXX XXXX Account number : XXXX Reported XX/XX/2021 on my Transunion consumer report. Consumer Reporting Agencies have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something As Defined by The IRS.
Product: Mortgage

Green Tree Servicing LLC purchased my home loan from another lender in XXXX 2014. I have been making correct XXXX payments every month since the purchase but am now told somehow I am behind on my obligation ( the account was current and up to date prior to its 'acquisition ' by Green Tree ). My banking statements show the draft amounts and dates since XXXX XXXX, 2014. I have attempted to communicate my concern to Green Tree reps on numerous occasions but they seem to be stalling the resolution process.
Product: Checking or savings account

On XX/XX/XXXX I was hacked on XXXX XXXX for XXXX. I was alerted by Credit Karma that I had been hacked and encouraged to dispute the claim. I called and filed the dispute the same evening as directed by Credit Karma debit. I also requested a debit card because this account has been compromised. I have not received the card. Credit Karma doesnt advocate for its customers.
Product: Credit reporting or other personal consumer reports

I am writing to convey my profound frustration and disappointment concerning the lingering presence of charged-off accounts on my credit report. I have previously raised disputes regarding these accounts on multiple occasions, offering comprehensive explanations regarding the Fair Credit Reporting Act ( FCRA ) violations perpetrated against me. In this complaint, I have gone the extra mile by accentuating these violations with supporting exhibits and attached documents. Despite my persistent efforts to address this issue, these charged-off accounts persist on my credit report, inflicting significant harm on my financial reputation. I strongly implore you to conduct a thorough investigation into this matter, rectify the FCRA violations, and ensure an accurate reflection of my financial history in my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently noticed upon running my credit to purchase a home for the first time that I have a 30 day late payment associated with my credit card account with XXXX XXXX XXXX XXXX. this was back in XX/XX/2018. What happened was months before that I have been paying my balances manually online, and in XXXX had decided to use their App auto-pay on my XXXX for convenience purpose since its how I pay my other cards anyways. The transition to auto-pay was not as smooth as it did not take my payment for that month and it is understandable since the app did not have my correct statement ending balance so it will not take my payment. I had called XXXX customer services regarding this matter during XX/XX/2018 and it was a recorded call. In that conversation, I had told them what had happened and the reason why the payment was late. The customer representative at that time apologized for the inconvenience and had waived the late fee I had incurred. My payments were never late before and after this occurrence with any account I have under my name unless there was an error. 

I contacted XXXX XXXX XXXX XXXX and had asked them why they reported my payment being late for 30 days. I had thought that they would not report this matter because it was a system error on their end that resulted in my payment not being processed on time. I had explained to the agent what the conversation was during that time and what our resolution was but the customer representative had told me that she can not do anything but will tell her supervisor regarding the matter, I had closed my account with them because of this upsetting situation I have been a responsible account holder for years and was misled to believe that they had fixed and acknowledged that it was a system error but reported me to the credit bureau anyways.
Product: Debt collection

XX/XX/2022 they collections account was a result of identity theft. Both original creditor, XXXX XXXX, and collection agency, XXXX XXXX XXXX XXXX XXXX, both closed my account with non-monetary relief after my complaint for the collection account in the amount of {$800.00}. It is now reporting to the credit bureaus with a new collection agency, Credit System International.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen XXXX 2017 and reported to authorities, 7 year freeze placed. 
Citibank NA reported three inquiries to XXXX, all fraudulent. All other creditors corrected/updated information with three credit bureaus but NOT Citibank. 

I disputed with XXXX and Citibank reported " inquiries are a factual record of file access '', which THEY ARE NOT. I tried calling both numbers provided by XXXX to contact the creditor in order to dispute the unauthorized access. First, called ( XXXX ) XXXX, referred me to ( XXXX ) XXXX, customer service stated Citibank NA was a credit card company and to contact ( XXXX ) XXXX. Both times I actually reached them, they hung up on me BUT not before telling me applications can only be seen for 60 days, so even if applications are fraudulent, can not be removed if made over 60 days ago. Unreal.