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

I have 2 accounts that are reporting on 3 of my credit report ( program support center {$24000.00} and another for {$24000.00} ) The name was changed to program support center in 2019 which the name reporting on my credit prior to XXXX  was XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the exact same amount. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  and they sent me a letter stating that I do not owe any such amount that is reporting on my credit. They also sent it to the credit bureaus. Plus I have sent it to the credit bureaus with disputes but they removed only one, and still have one reporting as current now on my credit report. which I do not even make payments nor did I ever have any such loan. The Program support center {$24000.00} should not be on my credit because it is not mine. I believe it the credit bureaus that are not doing their job because I spoke with the actual creditor that reporting on my credit and they said it should be on my credit. This is really destroying my life and I need your help in this matter. 
I have sent a dispute letter to each credit bureau in which I will enclose one of them to show what I sent to each one
Product: Checking or savings account

I spoke to a representative at Bank of America on XXXX/XXXX/XXXX on XXXX occasions. The first XXXX informed me that the extensive holds that they had on my funds XXXX in the amount of {$1000.00} was scheduled to be released to me on today which is XXXX/XXXX/XXXX and checking my account online before going to bed i see where the {$1000.00} was no longer there it was combined with another hold showing {$2700.00} on hold which all of these hold began on a XXXX XXXX deposit in the amount of {$6800.00} that is in violation for holding this long. There is also a hold in my savings account in the amount of {$3800.00}. This has caused a hardship and lot of stress and mental anguish on me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an item on my credit report that does not comply with the Fair Credit Reporting Act ( FCRA ) guidelines and is not accurate. According to the FCRA, all information on my credit report must be 100 % accurate, and this particular item clearly falls short of that standard.
Product: Debt collection

I was contacted on my personal cell phone by a XXXX XXXX from Revenue Group. I had to ask multiple times who was contacting me. She rudely advised and then stated tried to ask about someone else - XXXX - who may have had the same address as me. I advised that I do not know the person and then she continued to ask for my address. She then rudely said " ok, bye, bye, bye and hung up '' after what she needed my information for. I would like to seek legal council. I am sure my cell phone carrier can pull a record of this call. Very rude and the debt does not belong to me additionally, the individual that they are inquiring about information has also been compromised.
Product: Debt collection

I was recently taken to arbitration by a third party LLC company who apparently bought my debt of {$4900.00} from XXXX for an unspecified amount. I represented myself and indicated that not having signed any agreement with Crown Asset management LLC but was informed that it is a legal. Would you please confirm if this is legal and what options I have to have this third party cease from pursuing this claim.
Product: Credit reporting

There are multiple credit inquiries that I did not approve. The only ones on here I did approve were XXXX, XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i received a copy of my credit report and noticed some hard inquires that i don't recognize. 

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

I have been disputing fraud ACCOUNTS on my credit report. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately! 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$62.00} XXXX XXXX XXXX Balance : {$40.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00}
Product: Credit reporting or other personal consumer reports

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 Subject : Complaint Regarding Unreported Rental Payments by TransUnion Dear CFPB Team, I am writing to formally submit a complaint against TransUnion regarding their failure to update and report my on-time rental payments for XX/XX/XXXX and XX/XX/XXXX. This action, or lack thereof, is a violation of the Fair Credit Reporting Act, specifically 15 USC 1681.

Under 15 USC 1681, consumer reporting agencies like TransUnion are required to maintain accurate and up-to-date information regarding a consumer 's credit history. The failure to report my on-time rental payments undermines my creditworthiness and may adversely affect my XXXX XXXX. 

I have attached screenshots of my rental payment records for the aforementioned months, which clearly show that these payments were made in a timely manner. These documents serve as evidence that XXXX reporting is inaccurate and does not reflect my responsible payment history. 

I kindly request that the CFPB investigate this matter and take appropriate action against TransUnion to ensure that they rectify this issue by updating my rental payment information in accordance with federal law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Mortgage

On XX/XX/XXXX I contacted Planet Home Lending to discuss why my mortgage payment was increased over {$400.00}. I was told it was because my escrow payments were not being collected at the current rate. On XX/XX/XXXX, I contacted XXXX XXXX tax office and they told me that wasn't true and that the correct amount had always been sent to them for payment. I requested a copy of my original closing disclosure from Planet Home Lending and on that signed document dated for XX/XX/XXXX, it shows the correct amount being collected and included in my monthly payment. In XX/XX/XXXX when my payment increased, I thought it was due to any late fees I hadn't paid over the years and so I paid the full amount, but when I saw in XX/XX/XXXX it still included the increased payment amount, I called them and discovered this information. 

I made my normal mortgage payment for this current month ( XX/XX/XXXX ) but I did not include the addition $ XXXX payment for me to do my research. In doing my research, I discovered that Planet Home Lending has been doing this same thing to other boworrers and some have filed complaints with the XXXX. I did not file a complaint with the XXXX, instead I chose to file my complaint with the CFPB today. Also, I was told by the lender that I have until XX/XX/XXXX to make that additional escrow payment or it was going to be reported to the credit agencies. Can you please assist with getting this corrected. There appears to be some type of deceptive practices going on especially after speaking with XXXX XXXX tax office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 ; XXXX XXXX XXXX Balance : {$8100.00} ; XXXX  XXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX Balance : {$4900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I received a mail letter from XXXX XXXX, notifying me that I had a late payment on my credit card account. I immediately made full payment which was owed on the same day. Then I applied for a home loan equity during XXXX XXXX, and was informed by my loan specialist that a late payment was posted on my credit report for XXXX. I immediately tried to dispute with XXXXXXXX XXXX, considering that the late payment happened in XXXX and I was not notified until XXXX, the same time with when they reported to the Credit Bureau. I also had auto payment set up on that account and it did not work. Even now, I had to manually make payment every month because the auto pay function is still not working. I tried to contact XXXX XXXX  Card member service twice and they only sent me a general response and kept asking me to give them more information, which I already did. I already made request twice to them that the false report has to be removed from my credit report. They did not want to acknowledge the fact that the had failed to give me proper notice within 30 days when the incident happened. I was not allowed the proper time to act on it. 
This false late payment report has hindered me from closing on my equity loan, which resulting in thousands of interest I had to incur during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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 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
Product: Vehicle loan or lease

I had contacted Wells Fargo regarding about my outstanding past due balance. I had contacted them to pay it and try to work with them on this payment but now they had place my car on repossess. They did not send me any notifications of my repossess since my last payment. Now, I have a towing company here to pick up my car. Wells Fargo is stating I am XXXX months behind when the last XXXX months, I did make a payment plus I did not get any notification by mail regarding this at all until now when a towing company shows up to my place and banging on the door. 

How is Wells Fargo going to charge off my auto loan without any notification the last XXXX months from them? I have not heard from them regarding about this charge off or repossession of my car at all from them within the last XXXX  months. Wells Fargo waited until XXXX months later to notify me with a towing company instead. How is this right? This is unacceptable. Wells Fargo is supposed to contact me or notify me by mail regarding this. Now they wont let me explain the situation and wont let me pay my outstanding past due balance to bring my account up to date. 

Wells Fargo did not properly notify a customer of charge off for the last XXXX  months on top of that they are stating my last payment was the beginning of 2024 which is incorrect. 

On top of that, I found out today ( XX/XX/year> ) they entered my information wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

My idenity was compromised while serving oversees. XXXX is currently reporting a account in my name that doesn't belong to me. I demand that this item is removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy Case Number : XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my personal information on Equifax, XXXX XXXX 

My only address is XXXX XXXX XXXX XXXX, VA XXXX. 

any other addresses do not belong to me and need to be removed.
Product: Credit reporting or other personal consumer reports

Regarding erroneous information reported on my credit report, I filed disputes with TransUnion, XXXX, and XXXX. I informed the accounts of the infractions they were committing against my consumer report. They still haven't responded after more than 30 days. I've included copies of every letter you sent below. 

By neglecting to designate this disputed account as disputed, this company has broken FCRA 623 ( a ) b ).

The date of the last activity on this account is reporting, so if the period has also been broken, 605 ( c ) is running. when the most recent payment date ought to be displayed.

The FTC believes that this company has consistently violated FDCPA 809b by failing to validate this collection account.
Product: Vehicle loan or lease

I have had an auto loan with Credit Acceptance sinceXX/XX/2019. I was XXXX at the time and didnt know any better when I got the car. They sold it to me for XXXX, but somehow by the time I signed the contract I owed {$19000.00} and now ( 4 years later ) I still owe roughly {$5000.00}. For about half a year now, I have been trying to get a new vehicle because I now realize I way overpaid for my car. I was told at the dealership, when I bought it, that in a couple years I could refinance my car, only to find out after a couple of years that Credit Acceptance doesnt refinance cars. I have had a hard time getting it refinanced through anybody else ever since. I have also tried selling and trading in my car, but everywhere I turn, I cant even get payoff for my car due to how much I overpaid for it. I am struggling making my payments and I can not get out from under this car. I am not the only person I know in my town that bought a car from these people, only to severely regret it later. I wish I wouldve had someone to guide me when I got this car, but I didnt and now 4 years later, Im still paying the consequences.
Product: Credit reporting or other personal consumer reports

Why do you keep on closing my complaints?! I've had submitted XXXX complaints now, they are both closed immediately and marked as no longer action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Mortgage

The Circuit Court of XXXX County started a foreclosure proceedings process while I was under the protection of Federal Bankruptcy Protection. And they furthermore, granted the banks J. P. Morgan Chase, N.A., and XXXX XXXX, XXXX, ( The Trustee for J.P. Morgan Chase ) who actually filed for the foreclosure proceedings which was an illegal act in and of itself! 
There was evidence of bank fraud and the case was heard by a circuit court judge without me being present for the proceedings nor was I notified of said proceedings. The way I came to know about all of this is when a process server taped a notice on my door, rang the doorbell and ran back to his vechicle and drove away. So, I never had a chance to face my accusers, which is a violation of my constitutional rights. And, the process server gave false affadivit stating that he served the homeowner and that was not true either. I tried to obtain justice in the Federal District Court but the case was repeatedly thrown out citing the lack of subject matter jurisdiction each time. It was never on the merit of the preponderance of evidence that I provided to the court for remedy and recourse. The Case No. # XXXX, and the XXXX Court dismissed the case also citing lack of subject matter jurisdiction.
Product: Credit card or prepaid card

Bought a guitar online, thought it was XXXX, but it must have redirected me to another place. Never received item, no response to my emails to the seller, so I filed with paypal for a refund. They sent me a confusing email about how I filed this complaint with my financial institution. 
ITS SAYS IT WAS PAID THRU PAYPAL CREDIT. 
They even charged me a {$6.00} fee. Looks to me that they are the bank. 
I just want my money refunded.
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 and multiple FTC Reports regarding the account that do not belong to me. 

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

Im disputing the XXXX XXXX XXXXXXXX - XXXX account below. The bank is reporting this debt as a charge off and no payments have been made. I have attached proof that this account is being paid on monthly and that the balance is wrong. 


XXXX XXXX XXXX  {$24000.00} Closed 28 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XXXX  XXXX Past due amount {$24000.00} Original loan amount {$45000.00} This information isnt correct, I have stated that there is incorrect information that needs to be corrected or removed. You should list out the inaccurate information in your letter. 

If the incorrect information cant be verified, remove the charge off. 

I will be contacting a lawyer regarding this because you have been reporting false information for more than a year.
Product: Debt collection

Chex Systems has me in there Chex System in which I don't owe XXXX XXXX any money and Chex Systems has me in there system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted at least 8 disputes this year to Transunion and XXXX regarding a duplicate account on my report they have never investigated this fully and when they do the account gets removed only to be put back on my report the next month the account with XXXX XXXX  is for the same amount to report it twice the company XXXX XXXX changed the date of the amount which is also not correct. After multiple complaints to the credit agencies and PC they say they will fix it but never have and this has been going on for over a year. A duplicate account is on my reports from Pro Collect and the agencies refuse to properly investigate it.
Product: Credit reporting or other personal consumer reports

Trans union XXXX and XXXX are reporting incorrect information on my credit report with out my consent i would like all three to remove all negative reportings
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid in full over one year ago