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

The XXXX XXXX XXXX XXXX collection first appeared on my credit report in XX/XX/XXXX by XXXX XXXX XXXX XXXX. I immediately contacted the phone number listed on the report. I was informed that the account was opened in my name in XXXX, XXXX in XX/XX/XXXX. I lived in XXXX, XXXX at the time and was in the process of relocating to California due to military reassignment. I advised the customer service representative that I did not open or authorize the opening of said account. I asked the representative what documentation was used to determine I was the individual requesting the account. She said accounts opened online at that time requested no proof of identity. She explained that I could pay the balance in full with her but there was nothing else she could do. I hung up and drove to an XXXX XXXX XXXX store location in XXXX California. The representative at the store had no record of an account in my name using my Oklahoma drivers license. He advised me to contact the fraud department. I called the XXXX XXXX XXXX fraud number but it only included an automated message which provided no real help or resolution to my problem. I disputed the collection and it was removed from my credit report in XX/XX/XXXX. XXXX  again added the collection to my credit report in XX/XX/XXXX. I reached out again and was emailed a fraud packet on XX/XX/XXXX requesting proof of residency between XXXX and XX/XX/XXXX. I returned the complete fraud packet on XX/XX/XXXX, including all requested information and supporting documentation such as my California leasing agreement and utility bills. My fraud claim was denied by XXXX  citing there was not enough evidence to support my claim. I again filed a dispute and the collection was removed from my credit report in XX/XX/XXXX. On XX/XX/XXXX IC Systems XXXX XXXX added the collection to my credit report. I called the listed number and was informed that they simply report and collect debts. I was told to file another fraud claim and hope the issue gets resolved. I asked for all information associated with the account to include the account number, service address, phone number, and email address listed in the file. I called XXXX XXXX XXXX, provided this information in an attempt to determine who could have opened this account. They were unable to help me because I could not provide the account pin, security answer, or answer the phone number listed on the account. I asked to speak with someone in the fraud department and was disconnect from the call. No one ever called me back. I then filed a formal Identity Theft Police Report in XXXX XXXX XXXX which was accepted under the Reference XXXX. I am awaiting a follow up to this report, but have grown tired of simply disputing this collection annually. I am seeking to have this error remedied and pursue legal action against AT & T for aiding fraudulent activity in my name as well as the creditors for harassment, slander, intimidation, and violations of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX XXXX XXXX and XXXX is showing late payments on my credit report. I had paid off my XXXX account in exchange to remove the late payments and they are still there. Additionally, I contacted XXXX and they promised to remove the late payments as well because I am paying on time. Please correct the late payments on both of these accounts. Lastly, There is an inquiry that needs to removed as I did not authorize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get the late payments reversed on this account! I am very upset that I have NEVER missed a payment. I need this adverse action removed from my credit report as I am an XXXX  and this is causing headache to get approved from banks as I never miss my payments! Please remove it IMMEDIATELY. I have attached a bank statement and my identity proving me as the right person, and that I have always paid my payments on time. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Phone : XXXX XXXX Equifax XXXX Account # XXXX XXXX XXXX
Product: Credit card

Connecticut | Discover Card Services | Compliance Issues | Protected Statutes | Fair Credit Reporting Act ( FCRA ) and the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) Discover Credit closed my account XXXX months after approving my secured card, citing my use of a consolidation service called XXXX XXXX as the reason for this decision. This action raises concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ) and the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ).
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation of my credit report and found several items to be inaccurate. 

Under 15 U.S. Cod 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of information concerning the individual about whom the report relates. 

It is my understanding that you will reinvestigate to ensure accuracy. 

XXXX : Account : XXXX XXXX XXXX XXXX : Innovate Loan Servicing XXXX : Personal Information : XXXX XX/XX/XXXXXXXX Employment : XXXX XXXX Bank Addresses Reported : Hard InquiriesXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a request to have multiple inquires that I did not give authorization or have any knowledge of to be removed from my credit report. 
I am told that they are a statement of fact thus they will not remove them. I have provided documents stating that they are not facts or accurate and asked for they removal without success. 
The following inquires are inaccurate and without my consent : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update the payment to be paid on time immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

FAILING TO COMPLETE PROPER INVESTIGATION On XX/XX/2018. 
I received a letter from Equifax stated that they completed an Investigation into accounts I disputed. 
I requested ORIGINAL CONTRACT with my SIGNATURE for proof of VERIFICATION, for [ XXXX XXXX and XXXX XXXX ] Their claim was that the account were. VERIFIED, WITHOUT providing PROOF. 

I file a complaint here at CFPB. 
On XX/XX/2018, I received another letter like the one I complained about, stating the account was VERIFIED. 

The account in question has signature with another last name, not mine. The terms show as 8years, when on contract shows as 6years. 

If original contract was requested, the company would have notices this INACCURATE REPORTING. 

The other, XXXX XXXX, collection for XXXX XXXX, is result of identity theft, which report was filed.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the bellow accounts validity within my consumer report that you maintain under my name and update my report to your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be validated, DELETE from my consumer report. 

ACCOUNT : XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. 
Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now.

I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice. Failure to do so could constitute willful non-compliance.

Please DELETE this erroneous, inaccurate information from my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Debt collection

This company has not yet to provide substantial/credible validation of debt. The company provided a lease with that appears to be an automated FORGED signature of my name. This does not validate that this debt belongs to me. On XX/XX/2023 I requested validation of said debt.This company claims that I visited a local retail store by the name of XXXX XXXX XXXX XXXX Ga, opened a line of credit and agreed to a contract. The lease agreement also reflects a different total amount than being reported to the credit bureaus. Therefore, I am requesting that after reinvestigation that this collection account be removed from my consumer report immediately if substantial/credible validation of this debt is not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Automotive Partners Funding ( also doing business as XXXX XXXX on my credit report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX In regards to account number : XXXX This was an auto loan I was second signer on for my ex-spouse. We divorced in XX/XX/XXXX and in the decree my ex-spouse kept that car and all associated debt, then later that year my ex allowed that vehicle to be repossessed and then skipped out on the debt. 

In XX/XX/XXXX, a law firm in XXXX, AZ, contacted me on behalf of this creditor and despite the divorce decree, insisted that I must pay the debt anyway or have my wages garnished. I have good credit habits, so in order to protect my credit, I negotiated a settlement with them of {$5000.00} to ensure the account never went on my credit as a garnishment or unpaid debt. This account was " settled in full for less than the balance owed '' on XX/XX/XXXX. I obtained a letter from the legal firm, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX - ( XXXX ) XXXX, stating this fact. I thought it was done and behind me. I have attached that letter to this complaint. 

Unfortunately, this loan company has persistently attempted to put this back on my credit report ever since, sometimes posting as a charge-off, other times posting as still owed debt of $ XXXX, and most recently in XX/XX/XXXX, they posted it on XXXX  as a COLLECTIONS account with $ XXXX owed on it. I have repeatedly disputed this and had it removed multiple times. Each time, it is gone for a while and then it comes back again. I have attached an image of how my report looked in XXXX with XXXX due and as a PAID CHARGEOFF ( which is how it looked after I last disputed it ) and another image of how my report looks now in XXXX, where they have now reversed and posted it as a COLLECTIONS account owing {$10000.00}. 

This has got to be illegal? It is false information that is being put on my credit report. They know it to be false information and keep posting it. I settled up with them in good faith and did the best I could by them for a debt that wasn't even mine. They are not honoring that settlement and are harassing me via my credit report ever since. 

XXXX XXXX ( formerly XXXX XXXX )
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered t hat PHOENIX FINANCIAL SERVIC #   XXXX  has furnished some items that have unverified information. I believe under the  Fair Debt Collections Practices Act, I have the right to request that you allow   me to validate the alleged debt. I am aware that there is a debt from   XXXX   XXXX   XXXX   but I am unaware of the amount due and your bill does not include a breakdown of any fees.   Additionally, I am allowed under th e HIPAA l aw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF    1996 ], to pro tect my privacy and medical records from third parties. I do not recall giving permission to   XXXX   XXXX   XXXX   to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but it is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt,  and HIPAA  authorization.     1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
3.Cease any credit bureau reporting until debt has been validated by me.
4.Please send this information to my a  ddress listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.   Please note that falsification of the information you received from any medical provider can be percieved a  s a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a    collection agency
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report on XX/XX/XXXX. I saw a late payment that should be reporting on time. On XX/XX/XXXX of XXXX I spoke with XXXX XXXX with XXXX and we discussed that I wouldn't be marked late because of the Pandemic as long as I brought the account current for the amount of {$27.00} which I had done. I sent a letter to Transunion to get this fixed but they still said everything is reporting correctly. But it is not. Can you help me with this situation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX PORTOLIO RECOVERY, XXXXXXXX XXXX XXXX XXXX has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

I spoke with a supervisor and many of people in XXXX about the payment ahead that was lost everybody can see it on the screen and XXXX of XXXX but nobody can apply it but a supervisor. The supervisor said she put it towards my escrow that was a complete lie because it never was there in XXXX XXXX XXXX and so forth. So let 's just State for the record XXXX and XXXX in XXXX was who I went XXXX for {$44000.00} loan. They sold me to XXXX 's XXXX specialized Loan Servicing LLC in XXXX in XXXX I paid my first payment to them in XXXX I've been a payment ahead since XXXX before they even thought of buying my own or as XXXX and XXXX say they transferred me but it means sold but I guess I don't know what a dictionary is because it means two things sold and transferred. Now since I've been with them this is been a horrid XXXX nightmare I can tell you that much. I went through my general attorney got nowhere I have submitted a large package to the Consumer Financial Protection Bureau and gotten where I am right here today every bit of evidence was in there my check statements their statements taxes everything I canceled one check because I sent it to Texas it was for the escrow repeat for the escrow of this house I paid them {$3500.00} in escrow in the year of XXXX, which is twice the amount. Now I am getting complaints basically they're defacing my credit and this is just absolutely unacceptable and I am going to pay my own insurance because they can't even keep track of my payments I will start paying my own taxes in XXXX as well I've been here XXXX years and there's only {$6000.00} paid off on my house I think there's something extremely wrong with this picture people that is a fact and every time I try to call these people I get know where computer shares is in your guys 's system in the government is like XXXX companies they are all red flagged as do not deal with them XXXX and XXXX knew what they were doing when they sold me to SLS XXXX XXXX so no this is just this is wrong completely wrong to be sold to a another country third-party the whole XXXX yards and all I've done is sit in my house and pay my mortgage on time and even a payment ahead and I proved to you people in that envelope that I am still a payment ahead and I always will stay a payment ahead my bank statements were in there and my mortgage statements were in there these are the all the checks that I wrote them and the days that they wrote them on if I can submit the paper the pictures that I have and then of course it states on the XXXX XXXX XXXXXXXX that they sent me that I basically started the loan with them and that's a lie.
Product: Checking or savings account

Ive been a USAA member for 18 years and have done everything through them. My account was closed abruptly and no information was given. I pleaded with them to give me grace as I am the breadwinner for the family. They refused to give me any information and said my funds would be frozen for 60 days plus 7-14 days to receive a check with my money. I NEVER had an overdraft. Ive never been delinquent. I was a loyal customer who was thrown to the curb like trash. Beyond disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. Capital One Account XXXX, XXXX XXXX Account # XXXX,
Product: Credit card

paid balance in full XX/XX/2023 including charged late fee. Comenity proceeded to charge interest and late fees for 6 months on nothing but the interest on late fees. Called and closed on XX/XX/2023. Comenity refused to address the situation and reverse all late fees and interest on the late fees which shouldn't have been incurred due to the balance already paid in full.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning incorrect personal information on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management I do not have contract with this company, I do not owe this company. They continue to send deliquent information to the reporting credit agency showing that this charge was just opened. This has been going on for more than 2 years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

not authorized on XXXX-2017 ally finani made a un authorized inquire need to be removed i tryed to contacted them on this issue and the will not cooperate with me there no proof this is mine and it needs to be removedif you can not show the documents for this must report to XXXX XXXX and XXXX that it needs to be removed from my files
Product: Debt collection

I am XXXX XXXX and I'm submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer, a natural person and the original creditor of an open-end credit plan, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I see 3 unauthorized synchrony bank Inquiries on my credit report. First one on XX/XX/XXXX second one on XX/XX/XXXX and third one on XX/XX/XXXX. I never requested or authorized anything from synchrony bank and I never authorized synchrony bank to pull my credit for these 3 inquiries. I need these 3 unauthorized inquiries removed immediately of my credit report because they are impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX : {$1000.00} EOS CAA : {$600.00} XXXX XXXX XXXX : {$650.00} The XXXX XXXX : {$830.00} XXXX XXXX XXXX  : {$1900.00} XXXX XXXX XXXX {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.