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

Equifax refuses to acknowledge that I have Fraudulent inquires on my report even after disputes they refuse to remove. I have included fraud reports and they have left inquires such as XXXX XXXX XX/XX/2019 XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 These inquires need to be removed under the FCRA identity theft terms.
Product: Payday loan

I had a online payday loan with XXXX a few years ago after making several payments, I fell behind on making payments. I started to get harassing phone calls at home, work and also friends and family started getting calls regarding this loan after a while they stopped. On XXXX 2016 I noticed a collection on my credit reports from Midwest Recovery Systems for {$1300.00}, they never sent me any paperwork validating the terms of this loan or the amount owed. I only borrowed {$500.00} and I paid most of that back.
Product: Credit card

I have a statement to prove the following information and I would like the opportunity to send this proof to you. This company fortiva retail credit is a company. I have a credit limit of {$3000.00} for some furniture I purchased for my daughter. I paid this credit card off completely with a XXXX balance plus an additional {$100.00} overage. Fortuna then sent a interest charge fee of {$49.00} to my credit card statement stating they have returned my XXXX and please pay this {$49.00} plus and additional fee for a late payment on the XXXX. I contacted fortiva and explained to them that I have not received XXXX check, they still had that money and if there was an annual fee that they suddenly decided to have which I was never given Any knowledge of they could take it out of that XXXX and XXXX well they never did and they have continued to charge me. bill is now {$120.00}. and they've never sent me back my original XXXX. I have a bill statement in front of me that shows what I'm saying and I would love to know how they can charge me a late fee on money they owe me
Product: Debt collection

The debt company name is medical data systems. The balance date is XXXX XXXX i tried emailing the company numerous times but to no avail. I called the number provided but noone answered. I called the original creditor which was advent health central florida and no file was provided when i provided my social security number.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disbelief regarding the charge-off listed on my credit report for account opened on XX/XX/year> at XXXX XXXX XXXXXXXX XXXX This entry is not only inaccurate but also unjustly damaging my creditworthiness and overall financial reputation. 

I dispute the charge-off status associated with this account for the following reasons : According to my financial records, I have consistently met all payment obligations related to this account. The charge-off entry is completely erroneous. I have never received any notice or communication from your office indicating missed payments or delinquencies. I demand a full review and correction of this false reporting immediately.
Product: Debt collection

Received a letter to pay debt. I have no knowledge of this debt. And on the debt validation letter my signature is forged with inaccurate information.stating I signed this arbitration agreement XX/XX/year> I wasnt going by XXXX XXXX at that time. Thats how i know this letter is fraudulent. Also the address listed Ive never lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

15USC 1681 Section 602 States I have the 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 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: Checking or savings account

I have been hacked 3 times while using Current Bank. Somebody takes money from my account using my virtual card and whats awful is it can take up to 90 days before they can give the money back because of their seemingly faulty system. 

All info is in the screenshots.
Product: Debt collection

This company continues to harass me over a debt that's fraudulent. I've provided them proof of this on numerous occasions. In fact, the debt was proven fraud and deleted from the bureaus, but this company had it added back on which is illegal and a violation of my rights. This is causing me great anguish and I'm considering litigation. Please help me put a stop to this madness.
Product: Mortgage

Too who it may concern. This is my 2nd mortgage. I'm current on my 1st loan with XXXX XXXX who modified my loan. I fail behind a few years ago and I'm unable to catch up. I paid a 3rd party to help me modified this loan, however they took my money. I'm scared and don't want to lose my home. I'm the only one working and my wife and kids need a home. I reached out to Franklin Credit for help and requested a settlement. My request was denied so I applied for a mod. I was approved, however they requesting a down payment of $ XXXX which I can't come up with. I counter with $ XXXX and I was quickly denied and advised to pay the full amount. My relationship manager XXXX is very rude and aggressive on the phone. I completely understand I owe the debt but I'm not asking for forgiving the debt. I can afford the modification that was offered, however I can't come up with $ XXXX. I'm asking for a reasonable amount for the down payment so my family and I can stay in the property. Please help me save my home. Again, my first mortgage is current and I'm ready to start making payments on my 2nd mortgage.
Product: Payday loan, title loan, or personal loan

I was offered a {$3000.00} loan, then reduced to {$1300.00} to start paying end of the month, and then every 2 weeks to coincide with my pay day, just after 2 weeks they made 1 withdrawal and now they intend to withdraw every Friday
Product: Debt collection

I was double tapped at XXXX by Sprink oaks capitaXXXX. Its happened before I spoke to a supervisor.
Product: Payday loan, title loan, personal loan, or advance loan

Took out a payday loan in XXXX or XXXX of 2019 with Advance America. It was for XXXX dollars or something around there. Before I can get into the store the follow week they charge my bank account by running a check which XXXX covered and I went negative giving me overdraft fees. We'll told them to not do it again I'll be in next weem to repay the loan I had to retake out the loan and add extra money with it to cover XXXX overdraft fees. Next week I come in pay off the loan plus interest little more than {$400.00}. We'll even though I made the payment and paid it off they o erdraft my XXXX account again over {$400.00} and I'm negative close to {$500.00} in my XXXX account because overdraft fees. The company pulled out of XXXX XXXX, Virginia and I tried to get my almost {$500.00} they stoled buy I couldn't as they no longer did business in Virginia. I couldn't paid the XXXX overdraft it went on my credit. I was not able to open a bank account sinc its on my check credit history too I couldn't pay. It cost me around {$1800.00} in total time and money along with damages Advance America done with this little XXXX dollar payday loan I paid them back with interest yet they take more closing my XXXX account and hurting me still till this day.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a distressing matter that I recently uncovered upon reviewing my credit report. On XX/XX/XXXX, I diligently obtained a copy of my credit report from XXXX, only to discover the presence of unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were conducted without my explicit knowledge or consent, and I have absolutely no association with the entities responsible for initiating them. As a conscientious consumer, I make it a priority to regularly monitor my credit report to ensure its accuracy and to safeguard my financial stability. 
I am hereby requesting the assistance of the Consumer Financial Protection Bureau in conducting a thorough investigation into this matter and subsequently rectifying it. I firmly believe that these unauthorized hard inquiries not only breach my privacy rights but also have the potential to adversely affect my credit score. 
More than 30 days ago, I filed a dispute with XXXX regarding these unauthorized inquiries. However, to my dismay, I have yet to receive any confirmation or acknowledgment of the dispute 's processing. Despite providing evidence of the dispute letter sent via XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), no tangible progress has been made in resolving this issue. 
In light of the foregoing, I implore the Consumer Financial Protection Bureau to intervene and facilitate the prompt removal of these unauthorized inquiries from my credit report. It is imperative that this corrective action be taken to restore the accuracy of my credit information and to safeguard my financial standing. 
Thank you for your attention to this matter. I eagerly await your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I received a voicemail from XXXX which in number search appears to be a cell phone. The message left states the following ( the beginning appears to have been cut off ) : '' ... office of MACS. This call is in regards to a possible check protest claim that is scheduled to be placed against your name and social security number. If placed, it could affect any current banking you may have. Please take this opportunity to fix the matter as once it is placed it can not be retracted. Our phone number XXXX. Once again the number XXXX. " I have reported this to the local news authority that keeps track of consumer scams. I have read information online that seems to point this out as an identity theft scam.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I tried to log into Transunion web page : https : //service.transunion.comXXXXXXXX XXXX XXXX XXXX  : Login Web page would not recognize my credentials tho I was using my User Name and Password recorded in a Password Security database where I store ALL XXXX or more logon credentials. Trans Union web page directed me to fill out a new account web page asking for most of my personal data including Last 4 of SSN, DOB, etc. Then, upon pressing SUBMIT, web page informed me my account already existed, just log in. This circular error continues without end. I tried to call on XX/XX/2024, and was put on hold indefinitely without ever getting a human voice during the 30 minutes I stayed with the call. I called again on XX/XX/2024 and selected the TEXT option, received a text to my phone, upon which I entered my problem description, and was placed on hold and I did not receive any response from TU. When checking the text message conversation with TU perhaps 25 minutes later, the entire text message conversation was deleted ; there was absolutely no text record of ever being contacted by TU. With the recent reported SSN data breach, it's more important than ever to verify my credit account, and I can not access Trans Union regardless of how often, and how long I try to contact Trans Union!!!!
Product: Mortgage

I request a finance quote on the around XX/XX/XXXX, and they gave me one quote on XX/XX/XXXX, that quote as expired, and I needed another one to be send in, and they told me, the system is down and do n't know when it will be up, and running. I told them I needed it by tomorrow, and they keep telling me they do n't know when, the system will be up and running, it can be any time. But if I do n't get it by Friday. It is going to cost me money I do n't have, and a lots of grief, I do n't want.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies and XXXX XXXX letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.There is False bankruptcy information showing on my report which is inaccurate. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted.
Product: Credit reporting or other personal consumer reports

I am writing this request to CB/VICSCRT that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 

- Incorrect Name # XXXX : XXXX XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : My current residential address is XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Florida, XXXX. 


XXXX. Wrong Date of Birth : XXXX  My Date of Birth is : XX/XX/year> Wrong Employers : - Wrong Employers XXXX : NONE My employers is XXXX XXXX XXXX XXXX. 
. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the accuracy of several items on my credit report. These items were previously investigated and successfully removed from my XXXX credit report between XXXX and XXXX of XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report.

Additionally, under Section 623 ( 15 U.S.C. 1681s-2 ) of the FCRA, furnishers of information are obligated to report accurate information to all credit reporting agencies. Since these items have been deemed inaccurate and removed from my XXXX report, the same action should be taken by XXXX and TransUnion to maintain accuracy and consistency across all my credit reports. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) emphasizes the importance of accurate reporting by debt collectors. Under Section 807 ( 15 U.S.C. 1692e ), debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt. This includes the reporting of false information to credit bureaus. 

The items in question, which should also be removed from my XXXX and TransUnion credit reports, are as follows : XXXX. Item : Address XXXX XXXX XXXX XXXX ; XXXX - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : XXXX XXXX ( collection ) - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : Inquiries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : XXXX XXXX XXXX  - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> I request that you reinvestigate these items and remove them from my credit report. Attached you will find all relevant documentation supporting my claim, including correspondence and my credit report from XXXX showing that these items have been deleted. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these items have been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX provided internet services at my previous address ... XXXX XXXX XXXX XXXX, Mi XXXX. In XXXX of XXXX, final payment resolved for the full remaining balance owed on the account for the services rendered, after the home had been sold. Harassing calls and letters from XXXX XXXX followed one month after services were disconnected by me and shortly before the final payment had been made. The company is stating that I owe money for equipment that was used for the duration of the internet services. There is not an existing or past contract that was signed or agreed upon, by me nor any other member of the household for the rental or leasing of the equipment at my home. I paid in full for the services and or any equipment as stated on my monthly bill. I have contacted IC Systems Inc. twice in writing regarding my dispute. I have specifically requested that they produce and submit back to me any signed contractual agreements where it indicates that I understood the equipment was leased, including amounts owed and other pertinent details. I have not received any responses back as of XX/XX/XXXX. To further add injury in my claim against this company, they are now reporting twice as a collection account, through a different company, XXXX XXXX Solution. For the same amount but with a different account number. I feel harassed and bullied by both companies in a retaliatory effort upon ending services. It is heavily affecting moving forward by falsely reporting to the credit bureau and not responding to my request. I need help and some resolve in this matter. I am asking that you demand from both IC Systems, XXXX XXXX and XXXX a proven contactual agreement, in which I am certain they do not have, or they remove both collection accounts from my credit report. I am hoping they will comply with your request. No company should be able to do as they wish in regard to falsely reporting to credit bureaus. I work very hard in keeping my credit payment history in great status and this is the only collection account on my credit report. Falsely reporting is intentionally misrepresenting my payment history which is FRAUDULENT.
Product: Debt collection

I was a XXXX patient an it looks like XXXX XXXX sent me to collection for {$810.00} to PlusFour , Inc. XXXX XXXX should not have billed me and PlusFour Inc. should not be contacting me about this debt. This should have been covered by XXXX or dissolved if they didn't pay it. Thank you so much!
Product: Credit reporting or other personal consumer reports

XXXX XXXX services decided in XX/XX/XXXX to update my payment history on my Equifax credit report to show I was delinquent XXXX, XXXX, XXXX, XXXX, XXXX of of XXXX then made payments XXXX & XXXX XXXX and XXXX & XXXX ' XXXX The loan was successfully paid off XX/XX/XXXX. 
XXXX different representatives verified there were no late payments from XXXX XXXX and loan was paid in full XX/XX/XXXX Refusing to update my credit report and/or send a letter. This is causing an new home loan, FHA to be denied
Product: Credit reporting, credit repair services, or other personal consumer reports

When I first started working on my credit in XX/XX/XXXX I had a collection on my report from XXXX XXXX for a XXXX account that was listed under a name that I had never done business under, XXXX XXXX ( my maiden last name is XXXX ). This account did not belong to me, I disputed it and it was removed from my report. On XX/XX/XXXX I received an alert that this debt was added back onto my Transunion credit report from a company by the name of XXXX XXXX XXXX. I disputed it right away as this debt does not belong to me AND I was never notified of this debt being re-inserted onto my report, which legally I am supposed to be notified in writing by the credit reporting agency within 5 days that something will be re-inserted. Transunion failed to send me anything regarding this. I disputed it right away with Transunion stating this and that the debt does not belong to me and after only 4 days of investigation they have returned the result that this debt has been verified as accurate. This debt does not belong to me and was illegally re-inserted on my report. In addition I have received nothing in writing from XXXX XXXX regarding this debt, therefore I was not given the chance to request validation of this debt.