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

I recently found a copy of my credit report from  XXXX . This is the year I filed the medical malpractice law sue. My date of birth have been changed to  XX/XX/XXXX . My employers shows  XXXX ,  XXXX ,   XXXX   XXXX   XXXX  . That year my address was   XXXX   XXXX   XXXX    XXXX  TN  XXXX . Reported  XX/XX/XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN  XXXX , reported  XX/XX/XXXX .   XXXX   XXXX    XXXX  TN  XXXX . Reported  XX/XX/XXXX . I was discharged from wage earner  XX/XX/XXXX  Case number  XXXX . I filed bankruptcy in  XXXX  case number  XXXX . There was a judgement in  XXXX , that number was  XXXX . I am formerly known as   XXXX   XXXX   XXXX  , aka   XXXX   XXXX   XXXX  , aka   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States that I have the rights 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting or other personal consumer reports

There is a XXXX credit card account on my credit report which is not mine and is showing as late
Product: Consumer Loan

My family had outgrown our Honda and due to the lack of credit, went to Drive Time to purchase a crossover vehicle. While we were thrilled with the high interest rate or 5 year terms, we were told that it would be reported to the credit bureau and that was an ultimate plus in our book. Less than a year after getting the vehicle, I had a XXXX issue and work was not an option. I was forced to apply for XXXX. I applied for a loan to consolidate a few bills and make a smaller more reasonable payment than the {$440.00} I was currently paying and found out that Drive Time had never reported anything until I was late. There were no positive markings from them at all. I ended up defaulting on the loan. I contacted Drive Time made a promise to make good on my loan as soon as I received my XXXX. They informed me if they saw it ... they would take it. 
Moving forward ... I received my XXXX and kept my promise with Drive Time, I paid over {$2500.00} and continued making my payments. They were reporting my payments up until XXXX of 2014 and stopped. The amount was written off as bad debt and my credit score dropped by XXXX points. When I inquired about it, they said they would fix it ... it took over 3 months and instead of fixing it, they put {$1800.00} on my report as a new loan. You would think this would be an easy fix. I kept my promise and did the responsible thing ... the average person would n't have paid off a vehicle that is in default and costs more than its value. Being a woman XXXX XXXX, I feel you get what you put in the world and so I did what I felt was the right thing. It bothers me that Drive Time hasnt. As a XXXX person, I should n't have to make numerous calls, get a run around and no results. As of recently I owe {$550.00}. In XXXX I was offered a pay off of a little over {$800.00} ... which I did n't have. So this month I was told {$400.00} was the best that they could do. I just feel like I 'm being hustled and drug along until the very end of my financial commitment to Drive Time. Yesterday I requested my payment history to show credits I 've received for referrals, late fees etc, so I could dispute with the credit agencies and get it fixed ... was promised it yesterday ... I still have nothing. 

I will forever be thankful for the blessings and Drive Time 's patience ... but the things I 've endured the last few years has made it hard to speak great about them.
Product: Debt collection

On XX/XX/2019, I received a call from Jefferson Capital Systems LLC, in an attempt to collect a debt of approximately {$1100.00} that was owed to XXXX XXXX. However, I do not have any consumer debt nor have I ever had an account with XXXX. Therefore, I immediately suspected that this attempt to collect money was fraud. 

My suspicion was confirmed when I decided to research Jefferson Capital and one of the first results that came up from my XXXX search was " Jefferson Capital XXXX Fraud ''. 

Please take the appropriate action against this company because while I am capable of determining what is fraudulent, other people are not. 

Thanks for your timely attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Transunion has allowed inaccuracies and unfair credit reporting methods, which has tarnished my confidence in the banking system. It is a fact according to 15 USC 1681 ( a ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating my credit worthiness, standing, and capacity. But due to the inaccurate reporting by Transunion my character and general reputation has been damaged. These inaccuracies have caused me pain and stress when it comes to my everyday life as a consumer.

Pursuant to 15 USC 1681 ( e ) I am demanding Transunion to do a proper investigation on the accounts listed below. I am demanding Transunion provide names of friends, neighbors, or my associates who have first hand knowledge of these accounts. If Transunion is unable to obtain the information I AM DEMANDING THAT THESE ACCOUNTS BE DELETED OFF MY CONSUMER REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these companies listed above are third party debt collectors who are in violation of the FDCPA, seeing that they never had my consent to do any business with me. 

I DEMAND Transunion to delete all inquiries off my consumer report. 

I DEMAND Transunion to delete all addresses besides XXXX XXXX XXXX XXXX, MI XXXX I DEMAND Transunion to delete all phone numbers besides XXXX. 

Because of these inaccuracies Transunion has made my life so stressful for finding a place of abode, applying for credit cards, and everything else that involves consumer credit. I am coming in good faith. Thank you
Product: Debt collection

Credit World has been notified on four occasions that a debt they are showing active on my credit report was discharged in a bankruptcy RE : XXXX XXXX XXXX Case No. XXXX. They continue to show it open although the have been notified. I don't even believe the debt is valid as I never received anything with regards to the debt it just appeared on my report and was the ncluded in a chapter XXXX. I have called Credit World three times the were suppose to send me a report showing the validity of the debt which I never received. They need to remove this or so it discharged and not active they refuse to do this. This collection agency is notorious for not abiding by the Fair Debt Laws.
Product: Mortgage

On XXXX XXXX, 2015, I received an alert notification from XXXX XXXX XXXX XXXX. The alert involved Bank of America reporting the following to XXXX, XXXX, and XXXX that following information respectively : Foreclosure initiated ; Foreclosure proceeding started.|Foreclosure proceeding started ; and XXXX account|Foreclosure process started. Bank of America through XXXX , XXXX XXXX XXXX, XXXX and the XXXX XXXX, XXXX initiated a foreclosure process in the Circuit Court for XXXX County, Maryland. Notices of such were sent to me and XXXX XXXX XXXX. Thereafter, a Foreclosure Mediation was scheduled in XXXX 2015 and BOA nor its representatives appeared at the mediation. Therefore, the Circuit Court dismissed the action. Since that time, no other foreclosure notice has been issued and once again, BOA has taken the low road to slander my and XXXX XXXX 's credit by reporting false and malicious information. I seek to have this information removed from both accounts.
Product: Payday loan, title loan, personal loan, or advance loan

This complaint builds on a prior CFPB complaint ( Complaint No. XXXX ) in which I requested Upstart validate a debt listed on my credit reports as " Upstart/Customers. '' Upstart claimed the debt was sold to XXXX, yet XXXXy, XXXX XXXX  and Upstart have all failed to provide any documentation validating the debt.

Since my previous complaint, new evidence has come to light : ledgers from my escrow agent, XXXX, now show payments made directly to Upstart as part of a settlement negotiated by XXXX XXXX XXXX XXXX XXXX. Despite these payments, Upstart continues to deny ownership, while XXXX XXXX  and XXXX XXXX remain unresponsive to debt validation requests. Documents that demonstrate these points are attached. 

Additionally, the XX/XX/year> records from XXXX have inexplicably shown that XXXX has lost alll evidence of the settlement with Upstart, producing new ledgers ( altered? ) raising further concerns about the integrity of the records. Ive issued litigation hold notices to all involved parties to ensure these irregularities are fully investigated. Attached are the escrow payment records and litigation hold notices for the parties. Of note, the lit hold notice for XXXX details the payments to Upstart that were produced by the debt renegotiator XXXX and the escrow company XXXX.
Product: Checking or savings account

I'm unable to use my XXXX checking account as intended. There is a problem where I can't make transfers inbound or outbound and randomly get locked out of my account. When I go to call in, support says they will look into it but never call me back. I want the issue fixed with a fully functional account or the account closed and a check mailed. This " suspension '' is causing ripple effects with other Banks and I have no idea why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED XXXX  XXXX SEVERAL TIMES ABOUT THOSE FRAUD ACCOUNTS THAT DONT BELONG TO ME. I HAVE SENT IN SEVERAL POLICE REPORTS AND COURT RECORDS TO PROVE TO THEM. NOW THEY KEEP SELLING THE BAD DEBT TO OTHER COLLECTION COMPANIES. THE ACCOUNTS ARENT MINE. ATTACHED IS A COPY OF THE POLICE REPORT. NEXT IS IM FILING LEGAL ACTIONS AGAINST PORTFOLIO RECOVERY. PORTFOLIO RECOVERY HAS GOTTEN SEVERAL POLICE REPORTS FROM ME AND NOW THERE REPORTING IT AGAIN ON MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cosigned a car with my ex girlfriend several years ago. She took the car and ran off where the bank and police could not find her. I was threatened by Ali bank to pay for the car when I had no idea where the car was or is now. XXXX XXXX said my credit was XXXX and when trying to purchase a home with my wife, the car with my ex girlfriend is damaging my credit where XXXX XXXX can not see it. The account is closed on credit karma but still affecting me. Ali bank never told me if they ever found the car. I want this entire thing taken off my credit because this is completely unfair and unlawful when I was being asked to pay for a car when the police, the bank, and myself had no idea where it was.
Product: Credit card or prepaid card

I have been with Chase for over 20 years, and I have never experienced the arrogance and disrespect of such a bad as them. When I was in XXXX the country. My debit cards were stolen and were charged almost {$1000.00} from the ATM. They claimed the money was taking out with a correct pin number, but I have no idea how the criminals were able to pick the correct pin number and steal the money. But having said that, Chase refused to pay my money back, the transactions had happened on XX/XX/XXXX and XXXX of XXXX. These transactions were done XXXX after the other as much as seven or eight and I dont understand why Chase did not notify me of peculiar activity or at least send me an email asking if that was me in the transactions especially from a country like XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute of Fraudulent Accounts Identity Theft To Whom It May Concern, I am writing to dispute fraudulent accounts listed on my credit report, which were opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report, and I expect prompt action on your part.

The accounts in question are : 1. 2. 3. 4.

5. 
I did have your XXXXXXXX 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 not open these accounts , and I have already filed a police report regarding this identity theft, which I enclosed with this letter. Additionally, I have highlighted the fraudulent entries in my credit report for reference. 
As mandated by the FCRA, you are required to conduct a reasonable investigation into my dispute and to respond within 30 days of receiving this letter. If you determine that the information is inaccurate, you must promptly remove these accounts from my credit report. Furthermore, under the law, you must notify the creditors involved to ensure they cease reporting this fraudulent information. 
Please consider this letter a formal request for your investigation. I expect you to provide a written response detailing your findings and actions taken regarding my dispute. I also request you put a fraud alert on my credit report for safety measures. 
I appreciate your immediate attention to this matter and look forward to your prompt resolution. If you require any additional information, do not hesitate to contact me directly. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not give XXXX written consent under 15 USC 1681b to furnish anything on my credit report.
Product: Credit reporting, credit repair services, 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 XXXX : XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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, credit repair services, or other personal consumer reports

In XXXX, I was diagnosed with XXXX. Treatment for my XXXX included removing  a large portion of my XXXX, basically I paid a XXXX  to remove a huge area of my XXXX. The XXXX  specialized in XXXXXXXX the area to make me look less XXXX after the XXXX. Unfortunately, there were serious problems with the XXXX  and I walked around for a year with a XXXX XXXX on my XXXX. This was very upsetting but I was happy to be alive and XXXX free. I notified the XXXX  about the XXXX XXXX on my XXXX  and eventually agreed to redo the XXXX. After 1 year and 3 months, two painful XXXX, and weeks of wearing huge bandages on my XXXX, I was satisfied with the results. 

The total bill for all services was huge. I paid almost 90 % of the original invoice amount but I refused to pay the final {$1200.00} because I felt the pain and suffering was brutal. My opinion is and was that because it took 1 year and 3 months, two painful XXXX, and weeks of wearing huge bandages on my XXXX, the XXXX   should reduce the total price as a goodwill gesture. 

The XXXX   refused and adding insult to injury hired a collection agency. The collection agency then listed the XXXX   bill as XXXX XXXX XXXX disclosing my medical condition to everyone. This is a violation of HIPPA law of XXXX. GLA Collection should have listed the item as " XXXX   bill '' with 3 major collection agencies. My medical condition/information should not be shared with the 3 major credit reporting agencies! 

I have asked both GLA Collections and my XXXX   to remove this " XXXX XXXX '' from my credit report and they have refused. This is terrible on so many levels that both GLA and my XXXX  think it is acceptable to knowingly share my medical condition! 

I would like the entire collections account removed from my credit report. Especially since it has been on credit report for 5+ years and the deliquency is 6+ years old! I have no intention of ever paying this expense and the statue of limitations has passed on pursuing legal action against me. 

This XXXX  and the collection agency 's motivation is only money and do not care about its patients or patient rights. No XXXX  or collection agency should every disclose a patient 's condition to anyone. 

My hope is CFPB can have my medical condition removed from all records at all three credit bureaus and GLA Collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why would I have to pay almost XXXX to freeze my family 's credit when the credit bureau lost my information? I did not ask them to keep a report and now I am supposed to pay to fix THEIR problem? 
Do I have to wait till my credit gets stolen? 
HELLO IS THERE ANYBODY THERE WITH SOME COMMON SENSE and RESPONSIBILITY? 
They make money on our back and when they XXXX up they charge us more?
Product: Credit reporting or other personal consumer reports

I am writing to formally file a dispute regarding inaccuracies in my credit report. On XX/XX/XXXX, I contacted Equifax concerning the following incorrect information on my credit report, and as of the current date, I have not received a response. I am providing the details of the inaccurate information along with the necessary corrections : The following account was never late : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$320.00} Please correct and update this inaccurate information on my credit report. 

The following account does not belong to me : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$940.00} Please remove it from my credit report. 


The following account does not belong to me : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$150.00} Please remove it from my credit report.
Product: Consumer Loan

about XXXX month ago i recieve a call from security finance they tell me i havent make payment for the loan but i dont know what they talk about .i ask about what kind the loan they said it was a check they make out for me and i cash it .them i ask them why they send me a check i didnt ask for they said it was part for the advertising but i tell them i been move out that address since XX/XX/2014 in didnt cash any check from them they ask me to go to they office in temple i go they they want a copy of driver 's licence and sign a fraud affadavit i sign it and they said it should b e done, but XXXX month later i order a credit report security finance pull my credit report without my pormition and they report 120 day late payment i call security finance again ask why? they tell me i need to sign other fraud affidavit for XXXX XXXX XXXX so i sign it send it to them never hear back from them again i call and call just ca n't get any answers and my credit report still show XXXX day no payment please HELP ME!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

So as soon as I XXXX college, I was put into a loan forgiveness program with XXXX XXXX XXXX XXXX. I had to pay them a fee to get in and {$35.00} a month. Apparently they were filing my income driven repair for fedloans every year. I had no idea they were filing through Fedloans. The last 3 years they filed, my payment plan was {$0.00}, which is why I didnt have any issues till now. The last year they filed, my payment went from XXXX to {$39.00}. Now I have been paying them {$35.00} a month and they did not notify me that I also had to pay Fedloans {$39.00}. I didnt even have access to my Fedloans account till my credit score dropped {$200.00} points and I XXXX  Fedloans and had to recover my account. If I knew they were just filing with Fedloans, I would have done it my self and used the money I was paying them to pay my student loans. I called fedloans and they told me that I was never in a forgiveness program and that I was being scammed. An employee helped me get out of the scam and had me report the third party company. I was never trying to get out of paying my student loans. I was just a woman that got taken advantage of right after college. Now, during this pandemic, I have lost my job and forced to move out of my home in XXXX. I have made a payment of {$39.00} to show good faith and that I will continue making any payments necessary to get this corrected. I will attach all the payments I have been making that third party company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested debt validation which has not been provided to me. Since they have failed to provide proof that this debt is mine or that they even have authority to collect said debt, I would like for them to remove this account from my credit report. 

Account info as listed on credit report : Account # - XXXX Original Creditor - XXXX XXXX  Debt Amount : {$90.00}