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

Filed a dispute with the three credit reporting agencies, XXXX, Equifax, and XXXX. I disputed information contained in my report. The information is from XXXX a collection company phone is XXXX. This collection account is on two reports. XXXX  and XXXX.. Its not on Equifax. I called the creditor and they said I had to call the credit agency to get them to remove the item from my report. The dispute results came back without it being removed. It is being reported as if its a current collection account and it is not. Last date reported was XX/XX/19 on Experian and XX/XX/19 on XXXX. This is damaging my score and hindering me from getting the credit I am seeking to obtain. Also there is a " DISMISSED '' Chapter XXXX case number XXXX on all three reports and it has been 6 years. I am not understaning why a " DISMISSED '' bankruptcy is still on my reports. I did refile the chapter XXXX and it has a different case number. That one is " DISCHARGED '' so I understand why it is there. But not the " DISMISSED '' one.  Why is the law allowing this if at all. I have disputed this called the agencies to no avail to get these items removed from my credit report. I need your assistance please. Thank you.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Checking or savings account

In 2021 I had Banked With Wells Fargo and I paid my Rent to a contract company and i had informed my landlord I am Moving out of the room and he did not inform the rental company and I was charged {$350.00} then Double dipped my overdraft fees I have proof.
Product: Credit reporting or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Checking or savings account

On XX/XX/2021, I received a suspicious text message purportedly from Wells-Fargo Bank, stating my Debit account is locked. The subject line in the text gave a contact phone number as XXXX XXXX XXXX XXXX. I looked up the phone number on several online Reverse Phone Number sites, and all the sites gave me the same name of a supposedly real person ( XXXX XXXX ) including a home address ( XXXX XXXX XXXX, XXXX XXXX GA XXXX. I did not attempt to call this number/person, but notified Wells-Fargo XXXX in XXXX. Wells-Fargo confirmed that my Debit Account was not locked and is current. Wells-Fargo didn't seem interested in pursuing this any further, only stating that this was " possibly a scam attempt ''. Since there was an actual phone number and it was associated with a real person, I thought Wells-Fargo Bank would want to pursue this further for possible prosecution.
Product: Credit reporting or other personal consumer reports

I recenlty reviewed my credit report and I noticed their is is still inaccurate information still reporting to my credit report from the company below .I 've contacted both parties Experian as well as the creditor and I was told to send in two forms of identification, as well as a FTA report with a utility bill however I've sent in all documentation to support this dispute and the creditor has yet still refuse to move the inaccurate information that's harming my credit report. 




XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX details 0 % paid off Balance {$7900.00} Balance updated XX/XX/XXXX Original balance {$7900.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$7900.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Payment summary 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  Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act )
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit company did not respond in a timely manner set written information they have no less than 14 days to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

They have informed me that they verified the accounts listed below : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX However, they didnt give me any verifiable proof ( have my signature inside ) to prove that these accounts belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

FromXX/XX/XXXX to the last letter on XX/XX/XXXX, I have sent several correspondence letters to Experian to fix errors on my credit report. I have sent in dispute letters as well as a police report and FTC ID theft report and yet the XXXX account remains on my credit profile. The other two major CRA 's conducted their investigation and concluded with removing these items off of my credit profile because they did not belong to me.The next step is litigation after I have repeatedly given information and reports that were asked of me to get this fraudulent item and balance removed from my credit profile. Furthermore, no information is given from Experian other than the account is old to debate the information I have sent them. This is not how the FCRA dictates these investigations to be completed. A thorough investigation must be conducted and all individuals or documents received from the furnisher should be given which caused the verification must be released to me. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Experian is well aware of current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). Experian has ignored my request to provide documents that they used to verify the disputed account which means that Experian has NOT verified or can not verify any of the account and under Section 611 ( 5 ) ( A ) of the FCRA, which required you to delete the items when I provided evidence of ID theft. I have repeatedly completed my job to rebut any fraudulent issues on my credit profile.It is now time for Experian to follow suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I paid a mortgage on XX/XX/XXXX, I thought I score on XXXX would go up. Instead, on XX/XX/XXXX it went down 14 points. This in not correct, please fix. 

2. In the Paid are of all three Agencies it does not show the I paid XXXX to XXXX XXXX. 

3. Transunion score is almost 80 point lower than XXXX and XXXX  because they stated in the file, I have serious delinquencies when I do Not!. My payment history is exemplary for 10 years. I would like to to reflect on all three reporting agencies.
Product: Debt collection

XXXX waited XXXX  years to collect a debt I didnt know I had. Put hold on bank account, gave me run around when I called. Got dispute letter back without purchase agreement. One amount on that then was charged XXXX Plus. Still getting run around. They claim not to charge interest and fees whats the XXXX. For?
Product: Mortgage

I paid XXXX to Excelious legal group to assist us in getting another modification loan for XXXX XXXX the company took our money and strung us along for a year and a half then told us they could not help us and never returned either all or part of our money, they just told us to go chapter XXXX if we wanted to save our home. 

As of today XXXX no longer owns the home I bought the home from her and allowed her to live there since I reside there also this never should have happened if there was help from this company
Product: Debt collection

An answering service told me to call a number with a case number, they called my son 's cell # which is not under my name which is concerning to me. The lady would not listed, stated she was collecting for HSBC which I've never had and confirmed with the credit bureau. I swore at them and they swore back stating I would be served and in court within XXXX hours. I'm tired of being harassed, I know it was stemmed from a XXXX XXXX breach years ago. They know my social, DOB, phone #, address, things about my checking which is now closed. Phone for answering service was XXXX the supposed collection agency XXXX with a reference number of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I honestly don't know when this started but I just checked my credit score and it was and then I got a letter in the mail saying lack of sufficient relevant account information I have too many collection agency accounts that are unpaid etc.
Product: Checking or savings account

There were several non sufficient funds charges. I can not remember the dates. The bank reconciled some of the charges
Product: Debt collection

My father passed away in XX/XX/2017. We received a letter from the student loan holder that the debt was discharged due to his death. Pioneer Recovery has harassed everyone in my family, including my husbands ex wife. They have called repeatedly asking for information about me to my mother in law, father in law & husband. They have all answered and asked them to stop calling because they didnt not have information for them.
Product: Credit reporting or other personal consumer reports

i did check my credit report and i noticed an inquiry had been made by sacor financial inc without my knowledge i did call XXXX a guy answered the phone and i did ask him why did you guys pull a hard inquiry on my credit report he replied what is your first name i did give him my first name then he asked me how could i help you without your last name i did give him my last name then he said you have called the wrong number and i ask him then why did you asked me about my first and last name if it was a wrong number he hangup the phone.
Product: Credit reporting or other personal consumer reports

There are a number of hard inquiry on my credit report that I did not authorize, would like them to be removed. 

XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus are required to have a copy of my signed agreement/contract in their procession. When report accounts to my credit file. Based on FCRA SECTION 609. The  bureaus don not have the required documents as set by law, to report. The reporting violations carry a of {$1000.00} per violation and also additional damages. the account have been reported and the credit bureaus, have been harmed me, by not validating the debts and not having the required, documentation, before report and to this date. The documents are not in their procession. The following accounts have been reported in violation : 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 {$210000.00} balance.
Product: Debt collection

I am receiving calls asking to pay a account was Charge Off. 
Company is making threats to go to my house with attorney to go to court. 
They say they will take money from my bank account, If I do not pay XXXX payment with full balance. 

I request prove validating the account I was never informed account was sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX WENT ON W/O WRITTEN SIGNATURES.
Product: Debt collection

This account should be removed from my credit profile of all three bureaus because the creditor has failed to provide documentation of the debt as well as their right to collect for the third party. I have never heard of the third party company which this creditor is collecting for.
Product: Mortgage

The company provides a phone number XXXX. Unable to connect to a live human being to get an address updated on my statement. The statement reflects the incorrect property addresss with the mortgage. The phone number is an endless phone tree that does not allow me to connect with someone to fix this problem. This is a faulty process that does not allow customers to adequately get their loan services.
Product: Credit reporting, credit repair services, or other personal consumer reports

PAYMENT HISTORY ERRORS : This complaint is regarding my auto loan financing account with GM Financial. For the last few years I have disputed this issue multiple times through each of the credit bureaus individually ( both via online/phone and by mail ), as well as once with the CFPB. Every time I have filed a dispute, the response from GM Financial has been inadequate and nothing has been resolved or corrected on any of my credit reports. 

There are still major errors on my credit reports, to which have significantly and negatively impacted my credit status. None of the credit bureaus have been helpful in properly processing my disputes and have not obtained adequate response or solution from GM Financial. My credit score is being penalized for having 6 late payments reflected on my GM Financial account, which is completely inaccurate and false misleading information. GM Financial reported to the credit burea
us that I made payments " 30-59 days late '' for the following billing months : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Enclosed is a copy of my Bank Checking Account Transaction History Report, which verifies that I did in fact made those monthly bill payments on time. None of the above listed months were paid late. All 6 of these months need to corrected and updated to reflect that I paid those payments " On Time ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent address 's and account. XXXX XXXX XXXX XXXX IS REPORTING FRAUDULENTLY AN AUTO LOAN IN THE AMOUNT OF XXXX ON XX/XX/2018 TO FRAUDULENT ADDRESS 'S THAT I HAVE NEVER LIVED AT! 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX XXXX is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX WAY XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$52.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Web administrator acting as dictator over customer account.

Web app & mobile app displays closed-end account of a false alias when given name is an open end account. Web administrator refuses to give customer name of open credit account. Banker stated on the clerks side of computer ; given name is viewed correctly than on customer side of mobile application a false alias is displayed with closed end credit account.