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

In XXXX of 2022 I submitted by mail a hand written dispute with documentation directly from XXXX XXXX regarding the reporting balance. XXXX XXXX provided me documents of my loan balances to submit for the dispute. My credit bureaus have fraud alerts and are frozen due to past identity theft. I requested for the bureau to either correctly update the balance information or DELETE it due to inaccurate reporting per my FCRA rights. The company continues to report the same information even though proof has been provided. They are reporting XXXX balances, {$94000.00} and the accurate balance is {$71000.00} and another amount of {$3300.00} and the balance is {$2700.00} per the supporting documents directly from XXXX XXXX. I have as of today spoken to XXXX representatives and to no avail any mutual understanding. They continue to insist to continue disputing even though it has been done several times before.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX XXXX..REFUSE TO EXCEPT MY DISPUTES. EXPERIAN REFUSES TO DO THERE JOB CORRECTLY VIOLATING MANY LAWS
Account name
XXXX
Account number
XXXX
Account name XXXX XXXX XXXX XXXX
Account number
XXXX
Account name
XXXX
Account number
XXXX  Account name
XXXX XXXX XXXX XXXX
Account number
XXXX  Account name
XXXX
Account number XXXX
Account name XXXX XXXX XXXX XXXX
Account number
XXXX
Account name
XXXX XXXX  Account number
XXXX  ACCOUNT NAME XXXX XXXX
Product: Consumer Loan

On XX/XX/XXXX, I was involved in a car accident where my car ended up being totaled. I reported the car accident to my car insurance and they began the process of paying off my car loan with Suntrust. In XX/XX/XXXX, I paid the car loan amount due because my car loan payment was due on the XXXX of each month. After that date, I did not pay anymore loans because as I explained to Suntrust, I was waiting for insurance and gap insurance companies to finish paying on my car so that I could see what was left over for me to owe. On XX/XX/XXXX, my insurance company issued out a check to Suntrust for {$6700.00}. Because I had a extended warranty on my car, the company I bought the car from issued out a check on XX/XX/XXXX for {$1300.00}. To me that should have covered a payment for XX/XX/XXXX. Now on XX/XX/XXXX, my gap insurance issued out a check to Suntrust for {$3700.00} that should have went to the XX/XX/XXXX payment since it was after the due date of payment which is the XXXX of each month. However, I received a letter from Suntrust stating that they had not received any payments from me for XX/XX/XXXX and XX/XX/XXXX. When I called the company, it was explained to me that those checks were not considered a payment and that I was delinquent on the account. Because of this, they reported to my credit report the delinquency which caused my credit score to go down by XXXX points. I do not understand how checks written on behalf of me to my account are not considered payments. I even have my car insurance check as well as my gap insurance check with my name on the checks written as payments to Suntrust.
Product: Debt collection

I reviewed my credit report, and i noticed there was an account i did not authorize. The accounts was sent to rash Curtis and is now a collection on my credit report. I sent my necessary documents to rash Curtis in order to dispute this item. After receipt I called them to get an update and they said I set up payments. I did not because I didn't never open this medical account. My identity was stolen. Rash Curtis said they needed more time to investigate, but I haven't heard anything. I am trying to purchase a home and I need this fraudulent account to be deleted.
Product: Debt collection

MCM has been making multiple calls a day to the wrong number. They have been contacting a third party person and an employee by the name of XXXX and or XXXX continues to leave multiple voicemails. It is embarrassing that now a third party person is aware that MCM a debt collection group is looking for me. I have not been reached out to by this company and I had to find out from this third party. I have not been given a fair opportunity to handle this matter and now others are aware of this situation.
Product: Credit reporting or other personal consumer reports

I applied for a car loan in XX/XX/year>. I asked that my credit score only be pulled once due to me planning to purchase a home in the future. They acknowledged that they would do so. This was with XXXX XXXX. My score was additionally pulled 10 or more times for the car loan in a few days time span. When looking for cars or homes You have 14 days to look under the same score. They should not have ran a hard inquiry multiple times without my approval. I did not know this and did not recognize these companies.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where XXXX and XXXX have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and XXXX 's inaction violates federal law and my rights as a consumer. 

These are the accounts listed below : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my information corrected
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered a few instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported at 100 % accuracy. I have never missed a payment on the following account : [ XXXX XXXX, [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to produce such proof, I demand that these payments be immediately updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... NATIONAL CREDIT ADJUST XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX Account ending in XXXX was paid off as agreed. XXXX XXXX XXXX was all the payments made as agreed. Almost 1 year later they say I have a balance of XXXX or more. I called back sent over the payment history and they confirmed a glitch in their system. Talk to them XX/XX/2023 they saying its a balance of {$300.00} but my credit is say XXXX balance. Conflicting stories. Please help I feel helpless like Im being taking advantage of. 

I paid {$540.00} for 12 months as agreed now they saying they dont see it
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am a XXXX consumer. I have two credit cards with concora. One has never been used. They decided to start charging a {$3.00} a month fee, so I decided to just cancel the card, close the account. Theres no option to do that online. They will not allow someone else to do it on the phone for me. They will not permitt me to do so via postal mail. The only way they will allow me to close the account is if I personally call them. As a XXXX consumer, thats not an option. I can not use the phone. Now, they have blocked my access to both accounts entirely, I cant even access to make a payment on the other card. Unless I personally call them. I have a 100 % pay rate on my credit report. This will destroy that. This is a violation of the XXXX and the FCRA.
Product: Credit reporting or other personal consumer reports

On reviewing my credit report, I noticed an issue with the XXXX account and its reporting. The debt associated with this account was sold to XXXX XXXX, which is now reporting the balance as a collection account. However, the original creditor, XXXX, is still reporting the account as a charge-off with a {$0.00} balance. 

This double reporting of the same debt is inaccurate and misleading. It negatively impacts my credit score, as it appears I have more debt than I actually do. The Fair Credit Reporting Act ( FCRA ) requires credit reporting to be accurate, and accounts should not appear twice when the debt has been sold or transferred. The original creditor, XXXX should reflect a {$0.00} balance and indicate that the account was transferred or sold, without continuing to report it as an active derogatory account. 

I took action by disputing this issue with the credit bureaus ( XXXX, Experian, and XXXX ) but have not received a satisfactory resolution. As of XX/XX/year>, both XXXX  and XXXXXXXX XXXX are reporting this debt on my credit report, and this duplicative reporting persists. 

I am requesting that XXXXXXXX tradeline be removed from my credit report, as the debt has been sold and is already being reported by XXXXXXXX XXXX  This correction will ensure the accuracy of my credit report and compliance with FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mortgage inquiry on my XXXX  XXXX  account. Stating a 30 year Sun West Mortgage Company inquiry with a 5.873 % and 6.604 APR rate. And another inquiry stating 30 year Sun West Mortgage Company inquiry with 6.248 % and 6.988 % APR rate. I have never applied for any mortgage loans
Product: Credit reporting or other personal consumer reports

My credit score is constantly being reduced by Experian and I would like to file a complaint regarding this issue. I receive a credit score reduction whenever I use a credit card, regardless of paying off the credit card immediately after the pending status is removed. In XXXX, XXXX and XXXX my credit score was reduced XXXX points with no legitimate explanation. In XXXX, I made a purchase for {$1000.00}, which I have a {$6000.00} dollar credit limit and at the time of the purchase, I had a XXXX balance. I paid off the full balance on XX/XX/XXXX, which is when the pending status was removed. The only time a credit score should be reduced is for late payments or non-payments. I pay all my bills ahead of time and never leave a balance due to the fact I do not like to pay interest. Experian reduces and increases my credit score constantly.

I feel that I am being targeted by Experian because I will not purchase a membership with them.
Product: Mortgage

I was in a forbearance lost my job my tenants didnt pay rent for 18 months been trying to get a deferral on my payments since XXXX they keep telling me i didnt turn in documents which i did over 10 times tried paying back payments denied to take my money the day after sent default letter than canceled it they said, then said 30 days pay stubs when XXXX ran out then said i needed letter for bank account i didnt have and wanted proof of rent my receipts wasnt exceptable then spoke to management gave me her word foreclosure was placed on hold next day was in foreclosure they canceled my forebearance put me in foreclousure while in forbearance and said they couldnt locate forebearance they are throwing me around when this could of been resolved back in XXXX now im 8 months behind have a job tried setting up repayment plan say i cant because foreclosure status im scared of losing my house i have alot of equity in home and believe they are doing this to gain my equity can you please help me?
Product: Credit reporting or other personal consumer reports

After reviewing my Credit Report, I noticed several XXXX XXXX Inquiries on the report as follows. Please DELETE the XXXX Inquiries as soon as possible. 

XXXX XXXX XXXX / XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am a victim of identity theft on my credit report its showing a capital one credit card was open XX/XX/2018 but I did not open it now its in debt of XXXX $ I filed and sent over a police report as well as FTC report and its still on my report
Product: Debt collection

To Whom it may concern : I have the right to be treated by a collection agency with dignity and respect. 

They called but never sent a letter notifying me of the debt. They called in early XXXX, and I was able to send letter dispute in XX/XX/XXXX, but they never acknowledged the debt. Then I noticed them on my credit report, and sent another dispute and cease and desist letter in XX/XX/XXXX, but again no acknowledgement from them. Finally a letter from attorney from XXXX ( a senior citizen consumer protection group ) sent them a cease and desist letter in XX/XX/XXXX and also notified them that I was on protected income - social security income. Now, they are calling and contacting me again. It seems like they try to contact me about this every few months hoping that all previous cease and desist/ debt validation letters will be forgotten. 

The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at the XXXX XXXX XXXX dealership in Georgia when I was purchasing a new vehicle. However after I had an agreement with these sales team that I was going to purchase a vehicle, they ran my credit more than once and then sold the vehicle to someone else which was the only one in stock, after reserving this particular vehicle for me. I checked Experian and it did in fact affect my Credit Score and will not fall off for another year. I tried to resolve this with the dealership and they said sorry there is nothing we can do. 

Address to the establishment is XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Even with multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus previously on XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

PennyMac treated myXX/XX/2019 payment of {$1900.00} as a principal reduction payment yet only reduced the principal by {$31.00}? 

This was a monthly payment. It should be processed properly.
Product: Debt collection

Credit Collection Serv - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under Section 609 of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.
Product: Debt collection

Denied rental application XXXX XXXX XXXX  in Missouri due to a collections on an alleged account for {$1900.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX Capstone credit collections verified when i tried to dispute. I called Capstone and was told the originator was XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX was listed as co-occupant from XXXX I called apartment XXXX XXXX  XXXX XXXX XXXX spoke with someone stated " no would not know that cause we did not take over until XXXX, but yes we do. I immediately placed fraud alert on my report. Filed ID theft report. Filed local police report.
Product: Credit card

Kindly refer to the attached documents. I request the bureau to initiate an investigation into these accounts. Despite never being late, they are erroneously reported as such.
Product: Checking or savings account

I have opened up Citi Priority account with adequate fund ( {$51000.00} ) and have met all the requirements for bonus, but bonus amount is still not added. I have tried to reach out to the company and the fund were supposed to deposited this week, but the funds are not there.
Product: Vehicle loan or lease

Ally Financial keeps badgering about my XX/XX/2021 payment for XXXX which I owe. 

I paid {$190.00} on XX/XX/2021 and I paid {$300.00} on XX/XX/2021 The Payment for XX/XX/XXXX was for XX/XX/2021, which Ally Financial is not applying to my account ; causing my account to appear as if I did not pay for XX/XX/2021. 

Altogether I paid : XXXX XXXX [ XXXX ] which is 2 months payment in XX/XX/2021 and now they are demanding {$130.00} more.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/ Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA section 605B ( 15 U.S.C . Section 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, loans, insurance from the US Dept ED with balance of {$4900.00}, US Dept ED with a balance of {$2500.00}, XXXX XXXX with a balance of {$1000.00}, XXXX XXXX with a balance of {$530.00}, XXXX with a balance of {$330.00}, XXXX XXXX with a balance of {$1300.00}, XXXX with a balance of {$2600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$250.00}, XXXX XXXX with a balance of {$350.00}, and XXXXXXXX XXXX with a balance of {$19000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

DEPTEDXXXX XXXX {$4500.00} XXXX XXXX   XXXX {$0.00} DEPTXXXX XXXX {$1100.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX {$550.00} DEPTXXXX XXXX {$3500.00} XXXX  XXXX {$9500.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX  XXXX   XXXX {$440.00} XXXX XXXX XXXX XXXXXXXX {$130.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$63.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$440.00} XXXX XXXX {$4500.00} XXXX  XXXX {$6000.00}
Product: Credit reporting or other personal consumer reports

I have tried to access my credit report from XXXX and Equifax on the phone and online. I have tried several times to call TU consumer number that they have listed. It seems they keep changing their numbers and the previous number never works. And for some reason, when I go online to XXXX to get my credit report. They always tell me to write in and my credit report is not available. I think this is unfair to have to wait XXXX weeks to receive my credit report, when I need it right away. 

On XX/XX/year> and XX/XX/year>. I reached out to Equifax and XXXX on the phone and online.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my wallet was stolen and an account under XXXX was opened with my social security number. XXXX closed the account after I contacted them and said they would report the fraudulent charges. There are 6 late payments affecting my credit score from this fraudulent account and as of XX/XX/XXXX it has not been removed and the issue has not been resolved.