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

XXXX XXXX XXXX IS REPORTING NEGATIVE INFORMATION ON MY CREDIT REPORT. THE INFORMATION THAT THEY ARE REPORTING PERTAINS TO A DEBT THAT I SUPPOSEDLY OWE THEM. 
THE DEBT IN QUESTION HAS BEEN DISCHARGED BY THEM, THE CREDITOR AND I HAVE RECEIVED A 1099C, COPY B FROM THEM CONFIRMING THIS. ALSO XXXX XXXX XXXX HAS REFUSED TO STOP REPORTING MY TRANSACTION HISTORY AS I PREVIOUSLY REQUESTED. PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW RESCINDING ALL AUTHORIZATION GIVEN TO REPORT MY INFORMATION TO A THIRD PARTY AFFILIATE ; WHETHER WRITTEN, UWRITTEN, VERBAL, OR NONVERBAL PER 15 USC 6802, EFFECTIVE IMMEDIATELY AND INDEFINITLY. XXXX XXXX XXXX IS ALSO REPORTING A BALANCE OF {$1800.00}, ON AN ACCOUNT THAT THEY HAVE ALREADY WRITTEN OFF AND HAVE SENT A 1099C TO ME THE CONSUMER, CONFIRING THIS. THIS DEBT IS ALREADY DISCHARGED. THEY CAN'T COLLECT ON A CHARGED-OFF OR DISCHAGRED ACCOUNT. AFTER ALL, IT IS CONSIDERED TAXABLE INCOME AND INCOME CAN NOT BE REPORTED ON A CONSUMER CREDIT REPORT. I HAVE BEEN GOING BACK AND FORTH WITH THEM FOR MONTHS AND HAVE YET TO GET THE INFORMATION REMOVED OR UPDATED ON MY CREDIT REPORT. 
IT IS THE CFPB 'S RESPONSIBILITY TO HOLD THE COMPANY ACCOUNTABLE AND TO REFRAIN FROM ALLOWING THEM TO REPORT INCORRECT INFORMATION ON MY CREDIT REPORT. I AS THE CONSUMER EXPECT THIS ISSUE TO BE FIXED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I leased a car through us auto sales and was overcharged for the vehicle the vehicle was a XXXXXXXX XXXX XXXX  worth XXXX dollars they charged me XXXX for the car on XX/XX/XXXX. My payments was XXXX a month which was too high for me and I wasnt happy because the car value wasnt worth paying that much for a used car. I let XXXX XXXX XXXX  know that I couldnt afford it so they told me once Ive had the car for a year I could turn it in for something thats cheaper. They ended up getting shut down when my year came last year so I couldnt do the trade. The car broke down out of nowhere it wouldnt crank anymore it was going to cost over XXXX dollars to get fixed I couldnt afford that plus keep up with high payments. I asked for them to come get the car it was too much stress and I was token advantage of from the start with the sell. The company has now shut down everywhere and its still sitting on my credit thats affecting me from getting any car and I have giving the car back. They have so many illegal charges against them for the wrongful things they have did to customers. XXXX Wrongfully Repossessed my Vehicle turned it off so I couldnt use it when I was late making payments. XXXX Misapplied my Payments which had my payments so high because they was getting so much profit off of used cars.
Product: Debt collection

On XX/XX/2021 SOUTHWEST CREDIT SYS reported on my credit report for a mouth off {$86.00} dollars. Ive spoke to XXXX on multiple occasions advising them this account doesnt belong to me. Ive never had a contract with XXXX every rep will advise this account will be taking care of or they are removing it from the system and it never is done. This is fraudulent account.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED XXXX DEPT OF ED XXXX DEPT OF ED XXXX DEPT OF ED XXXX DEPT OF ED XXXX DEPT OF ED XXXX DEPT OF ED XXXX DEPT OF ED XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 disagree w/ the acount list below which still appears on my credit report, even after your investigation. I would like this immediately re investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX ACCT # XXXX  XXXX In accordance with the fair credit reporting act, publish law 91-506 title VI section 611 subsection A-D please proivde the names and business addresses of each individual with whom you verifed the above so that i may follow up please send me an updated copy of my credit report after your investigation
Product: Credit card

citi bank is charging me {$1.00} interest on an account that is paid in full each month. my payment is due on the XXXX of each month and they are saying i made my XX/XX/XXXX payment late as they they received it on Monday XXXX XXXX. my due date was on a sunday. it is my understanding that state and federal law say when i payment is due on a sunday they can not charge a late fee or interest until after the next business day. Citi bank says state and federal law does not apply to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. List of accounts to be deleted XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand these accounts be deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have never file for a bankruptcy
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding AMERICREDIT/GM FINANCIAL due to their ongoing reporting of inaccurate information on my credit report. Despite multiple disputes concerning auto loan accounts ( Account Numbers : XXXX and XXXX ), they have failed to correct or remove these inaccuracies. This incorrect reporting is having a significant negative impact on my credit score and is providing misleading information to potential lenders, harming my financial opportunities. I have contacted both the company and the credit bureaus multiple times about these errors, yet no resolution has been provided. This ongoing issue is unacceptable and continues to cause financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile I noticed that I have several fraudulent accounts reporting on my credit profile.The following accounts below are fraudulent XXXX : XXXX XXXX Account number-XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX JXXXX - CARD SERVICE Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXXXXXXXXXXXXXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXXXXXXXXXXXXXXXXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Transunion : XXXX Account XXXX Date openedXX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XX/XX/XXXX XXXX Account number XXXX Date openedSep XXXX, XXXX XX/XX/XXXX XXXX Account number XXXX Date openedXX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX CARD Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date XXXX XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Amerassist added two collections accounts on my credit report in XXXX XXXX Both of the accounts were in dispute with the company XXXX XXXX XXXX, for faulty product. I had been in dispute with XXXX for over a year. They were suppose to have stopped any payments from needing to be paid, while we were in dispute. They randomly one day added two accounts onto my credit report. This completely damaged my credit! I contacted both companies, Amerassist and XXXX XXXX XXXX, about the collections accounts and could not get any answer or resolution. There was a ton of back and forth for months, I was able to dispute one of the accounts and it was removed but the last account has not been removed. I have emailed and called multiple times and I have disputed the account on my credit report 12 times, without any resolution. I have provided Amerassist proof that the accounts are closed and should have never been reported and they still refuse to make any change.
Product: Credit reporting, credit repair services, or other personal consumer reports

After finding multiple accounts reported to my credit reports from a company named conns out of Colorado. I filed a fraud paperwork and the police report in XXXX XXXX and said all documentation conns requested to fix the issue and still they wont remove the accounts. They are not my accounts. I spoke to them multiple times and still nothing has been resolved. The accounts were opened in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The inquiry was not authorized XXXX XXXX XXXX  NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX OF XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX OF XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. XXXX XXXX XXXX FALSE OR MISLEADING XXXX FNCC Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX CRED Account Number XXXX XXXX Delete this account. 

16. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Experian today because they have too much stuff wrong in my record. after I gave the correct name, and address to the employee, we verified the information and he still put the wrong address in my record. I will call them again tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accotdance with the Fair Credit Reporting Act XXXX  account XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX  XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX acct XXXX XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 it also stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Phoenix Financial Services out of XXXX apparently bought an old collection account for {$660.00}, that I disputed in XXXX, from XXXX XXXX XXXX The original bill was an error, my health insurance wasn't used from what I gathered, for an ER visit. The date the original collection was opened was XX/XX/XXXX. The balance was updated XX/XX/XXXX, set to be on record until XX/XX/XXXX. 

XX/XX/XXXX of this year, XXXX, Phoenix reported they have opened a collection account for emergency services for {$660.00}. 

This is re-aging. It's incorrect reporting of debt to the credit reporting agencies. It's the same bill from XXXX. 

It has made my credit score decline unnecessarily after I've worked so hard to increase it over the last few years.
Product: Student loan

Back in XX/XX/XXXX had two student loans that I consolidated ; with the total of the two loans being about XXXX. Unfortunately, being a single mother at the time, stopped receiving child support and had to stop going to school, to get a second job. As a result my loans went into default ; for a several years. Some years later started paying on the consolidated loan again, with a program to get out of default and this was accomplished. However in XX/XX/XXXX, while still paying on the loan, started receiving letters that I was in default, causing my federal income taxes to be with-held. When contacting the loan carriers was told continuously that there was another loan and for the next eight years could not get the issue resolved. To add to my chagrin, wages were garnish, still could not go back to school, was fired from jobs due to phone calls, and denied good jobs in my field because of my credit score. No one would help me take care of this problem. Finally when making my usual every two month call asking for help, an agent went off script and informed me that my loan may have been doubled. He then gave me additional information on how to get the issue resolved and in XX/XX/XXXX they applied back all the money that the IRA held and garnished wages, The loan although was taken care of partly, totally ruined my career. I am now XXXX XXXX XXXX and make XXXX an hour. I truly feel that this loan did not serve the purpose that it was intended to do
Product: Credit reporting or other personal consumer reports

I mailed to the agency several months ago and they did not do anything at all. The agency also did not respond with any outcome on results. 

XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I, XXXX XXXX XXXX, recently looked over my credit report and found incorrect information, that was invalid and unverifiable. It made me so sad and depressed that your agency has invalidated and inaccurate information that you did not insure was 100 % accurate on my consumer report. I am asking you to reinvestigate the following accounts. I do not owe XXXX XXXX XXXX {$820.00}. I demand an immediate re-investigation. The original creditor, the XXXX XXXX XXXX, has reported this dept to several creditors with different balances. Please verify this dept. Also, I demand re-verification from XXXX XXXX XXXX  {$300.00}, you have no sent verifiable proof of this dept belonging to me. I also ask for your agency to verify the bankruptcy you are reporting and I have not received anything in return in over a year after sending several letters. Your company is also reporting XXXX XXXX account XXXX, for a balance of {$350.00}, which is not correct. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify thoroughly the physical verification of the original signed consumer contract, all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original consumer contract with my signature on it ) you have on file for the collection you are reporting inaccurate. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts immediately. 


Yours truly, XXXX XXXX XXXX
Product: Vehicle loan or lease

In  XXXX  o f 2016, I tu rned in a lease with a  Honda dealer. The financing was done through American Honda Financing, and at the end of the lease, I released with Honda. At the time of this transfer, I was told that my two remaining payments on my old lease would be covered and I would not be responsible for this.       When I received a bill from Honda Finance with the end of lease balance, these two monthly payments were included on the bill. Instead of paying this, I tried to communicate my concerns with the dealership and with Honda Finance, but to no avail. They kept threatening that this would be reported as significant late payments on my credit, and kept trying to get me on a payment plan. I ended up making a significant payment with them and setting up a payment plan for the rest in the hope I would get it resolved before the next payment. I did not resolve the issue with them ever, as they kept giving me the runaround every time I called. I ended up paying off the balance in a settlement and the account was closed.      While this entire process was extremely draining, and I was very frustrated with the process and the outcome, the next issue involves their willingness to make any adjustments on my credit.     I went to apply for a home mortgage, and the lender told me these late payments were significantly  affecting my credit, as there was multiple occurrences of 30,60,90 days late while I was trying to work this out with Honda. I called Honda to try to resolve the issue and have them work with me on correcting these late payments on my credit report. Because I paid the balance and admitted this debt to b e mine, they would not adjust their report to the credit bureaus, as they took zero responsibility for this situation.     Their escalation specialists would not even put me through to  a manager, and I  had to call the next day and ask someone different to get me to their  manager.      He called me later that day, and while he asked me to explain what was going on, he became very rude in the end and told me while they did have the ability to adjust this on my credit, he had made his decision and would not be moving forward. There was a complete lack of respect for a borrower who has been with them for 7 years. Credit reports have significant impacts on people 's daily lives, and because they were not willing to relieve the simple late payment history on a one-time occurrence, they are hindering my ability to work on repairing my credit in order to purchase a home. I feel very trapped and taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

When checking on my credit I noticed a hard inquiry. I called the company this was from and they stated that the people who applied credit on that day had different dates of birth and social security numbers. 

They told me I had to take care of it
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive completed approximately 5 or more disputes with Experian regarding a Chapter XXXX Bankruptcy reported to my credit. This public record does not and has never belonged to me. After disputing this multiple times, I filed a complaint with CFPB and as apart of Experians response they cited that have yet to complete the dispute and was awaiting documents. Experian has expressed during a verbal conversation that they receive all data from XXXX XXXX. After requesting XXXX XXXX to investigate this inaccurate public record, they swiftly and accurately removed it. I sent correspondence of this to Experian along with my Drivers License and FTC and Police Repor. On XX/XX/2020, I received dispute results reading that they are unable to remove it and that the company that reported to Experian has certified that this is accurate. Referencing back to my previous statement, I was told that this information comes from XXXX XXXX. XXXX XXXX HAS NO RECORD OF THIS IMFORMATION. Experian has taken this opportunity to target less than credit worthy and possibly XXXX American people in maintaining inaccurate information to disable the ability to be exposed to better credit and life opportunities.