23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am writing this complaint to EQUIFAX I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. 

They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint a few months ago and did not get a response from this company, neither did the problem get fully resolve. When I reported it last, it was against XXXX XXXX XXXX, and later looked into my card account on XXXX to see when they report to Experian , and it showed each month on the XXXX but EXPERIAN are not updating the score to and updated credit score in a timely manner. This is a continuation of Experian and who knows how many other persons this kind of practice this is effecting.
Product: Debt collection

I have been disputing several accounts with XXXX here are two accounts I have been disputing from Midland Credit Management who has failed to provide debt validation or any information at all but continues to harass me with phone calls and threatening letters. The disputes from XXXX seem to be very quick only taking about 7 days when XXXX states in their website that dispute take around 30 to 45 days which leads me to believe XXXX is not actually investigating disputes this is an ongoing pattern with XXXX. Dispute Report Number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES
Product: Credit reporting or other personal consumer reports

As a courtesy XXXX XXXX agreed to notify the 3 credit bureau 's to remove a late from my account for XXXX, XXXX. I have it in writing from an earlier dispute that was opened via the CFPB portal as well as XXXX XXXX sent me an email for my records clearly stating that the late shall be removed and it was sent by XXXX XXXX to the XXXX credit bureau 's back on XX/XX/XXXX. Both XXXX and XXXX removed the late reporting for XX/XX/XXXX however Transunion has still not removed the late. I have opened 2 disputes with Transunion and they are falsely stating they have reached out to XXXX XXXX and that that XXXX XXXX is stating that the late is verified as being correct and then closes my dispute. The XXXX XXXX  advocacy team at XXXX XXXX is stating XXXX Transunion has NOT REACHED OUT TO THEM and there is no record XXXX Transunion has reached out to them and that they have XXXX Transunion the notification to remove the late XXXX TRANSUNION has still not removed the late for XXXX of XXXX. This back and forth has been going for 3 months now with Transunion REFUSING to remove the late from my file even when instructed ny XXXX XXXX to do so ... ... .here is the original CFPB complaint ID # XXXX from XXXX XXXX where they indicated on XX/XX/XXXX that all credit bureau 's would be notified which included Transunion however Transunion XXXX the ONLY Bureau who has not updated my credit file and has STILL NOT REMOVED THE LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel I am being taken advantage of and being looked over in my disputes in detail. According to section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove items from report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted the XXXX  data breach and may have got into the wrong hands.
Product: Debt collection

My Name is XXXX XXXX, I am the Mother of XXXX XXXX. My son XXXX XXXX was has recieved a letter in the mail stating that he owed a medical bill. XXXX XXXX is a young college student who did n't have insurance at the time of service he recieved at the hospital. A financial application was submitted on his behalf and was approved. XXXX in good faith upon recieving the letter, not knowing that he did not owe the bill. Tried to take care of the debt, however he did this action with out my supervision. Even though he is over XXXX My son need assistance at times because of a XXXX. Which is why I am writing this letter. XXXX gave information to this debtor who collected all the money he had in his account, which was XXXX. When I learned of this I had XXXX call them back, and ask them to return the funds, because he was within his 30 days to dispute the bill he did not owe. However he has never dealt with a debt collector. While I applaud his effort in trying to address thie debt, he was misguided. XXXX called and asked for his funds to be returned because he really could n't afford to pay, and he did n't understand at the time he tried to address the debt. However they have not made any attemp to return his funds.
Product: Mortgage

I have a mortgage reverse mortgage with champion mortgage who have gone out of business and my new mortgage company is XXXX in the past couple of months I had made four payments of {$1000.00} a piece to champion mortgage and when I checked my account with XXXX the mortgage payments did not transfer over I notified champion mortgage who then stated to me they have no record of the payment my bank has proof of cancel checks so I am putting in a complaint for the stolen funds that champion mortgage stole and have not sent to XXXX who they sold my reverse mortgage to. I have proof of Bank payments and will as of XX/XX/XXXX notify the bank again to put in for theft and recovery of the four payments of {$1000.00} each. Before champion mortgage went out of business a lot of the funds were not transferred to whoever they sold accounts to for example for me it would be XXXX.
Product: Debt collection

I received a Delinquency Notification dated XX/XX/2020 from Harris and Harris, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX. In the detail box on the invoice it shows a series of account # 's, dates and amounts owed of services from XXXX XXXX XXXX   XXXX XXXX. 11 of these transactions are duplicated on the invoice this company mailed to me. The claimed amount due is {$3700.00}. This is {$1500.00} more than what was the confirmed amount of {$2700.00} by the service provider, XXXX XXXX XXXX XXXX. And 2 of the detailed services are services for my Husband, who has a separate account. Additionally, we had Health Insurance with XXXX during the time of the services. 

An Example of this : ACT # ending in XXXX XXXX XXXX XXXX XXXX Date of Service XX/XX/2020 {$480.00} ( this is on line 28 and line 34 of Harris and Harris 's Notification ) I called Harris and Harris on XX/XX/2020 to dispute the debt and called XXXX XXXX XXXX XXXX to have the debt pulled from Harris and Harris.
Product: Credit card or prepaid card

TB Banks USA NA has exposed my personal information with different Law offices here in the city. I am getting all of these Law suits from different Law offices telling that T D Bank has File a Lawsuit against me I was never aware of a Lawsuit I have file a dispute on my credit report about the amout of the payment that I owe XXXX is looking into the matter and nothing has gotten done I dont think TD Bank be allowed to exposed my credit card information like that and share my personal information to other Law firms this information should have been between me and the creditor
Product: Credit reporting

I have sent several requests to Experian to provide me with the documents that their company has on file that were used to verify the accounts I 've disputed. It 's been a few months and they have not been able to verify these accounts. As a result, per the FCRA, section 611 ( 5 ) ( A ), they are required to " promptly delete all items which can not be verified from the file of the consumer. '' Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

The XXXX account that appears on my TransUnion credit report was already deleted from my XXXX and XXXX credit reports after filing a dispute. However, it is still being reported by TransUnion who previously refused to delete the SAME ACCOUNT from my credit report. TransUnion is wrongfully causing ongoing harm to my credit standing as well as violating federal law and my rights as a consumer. I therefore request that immediate corrective action is taken and for TransUnion to permanently delete XXXX from my credit report.
Product: Debt collection

My credit report shows a collection account by XXXX XXXX XXXX for something called " XXXX XXXX ''. I sent the attached letter to XXXX XXXX XXXX requesting proof in the form of a signed document by me stating that I am responsible for this account and to date no one has responded to my request. I believe this is a violation of the Fair Credit Credit Reporting Act. My identity was stolen and I am only finding out about it now as I went to apply for a credit card. I am demanding strict proof that this is my debt and I want to see where I signed for this loan/credit card or whatever the original debt is. It has been over XXXX since since I made my request and this is hindering my approval for an apartment.
Product: Debt collection

I asked to validate the debt. they sent documentation showing that the account was old. Im not sure of the account because I do not owe any attorneys any money, Definitely do not owe {$2000.00}! I would remember that. 

Now columbia collectors illegally reaged the debt to 2014 and negatively impacted my financial decisions. I never made a payment plan or discussed any payment options over the phone. I only asked for validation over the phone. The debt is unrecognizable to me and I believe to be error. nevertheless they reaged the debt, and its on my XXXX and XXXX reports
Product: Debt collection

XX/XX/2016, I applied for fortiva credit card for XXXX XXXX XXXX I was approved, but at the time of that appointment I had to pay the first appointment myself. I was approved for XXXX. I never once used it. Since 2016 I have been fighting with this company, this company is actually the reason I was not allowed into the XXXX Im not quite sure how I am being penalized for a credit card I never once used, I simply was JUST APPROVED.
Product: Consumer Loan

In XXXX XXXX, 2016 bought car and have it financed with Quality Acceptance in XXXX XXXX Californian. My payment began on XXXX XXXX, 2016. My payments were make on time but were not posted to my account. I make payment at XXXX stores ( Pay near me ). I have sent copys of payments but still show that I 'm a month behind.. Pay near me as also emailed company confirming these payments The company also increase my payment with out my knowingly. 
I have send them copy of my insurance. 
I never have receive a written contract about financed. Just an introduction letter.
Product: Credit reporting or other personal consumer reports

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXXXXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$5800.00}
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I never has an account with XXXX  and will not pay for something I never had. Please remove from my account. I have already file complaints with the XXXX  and the crbp regarding this fictitious debt. 

Sent from my XXXX On XX/XX/2025, at XXXX, XXXX XXXX XXXX wrote : XXXX XXXX XXXX We purchased your account from the alarm company XXXX. The balance owed is {$3300.00}. We are willing to settle your account for a discounted amount of {$1600.00}, if paid by XXXX. If you pay the account, we offer full deletion of debt. We would delete it from the credit bureaus in its entirety. Pay online at XXXX with account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax to delete all of my incorrect address information and I also asked regarding debt validation on some accounts on my credit report. I received dispute paperwork from Equifax that is dated XX/XX/XXXX under report # XXXX. Per dispute results the following addresses were deleted on XX/XX/XXXX and reinserted and reaged and put back on my credit report when I pulled my report on XX/XX/XXXX. This is a clear violation of the fair credit reporting act with furnishing inaccurate information. I want the following addresses removed immediately as they do not belong on my report after they have been deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Checking or savings account

I was targeted by mail and applied online through Citizens Bank 's website for a checking and a savings account with {$600.00} bonus last XXXX. It took them until XX/XX/2020 to get back to me and ask me for identification materials. They approved my application on XX/XX/2020. I met all the requirements, but they are not honoring the bonus, claiming that my account was opened on XX/XX/XXXX, and the offer had already expired on XX/XX/XXXX. 

1 ) I applied when the offer was valid, and the delay was due to Citizens Bank 's slow processing. 
2 ) I was contacted for additional material but was not informed that the offer was going to expire on XX/XX/XXXX before my account would be opened.
Product: Credit reporting or other personal consumer reports

Ive told them multiple times that the balance on these XXXX  XXXX accounts are not mine and they just keep saying yes they are like an hour after I dispute and every time I dispute them they just deny it faster.
Product: Mortgage

During COVID I was in forbearance. In 2022 told me that my options were to pay off or do a loan modification, the servicer told me that the loan modification was my best option. Fast forward to now and I was trying to get help from the Mortgage Relief Program and they told me my loan needs to vibe a deferral. I didnt understand and thought that is what I had because my old servicer told me the money was going to the back end of my loan. What they in fact did was add the money I owed to the total amount owed and added XXXX  years to my mortgage so they could get there interest back. I feel duped. I did not know I could have just got a deferral of my forbearance amount that had to be paid if I sold etc and would have to pay a. Additional XXXX  years of interest on that amount also. My loan went to XXXX  years in XX/XX/2022. My loan has now been bought by XXXX XXXX. I can provide those documents too.
Product: Credit card or prepaid card

I started playing an online game. I made a few small in app purchases for {$4.00} to {$9.00} each. These purchases where made using XXXX XXXX. Thousands of dollars worth of charges have shown up on both of my Navy Federal credit cards. XXXX XXXX  refunded a bunch of them on one of the credit cards but refused to on any of the other charges. I contacted Navy Federal and started the dispute process. They just sent me letters for each dispute saying that they're not going to refund the purchases, I did NOT agree to these charges, dozens of player 's on this game, from all over the country are being charged thousands of dollars that they did not spend. The display of incompetence and the supporting of this fraudulent behavior, displayed by both Navy Federal Credit Union and XXXX XXXX is beyond ridiculous. I have played their games, jumped through their hoops and they are still trying to steal from me. The app is named XXXX XXXX XXXX XXXX. It is a XXXX based game and they are over charging there player 's thousands of dollars. Navy Federal Credit Union and XXXX XXXX is enabling this extortion. I have spent dozens of hours of my personal time trying to resolve these issues. I seldom use these credit cards so I wasn't paying attention to the account balances going up over the 4 or 5 months that these charges where accruing. It is going to be nearly impossible for me to itemize these charges, as I have a XXXX  from an XXXX in XX/XX/XXXX. I truly believe that both of these institutions are using this against me. My inability to sort out every XXXX, I get confused when I get stressed out and I'm unable to work through these things. Bottom line is I did authorize about {$150.00} to {$200.00} worth of charges, not {$10000.00} plus. I no longer have the mental capacity to play these XXXX games.
Product: Credit card

Early this year I paid off a bunch of my credit cards, immediately after closing these accounts I called the credit card companies and closed the accounts. I had no issue with all but one of them, and the one was Fortiva. I called fortiva after paying off the credit card, and requested that they close the account the representative was hesitant and kept trying to sell me on keeping the card but I insisted he close the account. So he told me he would close the account. I cut the card up and thought nothing more of it until about a month ago I get a notification that the card has annual fees due and that I was late paying them, meaning they never closed the account, I called them and the foreign guy on the line for the card company said to disregard any notification and that the money isnt owed. So I did. About a week ago I get another notification that the balance on that account has now doubled and I start getting angry. I called the company again, I state that I have a balance of over XXXX $ on an account that shouldve been closed in XXXX. He states that the account was closed on XX/XX/year>, this was months after I called to close the account, and theyve just been piling fees up since. The guy on the phone said he would file a balance exemption for me and stated that he believed me and that would clear this up and I should hear back within a few days. Its been a week now and Ive heard nothing, and Im afraid this might impact my credit score, all because a greedy credit card company didnt simply follow my request to close my account in the XXXX. Fortiva credit card company has not been a pleasant experience
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, I called Capital One as I had read their Hardship page & how they assist their customers that need help. As my XXXX case is in the US District Court after 7 years of waiting I need help. Today, I have talked to 22 representatives & most told me to call back next month when I'm delinquent. I've been transferred many times & been yelled at when transferred to a wrong department. I've also been screamed at. I talked to one person that actually tried to help me. He put me on hold to find out how my interest rate could be lowered & to what. His supervisor came on & voided his actions. I got a letter in the mail saying I was being put on their Specialty Assistance Program. My last 3 past due fees are going to be waived but I've never been past due. Nothing else was offered. I canceled my card personally. Today, I was told to call a third party credit counseling business & they would work with Capital One on my behalf. I'd tried that before & the company wanted over {$4000.00} to talk to 3 credit card companies for 1/2 hour on my behalf. Capital One 's Hardship Department is a farce.
Product: Credit reporting or other personal consumer reports

I ask this company to please validate this debt or remove it from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I didn't authorise these collections that are on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing my Innovis credit report for over six months both in writing and over the telephone regarding XXXX XXXX. My disputes have been repetitively ignored. According to the FCRA, Innovis is responsible for reporting accurate and complete information on credit reports. Unfortunately they have continue to fail that requirement and have ignored my requests to correct and complete my credit report so it is not in violation of FCRA requirements. First, The account is missing any Payment History, both good and bad. There is actually nothing listed on the report, it is blank. That is an FCRA violation. Second, both the Date of Last Activity and the Date of 1st Delinquency are missing from the report, again both are FCRA violations as these dates are required so as to determine the correct date the account drops off my credit report, and third, this account was settled back in XXXX between the account holder and XXXX. It is no longer a charge off but considered income by the IRS. The XXXX  was filed with the IRS back in XXXX and therefore the Balance on this account is inaccurate. There should be no balance because it is a settled account. Again, this is an FCRA violation. I have included a highlighted copy of my latest Innovis credit report, the XXXX XXXX and for brevity sake, my last dispute letter sent to Innovis.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote a letter to XXXX XXXX asking for voluntarirly cancelling my card, letter enclosed. On XX/XX/XXXX I received a email stating account closed. | When I got my copy of my report from Transunion it showed it still active. THEY WILL not in good faith assist me with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 BANK, XXXX XXXX XXXX I was trying to buy a car and they were pulling my credit incredulous when I told them I just wanted them to submit to one place