23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax has been reporting a collection account on my report from XXXX XXXX. There are XXXX accounts reporting with the SAME account number. As I dispute the derogatory account due to invalid information and no right to collect XXXX XXXX AND pulls the " bait and switch '' and places the dispute on the closed account with zero balance that was in good standing instead of the derogatory account that is not mine. I have disputed this account several times and each time Equifax updates the account on my report as valid but they have not provided me with any WRITTEN documentation on how they validated this debt and XXXX XXXX right to collect on this debt as this debt is not mine. The account I am referring to is listed as XXXX on my credit report. However, there are XXXX account with this account number being displayed. So when I dispute the derogatory one that is not mine Equifax/XXXX is not providing me any WRITTEN documentation on either account.
Product: Credit reporting or other personal consumer reports

Due to the incorrect information, this has impacted my ability to be approved for certain financial tools, in which would help in life to become more successful. Due to the false and incorrect information, it has an impactful role in my livelihood which is being impacted negatively. 
Credit agencies have been harassing me. My life has been taken over due to identity theft and XXXX XXXX. I need assistance asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. I'm done with the process. I already sent letters to Bureaus to inform this issue on XX/XX/XXXX. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy an acre of half of land to build my dream home and I can not get a conventional home loan due to my score being at 680 instead of 700. 

I checked my credit reports to see what was holding my score down and saw three very old accounts from XXXX still reporting after they have been taken care of by bankruptcy. These accounts should have been deleted as they are ten years old. 

The bankruptcy listed has incorrect information as well and should be removed. The name associated with the bankruptcy is incorrect. My birth certificate states XXXX XXXX not XXXX XXXX. 

I tried to submit a dispute online but it is not allowing me to send a dispute for Report XXXX XXXX. The credit report was Generated on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Bank is reporting that my account is charged off with an unpaid balance.However, it has been paid in full and settled.
Product: Debt collection

I got into a car accident in XX/XX/2018 and i ahd know insurance well i tryed working out a payment plan with the insurance company of {$45.00} a month which is what i can afford cuz im on ssi well the insurance company never called me back to set payment plan up so now they forwarded it to wilber and associates and they are saying i owe {$2400.00} when the insurance company which is XXXX insurance said i only owe {$1000.00} i been keeping all papers sent to me to show a lawyer so now wilber is saying i have to pay {$250.00} a month or they are having my license suspended again in XXXX and i cant afford that they dont work with you or anything just keep calling to make threats
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report prior to applying for a mortgage loan, it was discovered that there were several inconsistencies on my credit report. Disputes were then submitted with Equifax advising of the discrepancies with a request to either A ) verify the information provided or B ) remove said items from the credit report ( this was on XX/XX/2020 ). I had given thirty days to respond otherwise I would be following up. Well after thirty days with no response and no reflection of change on my credit report, I had decided to send a method of verification request to the credit bureaus on XX/XX/2020 with a request to remove the items if they were unable to provide an update on my dispute AND/OR a method of verification as they have already exceeded the timeframe allotted within the FCRA. Responses were then received advising of little or no change however no method of verification was provided to confirm the credit data furnishers were accurate. A letter in follow up to my Method of Verification request was then sent via certified mail and submitted online in the month of XXXX requesting that the inaccuracies be removed from my credit report which return receipts had confirmed were received as of XX/XX/2020. As it has now been a little less than a month since my last request and over four months since my first request, I am submitting a formal complaint in hopes that the CFPB can provide assistance inn the matter as these inaccuracies require to be removed in order qualify for a home loan. I look forward to your response.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally address an ongoing issue regarding multiple hard inquiries on my credit report, which I believe are the result of fraudulent activities. Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681, I am entitled to accurate reporting of my credit information, and I have taken the necessary steps to resolve this matter. 

Despite my efforts over the past XXXX  days to contact each of the XXXX major credit bureaus ( XXXX, XXXX, and TransUnion ), I have been advised to reach out to your office for resolution. I have submitted letters and documentation outlining the nature of these inquiries, yet no action has been taken to remove the XXXX fraudulent inquiries from my credit report. 

As per 15 U.S. Code 1681, which states that consumers have the right to dispute inaccurate information on their credit reports, I am exercising my rights to challenge these inquiries. The lack of resolution from the credit bureaus is unacceptable, and I am now compelled to consider legal action to ensure compliance with the law and protect my creditworthiness. 

I kindly request your immediate attention to this matter. Please investigate the fraudulent inquiries and facilitate their removal from my credit report. I appreciate your prompt response to this urgent issue and look forward to your guidance on the next steps. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

On or about XXXX of 2023 I tendered payment in full for the alleged automobile installment contract. Since that time Credit Acceptance Corporation has and still is reporting to XXXX, XXXX and XXXX as an auto loan. There are errors that Credit Acceptance Corporation intentionally misreported to my credit report that need to be deleted as well as errors in the instrument used to support the alleged debt. First, there was a down payment when a finance charge was present. 15 USC 1605a, " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. '' Please see attached. Secondly, I sent the properly endorsed order to pay negotiable instrument attached. It states it " secures payment of all that I owe '' as per the Additional Terms and Conditions subsection Security Interest to settle any obligation. Next 18 U.S. Code 8 states that all obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. '' This agreement represent an certificate of indebtedness and a certificate of deposit when it is properly endorsed so any debt in this agreement has been paid. Please remove any and all inaccuracies based on these facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want a Reinvestigation line by line done on these accounts becasue it was not done accurately. These accounts can not have been properly investigated because these accounts can not be both opened and closed. That's why I'm asking for a reinvestigation In Accordance With the Fair Credit Reporting Act : XXXX, Account # XXXX, XXXX XXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX, XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX, Account # XXXX, XXXX, Account XXXX XXXX, XXXX XXXX, Account XXXX XXXX, XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX, Account # XXXX, XXXX  Account # XXXX my federally protected rights are violated and these accounts need to be deleted. 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, which i did not give them. 15 USC 1681 Congressional findings and statement of purpose. 1681i, Procedure in case of disputed accuracy. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ; ( 5 ) Treatment of Inaccurate OR Unverifiable Information ( A ) In general, If, 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 or 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. 15 U.S.C. 1681i, Procedure in case of disputed accuracy. ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( d ), the person that provided the information in dispute to a consumer reporting agency shall ( iv ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency and correction to that information that is necessary to make the information provided by the person accurate. These accounts are not accurate and I need them deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the XXXX XXXX XXXX to my knowledge I do not recall this account with XXXX XXXX XXXX. I need this problem fix asap. I did not receive a HIPPA release form from TransFinancial Companies also I did not receive any application with my written signature. There for this debt is not mind.
Product: Money transfer, virtual currency, or money service

Someone advertised, in my HOA coummity XXXX page, that they were selling off some of there season tickets to a XXXX football game. They were {$150.00} each. I checked the XXXX page and it looked legit, so I had a conversation with them and proceeded to purchase 5 tickets. It cost me {$650.00}. I sent XXXX through XXXX and the other {$450.00} through cash app. I reported the accout to XXXX and reported both of the transfers to XXXX and Cashapp and they both told me that I'm pretty much XXXX and can't get any of my money back. This money was for XXXX for my XXXX boys, and it was everything I had. I completely broke and that messed up everything for XXXX. My kids got basically socks and t-shirts for XXXX and I have nothing left. This is extremely upsetting and wrong that this is allowed. People have to enter their social security numbers to be able to create these accounts and XXXX is linked directly to a bank account so there's no reason they shouldn't be able to give me my money back. I took screen shots of everything and these accounts haven't even been shut down. It's appalling that this is allowed and there's no support or help. These transfers should be insured and this should NOT be allowed.
Product: Credit reporting or other personal consumer reports

under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, XXXX, FDCPA, and METRO 2 COMPLIANCE STANDARDS.
Product: Debt collection

Keeps calling my cell phone. No voicemail at first. Some dates : XXXX XXXX ( left msg ), XXXX XXXX pm, XXXX XXXX. Called sounded like she said " XXXX '' and to call XXXX. She was calling about my brother. 

Do n't know who she is or why she is calling. Web lookups show it seems to be a collection agency maybe " Gc Services - Debt Collector ''. Caller id says XXXX XXXX, tx but comapny is in XXXX tx.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, 2022 a letter was sent via certified mail letter XXXX XXXX know that my consumer rights had been violated no response was send in over 45 days not even a certified slip came back I have no response and at this time I am demanding as the consumer all listed items in the letter be removed immediately due to violations of my consumer rights and also not responding within the federal time period given
Product: Mortgage

FAY servicing LLC is putting my house on a foreclosure auction sale for a equity loan the previous owner took out.

The previous owners sold the house to us without getting the equity paid off and lien cleared. 

FAY Servicing LLC holds the lien they obtained a judgement to foreclose in XX/XX/XXXX and didn't update the county nor take any action on the judgement till XX/XX/XXXX. 

We purchased the house 6 months and now they are foreclosing our house, the Title insurance company is prepared to pay the Max Title policy limit which is what we purchased the house for 6 months ago FAY servicing is totally unresponsive and demanding outrageous amount of money to release the lien way beyond what the house is even worth at fair market value. They are charging daily interest for their inability to take action 2 years ago on us. 

The original loan is for XXXX they are demanding XXXX. This company is extremely dishonest and unfair and and every unresponsive. And it is penalizing and punishing us who are no way related to the debt in the first place. 

If they foreclosure and auction the house they wont even get half of what they are asking us to pay
Product: Debt collection

I had a XXXX XXXX Credit card and it was through XXXX I tried to make payment arrangements but I got sick and was out of work for over a year I would pay $XXXX a month then finally they closed my account after they knew what was going on. Well I had been getting a call from this number XXXX on my number and my finance number. I finally checked my voicemails and they have left some very disrespectful voicemails on both of our phones and my fiance is not even on the account and its very threatening and I know that's against to law to leave personal information on a cell phone saying what they are calling about. Thats against the tcpa and I will not be speaking with them after the voicemails were very disrespectful and we have them saved. The debt collection company is XXXX XXXX  and it's a lady on the voicemail saying I don't know why you are not calling us back I guess you do not care and that I"m in breach of contract, now I'm not a lawyer but I do know consumer laws and they should have not left that on my voicemail or my fiance phone at all. The lady name is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN card.
Product: Checking or savings account

On XX/XX/2023, I opened a Wells Fargo checking account online using the bonus offer link. After I opened the checking account, I received an email confirmation letting me know the bonus offer has been applied. In the email, it listed out my application number XXXX and bonus offer disclosure and additional requirements. Fast forward to three months later, I believe I have met all the requirements listed in the bonus offer information. When I called Wells Fargo, the representative let me know that she could not find any information for bonus offers on my account. She also couldn't access any application form for account and said there is nothing she could do. 

I have kept email confirmation for the checking account. The account history should serves well to show that I'm eligible for the bonus offer. I'm filing this complaint to receive what was set in the original terms. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX 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 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. 

Also date last active, date of last payment, and date opened on the following accounts need to be verified as they are reporting old outdated and incorrect information. 
XXXX # XXXX last payment date is XX/XX/XXXX, but outdated as far as being opened XX/XX/XXXX. Transunion and XXXX deleted it but XXXX is holding this account when it is past the statute of debt limitations in the state of North Carolina is 3 years. XXXXXXXX XXXX  # XXXX last payment date is XX/XX/XXXX on XXXX, and last payment date is XX/XX/XXXX on XXXX XXXX the balances are also different. XXXXXXXX XXXX  # XXXX, dates last active and dates of last payment are inaccurate.
Product: Student loan

I used the auto-pay system to pay my loans and the servicer promised a .5 % reduction in interest. In XXXX, I changed my repayment plan to fixed in an effort to reduce interest payments and increase premium payments. I set the payment amount above the required payment as well. Great Lakes did not make the XXXX payment despite confirmation. They then reduced the auto-pay amount. As a result, the XXXX and XXXX payments have gone to interest only. They are also charging me at a rate of 7.8 % interest despite my contracted rate of 6.75 % which should be 6.25 % due to the auto-pay arrangement. This is the second time that Great Lakes has readjusted the auto-pay amount despite my efforts to set payments on line, by phone and by email. I feel their effort is to increase payments to interest and refuse to credit to premium.
Product: Mortgage

We entered into a forbearance agreement on our home mortgage with LoanCare, and recieved a written agreement dated XX/XX/XXXX. The forbearance was for 180 days, and says in the agreement it is effective XX/XX/XXXX and expires on XX/XX/XXXX. Per telephone conversations with representatives from LoanCare, we were instructed to request a deferment of these payments, so that they would be tacked onto the end of the loan, so that the entire balance due would not come due at the end of the forbearance period. We did so, and were told via telephone that this would not be a problem. However, contrary to what we agreed to on the telephone, when we received the written notice regarding the deferment, it was for only two months instead of three months. We started calling LoanCare as soon as we received this information, and they told us that this was not uncommon, and it would be corrected. We started making our mortgage agreements, as agreed, on XX/XX/XXXX. However, LoanCare applied the XXXX payment to the month of XXXX -- which should have been precluded due to our agreement. I have had roughly ten phone calls with LoanCare since that time, and their response is that " their loss mitigation team '' can not change the terms of the agreement. Please note that we have continued to make our mortgage payments on time per the terms of the written forbearance plan, but LoanCare is still applying the payments incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thunderbird Collections used aggressive scare tactics and refused to acknowledge the marital settlement agreement that SPECIFICALLY stipulates that I am indemnified from my ex- husbands medical bill. They provided NO documentation, and did not try to get the money from him. 

They were rude, aggressive and used bully tactics -- I have added to my XXXX  file a copy of the marital settlement agreement that stipulate this. 


Company Thunderbird Collection Specialists Address : XXXX XXXX XXXX XXXX Date of separation XX/XX/2014
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$230.00} o XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$920.00} o XXXX XXXX Balance {$1600.00} o XXXX XXXX XXXX Balance o XXXX XXXXXXXX Balance - o XXXX XXXXXXXX Balance {$1600.00}