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

XXXX sent me the findings of their investigation which states the company verified the bankruptcy. XXXX has stated numerous times the information came from XXXX XXXX. On XX/XX/2023 XXXX XXXX sent a letter that they are unable to verify the information. How did XXXX verify this information? The bankruptcy court nor I verified this information. 

XXXX continues to be in violation of : Defamation of Character ( per se ) 1. Negligent Enablement of Identity Fraud 2. Fair Debt Collections Practices Act 15 USC 1692g violations 3. Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the Experian and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are XXXX XXXX Balance Owed : {$71.00} XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance : {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is EXTREMLY Old, and incorrect information. The orignal company I BELEIVE was XXXX XXXX. Which when I left that company it was in XXXX I beleive. Why on earth they are reporting this in XXXX is beyond me. I do not acknowledge owing them this debt as my bill was paid in full when I moved and all equipment was returned in perfect condition to them at the time I cancelled the service. So I can not imagine what it is even for. I have contacted the company by phone and been given the run around and never gotton any resolution at all. I have written letters and never gotton any responce. It is past time for this to be removed from my credit if they can not even be bothered to respond to inquiries about it and I think the limit for it to be on my credit at all is up at any rate. 

ENHANCED RECOVERY COMPAN Reported :XX/XX/XXXX OpenedXX/XX/XXXX ( 1 yr, 3 mos ) ( this was most DEFINATELY NOT opened in XXXX ) Account status Open Type Collection Account Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX Closed No Info
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an FTC Identity Theft report in XXXX, XXXX. I sent this information to all credit bureaus. Some accounts were removed, most were not. All disputed accounts are not mine. I direct you to remove all ( attached ) disputed accounts as originally requested. I will list them here to clarify the accounts I am disputing as not mine : XXXX XXXX : Open Date XX/XX/XXXX, XXXX  XXXX : Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  : Open Date XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX, XXXX  XXXX : Open Date XX/XX/XXXX ... Many violations of federal law have occurred in the last 5 months. These are also attached. In your response, please provide the written instructions I gave you in conjunction with 15 U.S. Code 1681b ( a ) ( 2 ). If you do not have my written instructions, this is a violation of 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ) and 15 U.S. Code 1611 ( Criminal liability for willful and knowing violation ). More violations are highlighted in the attachment. I demand immediate removal of all accounts noted both in this compliant and in the attached documents or I will sue you in Federal Court for defamation of character.
Product: Debt collection

This was oponed without my concern for a relative my name is is incorrect which is not my real last name. 
The person Hows opened this acccount is on jail. 
I do n't have to paid something that is not mine. 

Thanks
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to the ongoing inaccurate reporting of these accounts by Comenity Capital Bank, despite multiple dispute attempts over the past five months. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. The details of each account and the errors are as follows : 1. CCB/DELL Account Number : XXXX Issue : This account is inaccurately reported as a charge-off/collection with a {$0.00} balance. 

Specific Errors : Inconsistent High Balance Reporting : XXXX shows {$1800.00}, XXXX shows {$0.00}, and XXXX shows {$2000.00}. 
Comments : Incorrectly noted as " Charged off account transferred or sold '' despite having a zero balance. 
FCRA Violation : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information that is not accurate or complete.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to correct the information within the 30-day investigation period. 
2. XXXX Account Number : XXXX Issue : This account is reported as negative even though it is open and current. 

Specific Errors : Incorrect Balance Reporting : XXXX and XXXX report a balance of {$490.00}, while XXXX shows {$460.00}. 
Inconsistent Monthly Payments : XXXX reports a monthly payment of {$30.00}, while XXXX and XXXX report {$37.00}. 
Past Due Status : Incorrectly shows as 2 days past due on all bureaus despite being current.

FCRA Violation : 15 U.S.C. 1681s-2 ( b ) Failure to thoroughly investigate and correct inaccurate information after disputes.

15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete the account when they could not verify the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES along with LATE PAYMENTS that were not my fault as it was a billing error on XXXX XXXX which caused multiple late payments throughout my credit profile. Please remove the negative items from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing a collections account of {$0.00} from a SYNCB/Menswearhouse. This imformation is being incorrectly reported as the collections account has been removed from my credit report by XXXX XXXX.
Product: Debt collection

I am have not received written notification of this debt. Nor am I aware of this debt owed to this company. I dispute the information that Portfolio Recovery Associates has supplied credit bureaus XXXX, XXXX and XXXX as inaccurate and or incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX Account name XXXX XXXX # XXXX Account name 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 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 or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting XXXX, XXXX, and XXXX to block information on my credit report that resulted from identity theft and fraud. Specifically, I seek to block the following fraudulent entries : XXXX. An inquiry at 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 XXXXXX/XX/XXXX XXXX accounts have led to several fraudulent hard inquiries and collections on my consumer FICO credit report. I have attached a list of these inquiries, along with a copy of the consumer FICO credit report maintained by Experian, which includes the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries mentioned above, as they were not initiated by me and are a result of identity theft and fraud.

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof that all the aforementioned entries are due to identity theft and fraud.
Product: Debt collection

Received a collection notice from First Collection Services ( " FCS '' ) on an old XXXX Internet/Phone bundle account that was discontinued XXXX, 2015. 

I sent my XXXX 's final bill to FCS as proof to show that there is no balance due on that account and that no money is owed. 

FCS however disregarded the furnished evidence of absolute facts, but rather chose to validate the charge on outdated information obtained from XXXX.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the XXXX data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report.

The details of the fraudulent account are as follows : 1. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately.XXXX XXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report. 
XXXX. Section XXXX states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this XXXX account can not report. Please remove this account immediately. 
XXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report. 
XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately.3 XXXX XXXX XXXXXXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report. 
XXXX. Section XXXX states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this XXXX account can not report. Please remove this account immediately. 
XXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report. 
XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account XXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report. 
6. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this XXXX account can not report. Please remove this account immediately. 
XXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report.
Product: Credit reporting, credit repair services, 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 XXXX The account does not belong to me XXXX XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX XXXXThe account does not belong to me XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me XXXX XXXX XXXX The account does not belong to me 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 states a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency`
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 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 XXXXXX/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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generalif, after any reinvestegation under paragraph ( 1 ) of any information disputed
Product: Mortgage

In XX/XX/year>, I applied for and received a XXXX from XXXX. Shortly after my approval and signing of the contract, it was transferred to Shellpoint Mortgage Service. Shellpoint required me to wait 60 days before I could access my HELOC, a condition that wasnt mentioned in my signed contract. I was informed twice that I could make withdrawals via check or electronic transfer starting XX/XX/XXXX. However, when I contacted Shellpoint on XX/XX/XXXX to confirm their services after the XXXX and to request an advance, I was told that I could only withdraw by check, which would be mailed to me and might take an additional 30 days to arrive. I don't believe Shellpoint operates legitimately, as their practices seem questionable. They have made it significantly harder for me to access my XXXX which was approved by a different company, effectively altering the terms of my original contract without notice. I want Shellpoint to honor the terms of my contract and make my funds available immediately by electronic transfer to check. Shellpoint has received payment by XXXX already this month, so it confuses me as to why they can not or refuse to give advances the same way.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and my wifes name is XXXX XXXX. We currently have a mortgage with AmeriHome Mortgage. In XXXX of XXXX we entered into forbearance under the CARES Act. 

Beginning XX/XX/XXXX we began receiving weekly phone calls from Amerihome. Each call started with a statement that this was a call from a debt collector in an effort to collect a debt. The content of these calls was questions about income, expenses, when can we pay, how much can we pay and constant mention of default, foreclosure, deed in-lieu and short sale. At this same time we started to receive letters in the mail consisting of the same subject matter ... all of which amounted to scare tactics and threatening behavior. 

In XXXX both of our credit scores were impacted due to Ameriprise reporting a balance increase, I assume due to interest. 

In XXXX after making a mortgage payment I attempted to setup a repayment plan, however, the Amerihome representative told me that was not possible. 

XX/XX/XXXX I spoke with a different representative from AmeriHome. During this conversation I was able to setup a repayment plan with AmeriHome. At the time the repayment plan was setup we owed {$5800.00} which represented payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To start the repayment process we had to pay 50 % ( {$2900.00} ) of the outstanding balance, which we paid at that time. The payment of {$2900.00} paid the XX/XX/XXXX payment and half of the XX/XX/XXXX payment. The remaining outstanding balance will be paid over a period of four ( 4 ) months with equal payments included with the monthly mortgage payment. 

Today, my wife and I both received notifications of a significant decrease in our XXXX credit scores. My credit score reduction was 60 points and my wifes credit score reduction was 105 points. This reduction was a result of AmeriHome Mortgage reporting we are in default and 60-89 days past due. 

Not only is the reported delinquency timing incorrect, it is also in violation of the CARES Act. 

This item could be removed from our credit reports tomorrow but it will take years to gain back the points that were reduced, incorrectly, as the credit scoring system is flawed, as well know.

Our family is looking at a potential relocation due to career movement and we likely will be unable to purchase a new home in our new location or, if so, will be at significantly higher interest rate. We will be penalized and punished for this erroneous reporting and will have no recourse.

As a side note, no one asked for this pandemic nor its devastating results. If AmeriHome Mortgage is doing this to my family and me, I can only imagine how many others they are treating with scare tactics, threats of losing their homes and devastatingly erroneous credit reporting. 

Thank you for your assistance ... I look forward to hearing from you. 

XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Date received : XX/XX/XXXX Consumer 's state : AZ Product Vehicle loan or lease Sub-product : Loan Issue Managing the loan or lease Sub-issue : Billing problem Consumer Complaint Narrative I paid my normal monthly payment of { {$650.00} } on about XX/XX/XXXX but KIA Motors Finance has refused to credit my account to this day despite my many attempts by phone, email and first class mail. This has caused my credit to be bad. KIA sent me a confirmation letter verifying this payment through XXXX XXXX. KIA REPOSSESSED MY CAR WHILE I OWED ONE " LATE '' PAYMENT THAT SHOULD HAVE BEEN TAKEN CARE OF BY THIS $ $ XXXX
Product: Credit card

A CapitalOne Mastercard was opened in my name but I did not apply for one. 
XX/XX/year> : I called CapitalOne to alert them that I did not apply for this credit card so they closed the account and said my identity was likely stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian, I have a user & password, also PIN. I can't login to their site. 
I have called approx. 7 different phone numbers over the past couple of months. 
( I also sent them an email last night, & it was returned! I couldn't read any info, therefore it was disposed of in Spam! ) Cust Serv. # XXXX, XXXX, XXXX, XXXX. 
No one answers any calls! 
I don't want to change PIN, or password. This creates more problems on my computer when doing so!

They have been written down on 2 reports, First 1 I had received is dated XX/XX/XXXX & second is datedXX/XX/XXXX. 
I haven't seen any reports since then! Therefore they didn't fix the problem!
Product: Student loan

XXXX XXXX did n't explain the loans and did n't tell me about the loans being private. they also told me that I could pay {$25.00} and there was nothing that could be done to me which is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance has violated my consumer right to privacy although I have made them aware that I did not and do not consent to the sharing of my nonpublic personal information to nonaffiliated third parties. They have furnished this account on my consumer report. They have violated my rights and multiple federal laws. 15 USC 6801 protects my right to privacy. 15 USC 6802, and 6803 obligate Credit Acceptance to provide me with the opt-out disclosures and obligate them to comply with my choice to opt out of the sharing of my nonpublic information. I have sent multiple complaints through the CFPB regarding this issue. I also sent an Affidavit of Truth to Credit Acceptance on XX/XX/XXXX. They have failed to rebut this Affidavit of Truth and instead responded with a " template '' on XX/XX/XXXX. Credit Acceptance claim this " template '' is a model for what they claim to have sent to me on XX/XX/XXXX. Credit Acceptance has provided nothing but hearsay. I also contacted the Maryland XXXX XXXX XXXX XXXX XXXX XXXX XXXX about this situation. Credit Acceptance responded with the same " template '' that they sent to me. They only sent this " template '' after receiving my Affidavit of Truth with Exhibits which included a copy of the letter they sent to me on XX/XX/XXXX. Credit Acceptance responded they have not obtained a copy of this letter that they claimed to have sent to me on XX/XX/XXXX. I rebutted this response with the Maryland XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX but I have yet to receive a response from Credit Acceptance. 

Furthermore, Credit Acceptance has failed to comply with the Cease and Desist that I sent to them on XX/XX/XXXX. I requested they cease ALL communication. The furnishing of this account on my consumer report is " communication ''. 

See Attachments.