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

Inquiries on account that I do not recognize and or have no idea about. Via phone on all 3 credit bureaus I was told they do not fix these issues! but their job is to make sure everything is accurate on the account so Im complaining and theyve done nothing and Ive sent dispute letters and did not conduct proper investigations nor sent me information showing that they in fact verified the info and wasnt computer generated!
Product: Credit reporting or other personal consumer reports

15 USC 1692 C ( C ) Tat law clearly states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Acct : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is not updating my student loan balances with credit agencies. They have not provided an update since XX/XX/XXXX. During that time, I have paid off my student loans entirely. I have filed disputes with the credit agencies that go nowhere as I am told, generally, that they simply report the information from the debt holder. I have attempted to contact XXXX on multiple occassions, but after two to three hour hold times, the call usually drops, but if I do get someone, they aren't in a position to actually do anything, and say that XXXX reports the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint requesting the Credit Bureaus to correct the disputed accounts referenced below. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account 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 Balance Owed : {$3100.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Product: Debt collection

I had some time to review my credit report and I noticed a few accounts that didn't belong to me. These accounts have never been registered by me before nor have I ever had any contacts with the creditors. Majority of the accounts below are originally from the TIME OF HAVING MY Identity stolen. Please see below. 
Account Name : XXXX XXXX Acct # XXXX Account Name : Amex Acct # XXXX Account Name : XXXX XXXX Acct # XXXX I am requesting that the accounts above be removed from my credit reports and that you place a fraud alert on my profile. I fully understand my rights under the FAIR CREDIT REPORTING AT AND U.S CODEs I researched my rights regarding the FAIR CREDIT REPORTING ACT and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report Please do not respond to my typed letter stating We verified that account belongs to you without providing me with all documentation. Once done feel free to send me my updated credit reports to my home address listed above.
Product: Money transfer, virtual currency, or money service

I sent XXXX using money gram from the US to XXXX . I did this online and used my debit card to be sent to XXXX  account in XXXX. XXXX. Transaction XXXX. After one hour the transaction says error. I called the merchant and they say there is nothing they can do. I said refund my money. They said no. The date sent was today Friday XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ALLY FINANCIAL XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ALLY FINANCIAL XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address the collection account reported by First Collection Servs on my credit report. It has come to my attention that there is a collection account associated with my name, and I have reason to believe that the accuracy and validity of this account are questionable. Upon reviewing my credit report, I have identified the presence of the collection account in question. However, I have no knowledge or record of any outstanding debt owed to the creditor listed on the account. This discrepancy has raised concerns regarding the accuracy of the information being reported. I hereby request that First Collection Servs conduct a thorough investigation into the validity and accuracy of this collection account. I kindly ask for the provision of supporting documentation and evidence that substantiate the legitimacy of this debt, including the original creditor 's agreement, a detailed account statement, and any other relevant information. It is important for me to ensure the accuracy of my credit report, as it directly impacts my financial standing and opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice an account on my consumer profile upon return from XXXX XXXX, someone opened a fraudulent account in my name and was paying it somehow but i noticed it when i started getting notifications from my consumer profile report. i have stated to this company and now i am notifying the credit bureaus that this is a fraudulent account obtain in my name. i asked this company to send the original contract with my wet signature, the company could not provide this information therefore proving that this contract is fraud and does not exsist. i am the only natural person that can validate or give consent of an obligation that you the debtor says belongs to me 15 USC 1692 ( E ) this is a violation of federal law. I dispute the validity of this fraudulent account which the company has failed to show or provide me with the original contract. This has caused me hardship because i have not been able to obtain credit because of this companies failure to remove debt in 30 days i have filed an affidavit in federal court for damages pursuant to federal law! 5 USC 1692 ( K ) this company is liable to such person the sum of 1,000 according to the F.and can be filed in the U.S. District Court This company must be removed from my consumer profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my scored dropped. After checking my report I notice these accounts should not be on my report and need to be removed. I don't have a contract or own these accounts. 
XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$670.00} XXXX  XXXX XXXX XXXX {$670.00} XXXX XXXX {$4000.00}
Product: Student loan

I paid off one of a two part disbursement in XX/XX/XXXX and had to discontinue autopay to prevent another payment from being withdrawn from my account. In attempt to do so, Sallie Mae advised that I need to unenroll from autopay completely and re-enroll once I saw the account that was paid off was at a {$0.00} balance. 

I did as requested, waited for the {$0.00} balance, and made payments manually to the remaining two accounts to ensure my payments were on time. After the XXXX due dates passed and I confirmed the {$0.00} balance on the account I paid, I returned to their website to re-enroll in autopay - well in advance of my XXXX due date. This meant that two accounts needed to be enrolled, which I did. As you'll see attached, the online portal shows that all accounts are enrolled. Despite this, only one of the two accounts were enrolled. A payment was withdrawn from the single disbursement account only. 

On XXXX, XX/XX/XXXX, I began to receive collection calls for a past due amount. I asked them to review my autopay and explain why the payment wasn't taken. They were unable to explain why that happened on the one account while the other went through. I asked to speak with a XXXX several times and the collections person continued to ask to take the payment over the phone. Finally the person agreed to transfer me. I've now been on hold waiting for a XXXX for 24 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy and some credit card accounts. In XX/XX/2018. At the end of their investigation Trans Union Credit Bureau just stated that the Information was Updated. 

Results : Item ; Description ; Results ; CHAPTER XXXX BANKRUPTCY FILING Docket # XXXX INFORMATION UPDATED XXXX XXXX XXXX XXXX XXXX XXXX # XXXX INFORMATION UPDATED According to rules and regulations of the " FDCPA Section 807 ( 8 ) " the Credit Bureau must put a statement with these accounts to show that they were disputed by the consumer within 30 days. They did not do as required by the law. Trans Union Credit Bureau is in violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to all three credit reporting to have investigate the in accurate information being report. 

on all three reports XXXX XXXX is reporting that I paid as agreed from XXXX XXXX 2019 but, in XXXX it reports I was 60 days late and in XXXX and XX/XX/2019 the vehicle was repo. This information is inaccurate and should not be reported on my credit. 

The are also reporting this as a charge off but, stating I owe a pass due amount of {$9300.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within 4 business days, according to section 605C of the FCRA. I would like all listed accounts to be blocked and deleted company information. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$560.00}, DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX {$3600.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2400.00}, XXXXXXXX XXXX XXXXXXXX XXXX {$1700.00}, XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX, {$1700.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$920.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX {$1000.00} XXXXaccount written/charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may provide a consumer report in line with the consumer 's written instructions. I would like to state that TransUnion is in breach of this provision. The following accounts were never reported on my consumer report by TransUnion with me as the consumer 's express authorization. 

Consumer : XXXX XXXX Last 4 of Social : XXXX date of birth : XX/XX/1990 TransUnion file number : XXXX Accounts 1. XXXX XXXX XXXX account # XXXX 2 XXXX XXXX XXXX XXXX : all accounts associated with this company 3. XXXX XXXX XXXX XXXX : all accounts associated with this company Identity theft occurs without consent. I've included a report on identity theft that claims they are being falsely provided on my credit report. I demand that these errors be taken out of my consumer report. I would start to lose trust in the financial system if these mistakes weren't fixed. In accordance with 15 USC 1681 ( a ) ( 1 ), I would like to state that the banking system dependent upon fair and accurate consumer reports. TransUnion is breaking the law by allowing these accounts to appear on my consumer report. Once these illegally furnished accounts are removed ; TransUnion must inform the other two credit bureaus. Hopefully this can be done without me having to file litigation.
Product: Mortgage

After my loan was paid in full. XXXX additional automatic bill payments were made to the servicing company. I 've requested they send those payments back to me, but I was told they have no record of the payments. I faxed them proof of the checks being cashed by my bank, and they said their research department never received them. I asked if I could email them the copies, and they said no. I would be required to fax in my request. It 's been more than 2 months and I still have not received my payments refunded to me. I know the servicer has a fiduciary responsibility to apply payments, or refund over payments in a timely manner. I also experienced the same kind of issues when requesting the payoff amount in the first place. They will only accept payoff requests via fax, and there appears to be very little accountability for employees to ensure they are received and worked on in a timely manner. Before finally receiving my payoff quote, it was almost a month in time from the initial request. I do n't want other customers to have to experience this kind of servicing. Ultimately the consumers are hurt by a lack of care on the part of these type of servicers.
Product: Credit reporting or other personal consumer reports

This follow up was due to the several remaining items requiring attention. According to FCRA section 605, it is mandatory to remove any items listed on FTC REPORT XXXX XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report XXXX XXXX I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance : -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please be advised that you have four business days to remove the reporting of any fraudulent items from my credit file. I do not consent to E-OSCAR or any form of automated verification. Your prompt attention to this matter and a response within four business days are appreciated.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

Upon pulling my credit I noticed Financial Data Systems had reported debt to all three credit bureaus. I sent a debt validation request on XX/XX/18 which they never responded and sent a second letter on XX/XX/18 requesting that they stop reporting this debt due to failure to validate within 30 days required by the FDCPA. They continued so I filed complaints with the XXXX, CFPB and FTC and they proceeded to call my phones. I never recieved phone calls prior to my complaints with the mentioned agencies. Financial Data Systems has started calling my phone leaving messages offering a pay to delete the accounts. I will NOT pay to delete accounts that they will not furnish proof of. As of XX/XX/18 I have mailed them a certified cease and desist order to end further calls to my home and cell phones. The following are dates where FDS has called and left messages from phone number XXXX : XX/XX/18 @ XXXX XXXX, XX/XX/18 @ XXXX XXXX, XX/XX/18 @ XXXX XXXX  and XX/XX/18 @ XXXX. This company has refused to provide debt validation and therefore has no reason to continously call my phones. Until there is proof of debt there is no need to converse via phone.
Product: Mortgage

This is a complaint is for Union Home Mortgage company failed to comply and give information on portal about my loan. Back XX/XX/XXXX. I filled out application for state assistance XXXX with XXXX. Which is the state of Michigan. My mortgage company failed to comply with the state. Which they also said they did not receive any emails at all until XX/XX/XXXX. Which XXXX sent an email XX/XX/XXXX which asked questions to my mortgage company in a portal. Which the portal is how they exchange information. The mortgage instead of giving information. Went ahead and ignored the emails and letters sent to them wanting information my mortgage. So since they did this which put XXXX months until someone finally sent over information. The grant was denied because my mortgage company failed and put me over the {$25000.00} cap that XXXX was granting me from the state. Not just that Union Home Mortgage denied my grant and would not take the offer and I even agreed to pay on the rest owed in additional payments to be caught. They wanted the loan to be paid in full. Which they knew I had covid multiple times. Also injured at work and was having hard time with workmans comp on getting surgery on my knee area. Not just being denied by them. They also sent my account to a different lender. Which they denied my grant as well. So now I am close to losing my home. Due to horrible service and terrible business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX COLLECTIONS : INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was denied credit with XXXX XXXX on XX/XX/2024, because of information provided by Equifax. They are reporting that my credit file contains serious delinquency which lead to XXXX turning me down for a home improvement loan. When accessing my credit report on Equifaxs MyEquifax website, the credit summary lists XXXX negative items. When you try to submit an online dispute of that account, no missed payments, minimum payment not met, or negative information shows up in any of the monthly transactions on any current or closed account. Therefore, you are not allowed to dispute any alleged negative information on any account even though Equifax claims that there is negative information but they give you no due process to dispute this information.
Product: Debt collection

I have been contacted by a debt collector, XXXX XXXX XXXX ( XXXX ) numerous times. Each time I have ask for a copy of the original contract that they are claiming that I signed. They have refused to do this, and have sent me, twice, info that says an account was opened in my name and using my SS #. I disputed this through XXXX XXXX, and XXXX sent them the same info that they sent me, and I was told by the Credit Reporting agency that I owed the debt. This has not, or ever was, listed as being disputed. The amount is for {$1800.00}. Because XXXX has not sent me valid proof that this debt is mine, it should be removed from my credit report.