23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX debt is over 7 years old. The debt is paid off as it was consolidated. There has been no data reported since 2012. I have repeatedly informed the credit bureaus of this and it should no longer be showing on my credit report and I wish for it to be removed. They refuse to remove it.
Product: Debt collection

I filed a medical bankruptcy after talking to XXXX different XXXX and was advised by them all that a bankruptcy was my only option. First of all my attorney failed to notify me that I had a lean put on my home. Then when I sold my home I ended up paying a settlement that I have documents that show the debt was discharged in bankruptcy. My lawyer, XXXX XXXX XXXX Colorado, is claiming it was my responsibility to know that I had a lean. I was told by them, after they had taken my money, not to worry about anything they would take care of it all so how was I suppose to know. The lawyer in my closing said that Credit Systems XXXX Colorado is collecting on a dept that was discharged in the bankruptcy and therefore illegal because there is no debt to collect. I could n't wait the 6-8 weeks to reopen the case and get a judge to drop the judgment so I had to pay the amount. Called XXXX parties and getting the run around from them XXXX. Want to know if there is any recourse in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. XXXX # XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX  of XXXX # XXXX XXXX XXXX XXXX All of these accounts were not open by me and are still on my report. I have attached the FTC identity theft report. DELETE THEM ASAP PLEASE. 

FTC REPORTS # XXXX & # XXXX
Product: Debt collection

XX/XX/XXXX : I was sent a final account statement from my previous apartment complex, XXXX XXXX of XXXX, NC, stating I owe a total of : {$5300.00}. My charges equal a total of {$1400.00} and XXXX XXXX is charging me an additional amount of {$4100.00} to " move-out ''. They had signed me up for an additional 4 months, from XX/XX/XXXX to XX/XX/XXXX. My lease was originally set to end on XX/XX/XXXX. I spoke with the apartment manager ; XXXX XXXX via email on XX/XX/XXXX stating I needed to extend my lease until the end of XX/XX/XXXX, ONE month total. She forwarded me the lease to sign and it was returned to her on XX/XX/XXXX. She had signed me up for an additional 4 months. I agreed to only an extension of ONE month not FOUR. I was charged {$4100.00} in rent/late fees for those additional months. I will gladly pay the {$1400.00} in charges for the month of XX/XX/XXXX. I moved out the last day of XX/XX/XXXX and sent her notification of my move out date. This incorrect charge is now in collections and damaging my credit score, preventing me from applying for credit cards and loans. I have an email with payment confirmation for XX/XX/XXXX rent, I have attached these email conversations. The payment was made by my boyfriend at the time, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by under your company. This is causing me financial injury and deformation of character. I am unable to get a job or apply for credit. This have hurt the credibility of hurting my credit.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed several discrepancies for XXXX XXXX. Several different Account names XXXX. Different Account Types XXXX. Different Status XXXX. Different Responsibility XXXX. Incomplete/ Inconsistent Payment history XXXX. Different Contact Phone # XXXX. Different Comments I have disputed this information with the bureaus several times & it is coming back as Verified and accurate. How is this information being verified and reporting accurate if its reporting different on each credit report? In result to these inconsistent, inaccurate & incomplete derogatory marks I have been denied funding. 
This is Violation of : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character. 
Negligent Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. 
I am requesting this account be removed from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. XXXX XXXXXXXX ( XXXX ), It states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Product: Credit reporting or other personal consumer reports

This bankruptcy entry has caused me significant financial and emotional hardship, severely impacting my ability to support myself and my family. I believe that this record has either been reported inaccurately or has remained on my credit report for a period longer than permitted by law. Additionally, I believe this matter has not been handled in compliance with the guidelines established by the Consumer Financial Protection Bureau ( CFPB ) and the Fair Credit Reporting Act ( FCRA ). 
XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

while I was away in Florida training from XX/XX/XXXX- XX/XX/XXXX for a XXXXXXXX career. When I returned home to start inquiring about buying a home back home in Georgia, I pulled my credit report to check status and notice a few accounts on my file I did not apply for. I called the companies on my credit report and they said that it was accurate. I told them that it was not me I was in Florida and that it had to a mistake. I talked with the loss mitigation department with each company, and each one informed me to file a report of identity theft and submit the required documentation to so that they can initiate an investigation and have my credit report updated.
Product: Mortgage

On XX/XX/2019 I found out that Selene Finance had interfered with my real-estate bill from XXXX County VA. At that point, I called Selene Finance and informed them that they were incorrect for paying my real-estate taxes. The person I spoke with at Selene Finance said he would have it fixed within 10 days, it now has been well over 150 days and countless phone calls, everyone I have spoken with at Selene Finance within the last 150 days keeps saying the same thing, I will fix it. 

I have faxed them the receipt from XXXX County VA, to show that I had paid the taxes. I have requested on four different occasions, including a fax communication that they give me a signed copy of the agreements showing me they have any right to take escrows and/or any other payment or payment ( s ), to date I have not received those agreements. They are trying to collect {$3300.00} a month to include mortgage and escrows, which is incorrect. For the past 12 years the mortgage has been {$2000.00}. At the time the mortgage dispute was to be resolved they sold my mortgage to another lending financial institute, XXXX XXXX. On XX/XX/2019 it was sold to XXXX XXXX XXXX XXXX although Selene maintained servicing the account the mortgage was increased the same month as the sale.
Product: Debt collection

XXXX advanced me money for use in my business around XXXX. I sold the business and the new owners were to repay the debt as part of the deal. They closed the business in XXXX. In XXXX XXXX reached out to me and said I have an outstanding balance of {$1900.00}. I explained that it was supposed to have been paid by the new owner and I would contact them about it. In XXXX XXXX  reached out to me about the debt and by that time the people I had sold the business to were long gone. I tried for a couple of months to get ahold of them. XXXX continued to reachout to me and I told XXXX that I would take care of it and in XX/XX/XXXX I started making payments on it. XX/XX/XXXX made the final payment of {$1500.00}. ( I have the bank records to prove it ). In XXXX ( XX/XX/XXXX ) I received a letter from MRS BPO , LLC, with the acount # XXXX asking for payment of $ XXXX.for XXXX.I called them and said it had been paid and never heard from them again. Now I have just recieved a 1099-C for the amount of {$1700.00} saying its for XXXX and is charged off and I need to declare it on my taxes. This is not right. I paid my bill and should not have to declare this. I have the bank records that show payment to XXXX in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first wrote a letter to all credit bureaus back in XX/XX/XXXX, the wrote back saying all the information on my report were correct. I called on XX/XX/XXXX to dispute the items on my credit report, it was " fixed '' the wrong names was still showing when I asked them to remove it and only shows the correct information, as well as other collections that should've been removed. One rep even told me they can not delete my address because " it part of my history ''. my address is not public record for others to see. 
In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX and XXXX keep reporting I have late payments on a XXXX account with the account number XXXX the late payments are XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 I have never been late the account balance on the account is incorrect please update balance to account paid in full please remove all late payments from this account with XXXX TransUnion and XXXX I was never late
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two accounts with XXXX Credit Bureau multiple times. These accounts are not mine and inaccurate. These two accounts are reporting that I owe {$25.00} each.
Product: Credit reporting or other personal consumer reports

I believe FCRA XXXX says we have to take out wrong accounts from my credit report. Can you see if the papers match? Some accounts listed have wrong info about what happened and when it happened.
Product: Money transfer, virtual currency, or money service

Im in the bank account so I was {$950.00} in a hole call Wells Fargo and try to talk to him and course. No one seems to speak English so you have to like repeat yourself 20 times but they like double quadruple charged me for making transfers thats what the whole I transferred XXXX for my checking to my savings, then back to my checking because I found something I wanted to buy online and I transferred that to XXXX XXXX because I dont typically like using my card online anymore. I transfer the XXXX XXXX  so my XXXX XXXX  and took it but thats another complaint a lot theyre doubling triple the charges of XXXX and I put me in the whole XXXX {$900.00}, I tried talking to him and he hangs up on me. That would be fraud. Could be fast robbery burglary so many things because as my money and I counted for and then they did all that charging it which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 120 days past due on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) These accounts reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

I sent a medical collection debt validation letter requesting information about this alleged debt that is on my credit report. The letter was received by a representative of the company who's signed the return receipt on XX/XX/2020. I have not received a response but I have proof that my letter was received. By law on the Fair Credit Reporting Act, a collection agency must respond within 30 days. The collection agency has failed to respond but yet still is reporting the alleged debt on my credit report. The law states that the Collector must cease all collection activity when in violation of this law. It also states that they must remove the alleged debt for failure to validate it within the allotted Time by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX SELF / LEAD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TO whom it may concern, I am writing to you to inquire about a hard inquiry reported by XXXX XXXX XXXX XXXX ON XX/XX/2020 from my Identity Protection Program. I am alerted to any credit pulled by my service and this lower my current FICO score. 
I have not authorized my credit to be checked/pulled. 
Please remove this from my credit report. 
I have indicated my social number above and date of birth for reference. 

I thank you for your assistance on this matter. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently filed a complaint with you about my name isn't right on my Equifax credit report. The response from them was it was corrected. That's not true. Because it's still wrong on my XXXX XXXX 2022, credit report. Thid refusal of not correcting my name on my report is doing damage to my credit, my name and it's making difficult to obtain funding for the mortgage that I'm trying to get.
Product: Credit card

The law clearly state A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless they send the information in section 1637b which they never do and they must mail it 21 days before the payment due date. I want proof that this information was mailed or delivered 21 days before the due date. Thank you!
Product: Vehicle loan or lease

After I returned my leased car with US Bank on XX/XX/2018, I was charged {$370.00} for a missing key fob. It's for a XXXX XXXX XXXX XXXX contacted XXXX and was told that it'd cost {$230.00} to replace a key fob including programming. I then contacted US Bank to ask them to explain the discrepancy. The representative told me that's the " market pricing '' for key fob replacement but couldn't explain what exactly the market pricing was based on. It sounds to me they are making a profit of {$140.00} off that single key fob, assuming they are paying the the price that XXXX quoted me.
Product: Credit card or prepaid card

Hello Im contacting you today to ask for help with a issue with my credit card company. I received a letter from Synchrony Bank in regards to my credit account for JcPenney which I have had since XX/XX/XXXX when I opened the account in store. They gave me a XXXX credit limit which I have made my payments each month. We are now 6 months later they are claiming due to a recent review of my account they reduced my credit limit from XXXX to XXXX I currently owe XXXX which made it look like my card was almost maxed out when in fact it wasnt my next payment due is XX/XX/XXXX I just made an extra payment to lower my balance by XXXX then I received this letter yesterday XX/XX/XXXX it was dated for XX/XX/XXXX there is nothing going on with my account for this review. They lowered my limit stating based off a internal creditworthiness scoring system my 1 ) Lack of Real Estate Secured Loan information. 2 ) Balances on accounts compared to credit limits and loan accounts, 3 ) Not enough balance paid down over time on student loans, 4 ) Too many inquiries. The score they reflected of XXXX which is not my current score as of XXXX XXXX or today on any credit reporting agency my score is actually higher and all my credit card balance have been reduced, including my student loan amounts. When I spoke to the manager XXXX at XXXX she informed me the score was not ran through any of the 3 Credit agencies it was done in house. My score was not determined from a credit agency and the information is inaccurate so why was my limit reduced? I need to find out if they broke the law and violated my consumer rights. When I initially called they representative would not allow me to speak to a manager after several requests she put me on hold for over XXXX minutes then a manager comes on the line.
Product: Credit reporting or other personal consumer reports

In 2019, I sold my home. However, the mortgage company, PennyMac, inaccurately reported my home as being in pre-foreclosure on my credit report. I have reached out to them multiple times to resolve this issue, but they have informed me that they are unwilling to correct it or provide any information about it.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for reporting inaccurate and/or incomplete information in violation of the Fair Credit Reporting Act ( FCRA ). These discrepancies concern a bankruptcy record that has been reported inconsistently and inaccurately, causing harm to my credit profile. 

Identified Discrepancies 1. Reference Number : Experian lists the bankruptcy reference number as XXXX, while another credit bureau reports it as XXXX without the additional identifier. 

2. Court Identification : Experian records the court as XXXX XXXXXXXX XXXX XXXX XXXXXXXX, whereas another bureau lists it as U.S. Bankruptcy Court. 

FCRA Violations 1. Section 607 ( b ) : Requirement for Maximum Possible Accuracy Experian has failed to ensure the accuracy and consistency of the information reported, violating this section of the FCRA. 

2. Section 609 ( a ) ( 1 ) : Consumers Right to Accurate and Complete Information The discrepancies in the reference number and court identification prevent me from accessing a fully accurate and complete credit report, as guaranteed under this section. 

3. Section 623 ( a ) ( 1 ) : Obligation of Data Providers The data providers responsible for this information have not ensured its accuracy and completeness before submitting it to Experian, further compounding the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

CLEARPATH LENDING sent me a promotional offer for a refinance loan product despite the fact that there is a promotional opt -out block on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file, the item I need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove this item from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.
Product: Credit reporting

One year after I was declined for a store credit card with XXXX Bank, this company did a SECOND " hard inquiry '' on my credit report -- now a year later -- and declined me for credit again. One of the reasons I was declined was due to the number of inquiries on my credit. Now, two of the three inquiries on the bureau are from THIS COMPANY. I do not recall giving authorization to do another hard inquiry when dealing with XXXX Bank and feel this practice is deceptive and without adequate information and consent.
Product: Credit reporting or other personal consumer reports

I am writing to express concerns regarding a debt that was sent to collections, which I was only notified of via email in XXXX. Upon further investigation, I discovered that XXXXXXXX XXXX placed an account from two years ago into collections in XX/XX/XXXX, despite the fact that I transferred from the university in XXXX. 

When I contacted the financial aid office, I was informed that they had sent an email to my old XXXX account ( which I no longer have access to ) in XXXX, but they were unsure why I didnt receive a phone call or more timely notification. I was assured that someone would reach out to me with further details regarding the lack of proper notification, but unfortunately, no one has contacted me. Additionally, I was told that a case would be opened regarding this matter. 

Further, I noticed that the collection notice I received contained an incorrect mailing address, further complicating the situation. To clarify, I was never properly notified of any outstanding debt until receiving the collections email two years after the fact. 

I would appreciate your prompt attention to this issue and request clarification on the steps being taken to resolve the situation. I also seek to understand why I was not notified in a timely manner and how this error will be corrected. 

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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.