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

Problem is with Equifax only... all other removed data that has been on credit report for more than 10 years. 

Filed XXXX disputes and phone call to Equifax ... keeps coming back that information is reported correctly and to contact source XXXX XXXX... which I did and they said it is up to Equifax to removed this account that is over 13 years old and should have been removed after 10 years. I filed another dispute with Equifax and still same XXXX response ... like its automated. Even mentioned on last dispute and phone call that I was going to file a complaint. 

Need my XXXX XXXX XXXX  accounts removed off my credit with them ... over 10 years old.
Product: Credit reporting or other personal consumer reports

All student loans have been fully paid off. 

XXXX XXXX  has refused to report updated information to the Credit Bureaus. XXXX XXXX  is still reporting balances that have been paid in full.
Product: Credit reporting or other personal consumer reports

I requested information about date of service, services provided, and money owed at the time of service. The PlusFour representative did not provide me with any written information I requested. I only received a verbal date of service and an amount owed. I resolved this issue separately with my medical insurance provider ( XXXX XXXX XXXX and XXXX XXXX XXXX ) at the time who jointly paid for all of the ambulatory services I received on the date PlusFour claimed I did not. At the time I was injured badly and in dire need of medical assistance. PlusFour as a creditor seems to be taking advantage of the fact that I was physically incapacitated for the medical emergency and their failure to bill my health insurance at the time or any time thereafter is affecting my credit in a very unfair way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to repair my credit and to clear up the matters at hand, but they keep reappearing. I have disbuted the allegations on several occasions. The company keeps selling my credit files which is against the law. Some the things that were there I have already paid. But they still reappear. It does sound like to me I need to take these people to court. Also the medical bills that are there have already been paid by XXXX or should have been. Please help me clear up this matter before I have to hire an attorney.
Product: Money transfer, virtual currency, or money service

Wells Fargo contact me by mail stating there has been a class action lawsuit already closed and they decided to audit accounts. During this first audit they review my account and determined the interested has been misapplied and issued a return check. I requested records and was never provided them in any format. I cashed first check. Months later another check with same explanation arrives, now totaling over XXXX. 
I filed complaint requesting records with misapplied interest payments/original bank records be provided along with reconciliations documents and audit findings. My available records where changed showing nothing incorrect or misapplied. They denied my request claiming that per their records no such actions of mis applied interest where ever made by Wells Fargo. After that Wells Fargo sent another letter requesting for me to cash XXXX check AGAIN. They stated via during first checks mail that there was interest made by Wells Fargo holding my monies in accounts other than mine and they additionally wanted to return that amount too. I filed another complaint requesting records. I was told by Managers that per the now available records and past statements they all show changed and correct AGAIN. I filed another complaint. They altered the original transaction bank documents to appear to never misapplied interest. They committed Fraud by altering original transactions records and falsifying transaction records statements. They are refusing to provide my correct factual bank loan statements. They committed Fraud by conversion and made interest off the monies. Denied all requests for Bank records. I'm unable verify if amount provided are correct due to records being changed and withheld. Additionally there is no documentation in my account showing any issued returns or actions taken. Per my account there is no documentation of audit review making account access. Wells Fargo XXXX is even making this unviewable to representatives of the department effected and took place it self, Dealer Services. The XXXX XXXX Wells Fargo Dealer Services starting XXXX. They claimed issued stopped 2017 via mail. Unable to confirm. Bankers in branch also unable to resolve or find. Bankers in person and phone confirm records have been altered. This is pure XXXX and dishonesty of duties and obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its because my life including my social security number and credit bureaus are all under a fraud from a app called XXXX or Robinhood. My information was used by several different people to start an investment pymaird scheme just use my information for the XXXX market the Bitcoin and to sell my identification for real estate marketing. I cant look at or go into any of my information and I am stuck not knowing what to do. Last night at Saturday morning at XXXX XXXX I called the Police for them to help. This morning at XXXX XXXX I filed some more updates on the FTC.Gov to let anyone know that my life is now in danger by terrifying threats and situations. And I just sent out the same detailed information to the FBI. Now tomorrow I got call more government credit companies just to help me out to fix all this or to see if I can get my ssn changed or adjusted. This is a lot for me and I need the help very urgently.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those accounts to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report, in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. Upon reviewing my credit report, I identified two accounts that may be inaccurately reported. 

Below are the account details I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX I kindly request that you thoroughly reinvestigate the completeness and accuracy of all information associated with these accounts. If any inaccuracies are discovered, I ask that the incorrect information be removed from my credit report. In accordance with 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within XXXX days, I respectfully request that the accounts be deleted from my credit report. 

Additionally, under 15 U.S. Code 1681e ( b ), I request that you review your procedures to ensure they guarantee maximum possible accuracy in reporting these accounts. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been resolved.
Product: Student loan

I requested a {$10000.00} refund on my last loan payment. That submission was on XX/XX/2022. I have since never recieved the refund nor my balance has been updated on the loan servicer website. My loan servicer within the recent years has been transferred from XXXX  to XXXX to Aidvantage and have never been notified of any transfers. I was told from Aidvantage that my loan info would update in their system in mid XXXX so I can inquire about why its taking so long for the refund. I called around XX/XX/2022 and no one has an update for me and I have since seen no refund or movement on my refund request.
Product: Debt or credit management

I sent to JG Wentworth in XXXX a settlement letter from XXXX XXXX XXXX for half of the balance and they said on XX/XX/XXXX that they just sent a letter to them, that was not how I understood the process and I lost out on settling half the bill from {$1400.00} to {$580.00}. I also found out that they have not been in contact with other companies such as XXXX  XXXX, when I contacted them on XX/XX/XXXX, which I could settle this debt myself. I request that my account be closed, and both people I spoke with were extremely rude. 

I want to cancel my JG Wentworth account and I found out they are charging an outrageous fee on top of all this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received a credit alert from XXXX XXXX indicating the following notification verbatim ( dropping my XXXX credit report by XXXX points ) : Balance Decreased : American Credit Acceptance account was closed - Between XX/XX/2023, and XX/XX/2023, your American Credit Acceptance automotive account appears to have been closed. 

Note : Upon initially contacting the creditor to confirm that in fact, my account is open and in good standing, I was advised that I needed to resolve this with the credit reporting agency to which I replied, NO your the creditor responsible for the misreporting of my account status impairing my credit rating and then asked for a manager to which I was transferred and formally filed a complaint with them along with a request to correct the reporting as I will not get back my XXXX points once its inaccurately reported. Nobody was able to provide me with details or verify the misrepresentation, and from my personal perspective FRAUDULENTLY misreported the current status of my account impairing my credit report by XXXX points. The only thing the representative I spoke with said was she would forward my complaint to their credit resolution department for further investigation and that I could call back in a few days to discover the status of the complaint. Concurrently, they also reported the following contradicting their misreporting of the account being closed as follows : Payment History Changed ( Positive ) Nice! It looks like your payment history was updated or corrected. The more one-time payments you have the better.

My Complaint : Misreporting/misrepresentation of account status that is conflicting. While they incorrectly reported the account closed - decreasing my XXXX credit rating by XXXX points their contradicting notice of positive payment history did not increase or correct my credit score. 

Contact for American Credit Acceptance : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Hope you're doing well. I have this XXXX XXXX card that I've never used and opened on XX/XX/XXXX. 

On the credit report it says I've been late XXXX and XXXX of XXXX. 

That however, could not be true, as I've never once used the card since I've had it. 

So the reporting is inaccurate.
Product: Credit reporting or other personal consumer reports

the company is violating my rights. they have not provided validated information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a judgement on my consumer report.

there are dismissed bankruptcy judgements on my report that are inaccurately reporting.

Under 15 US Code 1681a ( 4 ) i have the right to privacy as a consumer and these judgements should not be reporting.

case # XXXX  filled on XXXX  in US Bankruptcy court and case number # XXXX filed on XX/XX/2024 in US Bankruptcy court should be deleted. 
i have made previous attempts to fix these issues directly with them and they are still violating my rights and i am entitled to {$1000.00} for every violation listed. They either pay me or delete these accounts ASAP
Product: Bank account or service

Citibank had an offer where if you opened a checking account and completed certain transactions, they were offering XXXX XXXX XXXX miles. I opened the account using the promotional code, and completed all of the terms back in XXXX, but they did not give me the miles. I have now contacted citibank 8 times regarding this issue. They have confirmed, multiple times, that my account had the promotion in it at opening, and that I met the terms of the offer, and that I was entitiled to the miles. They have given me a case number ( XXXX ), and have told me every time I call in that it would be resolved in two business days. Its been MONTHS and they still do not resolve the issue and give me the miles I earned. This is bait and switch, and they need to be held accountable. I ca n't close the account because the terms say you have to keep the account open to receive the miles, but they are charging me {$30.00} a month to keep the account open. This is not fair! I did everything the offer specified to earn the miles, and the bank has admitted over and over that I earned them and they owed me them, but they have not given them.
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 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX Balance : {$21000.00}
Product: Mortgage

I did an owner finance with XXXX and XXXX XXXX I was told by Trustmark National Bank to only pay them my mortgage as XXXX XXXX are not to be paid any longer. The XXXX 's and Trustmark are refusing to provide an audit of my payments and payoff of the mortgage. I have provided the contact information of both below. I estimate my payoff to be XXXX EMAIL for XXXX XXXX  XXXX XXXX Cell : XXXX  XXXX XXXX Vice President Trustmark National Bank XXXX XXXX XXXX XXXX, Texas XXXX P : XXXX F : XXXX E : XXXX NMLS # XXXX
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX 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, credit repair services, or other personal consumer reports

Noticed and tried to fix problem of " Account Review Inquiries '' at TransUnion from the following sources that I do not recognize : XXXX XXXX XXXX requested on XX/XX/2019, XXXX XXXX XXXX  requested on XX/XX/2019 and XXXX XXXX XXXX  requested on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two types of discrepancies in my credit file that has led me to believe that I have been a victim of fraud or my information is being crossed with someone else. First of all, there are two bankruptcies appearing on my report and I have never filed bankruptcy. Secondly, there are some accounts that do not belong to me and they are derogatory. I have tried to resolve this issue with the credit bureaus but it has not worked. I have attempted to pull the bankruptcy file from the courthouse for review but have not been able to retrieve any documents. I have also obtain on two separate occasions police reports to prove my case. The case numbers of those reports are listed within the fraud affidavit that I included in my disputes. So far, nothing seems to be working for me when it comes to clearing these errors off my report. I would like to have these items, which I will attach, deleted off my credit report in accordance with FCRA act 605b.
Product: Payday loan, title loan, or personal loan

i currently have 2 loans with XXXX 's XXXX XXXX -- i have 2 payments due on theXX/XX/XXXXof every month. I have been current and on time with them until last month. I have paid them every single month, last month i was late and this month i am late on ( 1 ) one payment. they call my house 3 times a day, but immediately after calling my house phone they are calling my cell phone 3 times ( total of 6 ) onXX/XX/XXXX they called my house 4 times i have told several of their reps that i can not pay until theXX/XX/XXXX, and that i would call them with a payment. they then tell me NO I have to give them a form of payment TODAY. i explained to them that i did not want to give them a form of payment and that i would CALL MY PAYMENT IN ON THEXX/XX/XXXX. and they can stop calling me. I gave my credit card info to one of their representative over the phone on wednesdayXX/XX/XXXXand asked they stop calling and they need to wait untilXX/XX/XXXX to withdrawl the {$120.00} from my account. when i pay this on theXX/XX/XXXX i am not even a month late!! only 2 weeks, but they call 3 times a day and on theXX/XX/XXXX after i had given my credit card and asked not to keep calling i still recieved and spoke with, at least 6 or more people from Conn ' ; s telling them all the same thing that i gave my card information and i can not pay it until theXX/XX/XXXX 
they keep saying that i HAVE TO PAY TODAY OR GIVE THEM A FORM OF PAYMENT. which i already did, i told the lady, when i gave my cc information that i wasnt sure whicvh card i was going to pay with and why coulldnt i call on the XX/XX/XXXX... .she would not stop the phone calls until i gave it to her ... so i did ... .if she wrote it down wrong then i am sorry ... i asked them repeatedly to STOP CALLING MY HOUSE AND MY CELL -- its not like i am a month late ... .it starts the day after it is due ... .i have had 2 late payments with them as i am loooking for a job. 
here are the dates and times ; they have called my house and cell HOUSE PHONEXX/XX/XXXXXXXX pmXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX THIS IS TODAY CELL PHONE FROM XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX THIS IS NOT NECESSARY! After being told i CAN NOT MAKE A PAYMENT UNTIL THE XX/XX/XXXX ( i am only few days -- it will be 2 weeks late -- but REALLY??? 

i will send ( which i thought i had already ) them another letter to NOT CALL MY HOME OR MY CELL ) i am not like 2 months, not 2 weeks late ... there is no reason for the phone calls. when i repeatadly told them i can not pay until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHMENT FOR DOCUMENTS I WOULD LIKE THE ADDRESS THAT'S REPORTING TO MY CREDIT TO BE DELETED, THE ADRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PLEASE DELETE THE XXXX ACCOUNTS REPORTING ON MY CREDIT -XXXX  ( AUTO LOAN ) XXXX -XXXX ( PERSONAL LOAN ) XXXX