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

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and Mechanic Bank Auto to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XXXX/XXXX/2021
Product: Debt collection

I don't recall having a contractual relationship with this collection company AMSHER COLLECTION SERVICES , INC.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Student loan

I have a loan on my credit report and one that they keep trying to charge me for when I paid off all my loans in XXXX of XXXX When I took these I asked them if these are all the loans on mine and my co-signers account and they confirmed it was. Now currently they are saying I have one loan still on my account. But it doesnt appear on my co-signers account and at the time I was an unemployed college student with a low credit I would have never been approved for a XXXX dollar loan with out the co-signer. They keep harassing me and my co-signer. We refinance all the loans in XXXX of XXXX back when interest rates were low. But now with them high its just unacceptable. Ive tried to resolve this with the company but they are hostile and hard to work with
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/2020 I received a 30 day late payment & in XXXX a 60 day late payment on my credit report from Self Financial Inc. in regard to a CD account I had with them.

I spoke to a rep named XXXX who let me know that my primary card payment failed in XXXX, the computer tried my secondary payment method which went thru successfully but they had turned auto-pay off. Which then resulted in the XXXX & 60 day late payment on my report. 

I spoke to the dispute department @ Self Inc. to see what I can do to remove the late payment reporting, in an email they responded there was nothing they can do about it because they're job to report accurate information.
Product: Credit card or prepaid card

Opened credit card account in XXXX of XXXX. My account was closed in XXXX of that following year. it's showing negatively on my credit report, which is affecting my ability to be approved for certain cards. I didn't have a lot of experience with credit cards at the time, I'm more responsible than I was a year and a half ago.
Product: Debt collection

Repeated calls to family that I will be arrested in 24 hours. Threatening my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is account from possible finance reporting on my Experian report. This account has been paid in full and delete from all other bureaus as agreed by company. Ive called out and spoke to reps about my concern with the fact there reporting me charge off and this account was taken care off. He informed me it would be corrected. Ive received my recent report and guess what? Its still showing delinquency. Not to mention about of my rights according to FCRA INFO MUST REPORT WITH ACCURACY FAILURE TO DO SO MANDATES DELETION Please look into this for me
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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 vears.

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. XXXX 's accounts XXXX charge of
Product: Credit reporting

XXXX account # XXXXdoes not belong to me. I have no knowledge about thisaccount. I have requested a validation of alledged debtsXXXX times over the US mail for the last XXXX monthsdirectly to collector as well as I 've placed several disputes with Experian credit bureau. Never been responded by both oof them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To. Ally 's response to my first complaint and the fact i am in the middle of a mortgage loan. I will pursue all rights of the federal credit report act and file suit if this interfers with my mortgage. This can add another law suit to all the current suits via public records Ally has been getting.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX  XXXX XXXX regarding an inaccurate item on my credit report. On XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to the address listed on my credit report for XXXX  XXXX XXXX at XXXX XXXX XXXX XXXX, AR XXXX. However, the letter was returned to me as undeliverable. 

Enclosed with this complaint, you will find a copy of the original dispute letter I sent to XXXX  XXXX XXXX, along with the returned mail envelope clearly indicating that the letter was undeliverable. This evidence demonstrates that XXXX  XXXX XXXX has failed to maintain accurate contact information, hindering my ability to dispute the inaccurate item on my credit report. 

I am demanding that XXXX  XXXX XXXX take immediate action to contact the credit reporting agencies and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), creditors are required to furnish accurate information to credit reporting agencies and to investigate disputed items. 

Furthermore, I assert that this account is unverifiable due to XXXX  XXXX XXXX 's inability to maintain accurate contact information. It is imperative that XXXX  XXXX XXXX take corrective action to rectify this situation promptly. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX  XXXX XXXX complies with federal regulations regarding accurate reporting of consumer credit information.
Product: Credit card or prepaid card

Bank of America says they issued me a credit card, however I never received a card from them nor have I ever even applied to receive a card from there or signed any type of documentation or contract.
Product: Debt collection

I disputed A collection with Franklin Collection company through XXXX on XX/XX/XXXX that the debt was paid in full and should be removed from my credit because it is false reporting. It has been almost two months now and they have not responded nor fixed the error. They are saying I owe {$1000.00} which is false. It has impacted my score and I would Like it fixed and removed from my credit for good. My dispute number is XXXX.
Product: Debt collection

On Thursday, XX/XX/XXXX at approximately XXXXXX/XX/XXXX I made an initial call, in earnest , to Sprechman & Fisher regarding Case No. XXXX to begin discussion for a payment arrangement ... 

I spoke to a collector, " Ms. XXXX '', who began the call stating aggressively stating, " BY FEDERAL LAW, THIS IS AN ATTEMPT TO COLLECT A DEBT! '' without providing the FULL Mini-Miranda. Ms. XXXX repeated the statement again stating, " This is an attempt to collect a debt! " ... 

In addition, during the conversation, I expressed I wanted to discuss payment arrangements and " Ms. XXXX '' kept talking over me very loudly and extremely aggressively. I shared with " Ms. XXXX '' that the tone of her voice was extremely aggressive/threatening of which I found to be an attempt to control the call via intimidation especially by beginning the incoming call response with " BY FEDERAL LAW.. '' ... 

Furthermore, " Ms. XXXX '' advised and attempted to collect an amount of {$19000.00} instead of the Case No XXXX amount of {$7900.00}. I offered a balance in full payment plan of {$50.00} down for XX/XX/XXXX and $ XXXXmonth beginning XX/XX/XXXX towards the Case No XXXX amount of {$7900.00} which was not accepted. 

1. Debt collectors are required to give the FULL Mini-Miranda in their initial communication with you. 
2. If a third-party debt collection agency or collection attorney contacts you and doesn't give the disclosure, it has violated the Fair Debt Collection Practices Act. 
3. Even if you initiate contact with a third-party debt collector, they are still required to read you the Mini-Miranda.

4. " The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. ''
Product: Credit reporting or other personal consumer reports

Been paying for identity theft insurance since XX/XX/XXXX at XXXX per month. I have received XXXX reply after months of no communication or activity. XXXX left without professional guidance after paying into this false perception of the protection that is being offered by Experian XXXX XXXX owned by XXXX trademark. Both companies are not helping XXXX American customers nor is it helping XXXX Indians which is myself. All I have ever gotten was voice mails from XXXX or XXXX actors to appear to offer identity theft victim assistance and the person name was Aerial. XX/XX/XXXX. This doesnt help anyone who is actually suffering from identity theft and has been robbed of their identity to sustain life. All things considered related to your independence is a game to Experian, XXXX and XXXX as well. I will consult With the XXXX XXXX about this be a little while ago I believe that I would be receiving some sort of relief if some kind but nothing but humiliation and a voicemail after XXXX on a Friday go never receive a call, email or assistance of any sort. Except a message about the next subscription XXXX XXXX!! This is bogus not to mention Experian has ignored the request to cancel a number perpetrating my identity XXXX. There is renters insurance on my profile and addresses I dont have any affiliation with. I do not have a pet since XXXX and I do not have a renters insurance policy of any kind. If I had ever had XXXX to be exact. So Experian is playing a big part in this fraud, helping to deceive for monthly subscribers and subscriptions! Stop deceitful Experian by making it a crime to sell insurance for profit under a false advertising scheme. I have XXXX data breaches and I have never filed a claim against anyone, any company nor any other entity for insurance identity fraud or related fraud. This is the first time Ive ever tried to use the benefits I have been paying for all this time. If there was any fraud claimed to have been, it was not by me. I am trying to make sense out of the situation that I am overwhelmed with considering all the money I have spent over the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

an individual with my same name, social security number different by one digit and a year of birth way off than mine ( which I've also tried to dispute & nothing had happened ) This person has opened accounts at XXXX XXXX with an unpaid balance of {$12.00} opened XX/XX/XXXX that has been charged off, I called XXXX XXXX on XX/XX/XXXX but no one to help me, i then filed a dispute with the credit bureaus, one said the account is accurate and the other 2 bureaus dispute are still pending. Please I need your help I am trying to re-finance my current mortgage loan and this is affecting me from getting a much lower interest rate than what I currently have, Please help me, thank you
Product: Debt collection

i never had any such account with XXXX XXXX and when i was notified i called to let them pick up water items dropped at my door ... please close this account as fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXX  XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint against the above-mentioned furnisher of this account and the credit bureaus for reporting inaccurate information as it relates to this account. On XX/XX/XXXX of XXXX, I received the companys response. The company stated that an investigation was completed, and everything was verified as accurate in my credit file. 

Furthermore, I purchased my credit report for XX/XX/XXXX, and recognized that XXXX XXXX and the credit bureaus continue to report discrepancies, after alleging to have conducted a thorough investigation of this account. There are different dates that the account opened : XX/XX/XXXX and XX/XX/XXXX. My credit report reflects that my monthly payments were {$0.00}. The dates that the account was last active are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The comments on my credit report reflect repossession and involuntary repossession. Also, my credit report reflects two different dates that the account last reported : XX/XX/XXXX and XX/XX/XXXX. 

Under the FCRA, this violates 15 U.S. Code 1681, in which I may be able to receive up to {$1000.00} for punitive damages for each violation. 

Overall, I am requesting that your corporation remove this account, or I will pursue civil litigation for damages and deceptive practices.
Product: Credit reporting or other personal consumer reports

XXXX continues to report a collection to my credit each month. XXXX wrongfully billed us for full monthly service on our condo in XXXX. Each year we go back home and place the service on seasonal, which we did, however XXXX continued to billed us the full monthly rate. We explained to them that the charge was incorrect and they insisted on charging the full rate. 

After a period of time XXXX placed a derogatory on my credit report. I was infuriated not so much about the wrongful money charges, but the principal of them charging me something that is not mine and crediting trouble on my credit reporting. 

I then hired a company to repair this error. After approximately 9 months the account in question was resolved and the bureaus Transunion, XXXX and XXXX all deleted it from my credit report. Yet it is now showing up re-reporting under a different name in error. 

I have tried to rectify this with XXXX and the bureaus and they have been unwilling to investigate or correct the error. This is very upsetting and should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX and Experian received a package from XXXX XXXX consisting of a demand letter, a notarized affidavit, and exhibits attached ( see attached files ). XXXX XXXX Experian continues to report inaccurate information on the consumers consumer report without disclosing the method of verification used to verify the inaccurate accounts. XXXX and Experian is in violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ).
Product: Credit reporting or other personal consumer reports

I have received the 5 emails from the so-called Experian 'credit report ' company. 

From XXXX XX/XX/23 : credit score information XX/XX/23 : credit card offer XX/XX/23 : 4 kinds of saving accounts offer From XXXX and XXXX Dispute result information. However, both of them added the year, which they deleted without asking and approval of me about one week ago. Now, there is the section of birth year. Previously, I asked why there are two similar accounts of XXXX XXXX XXXX. These two have some problems on numbers. I will contact with XXXX  XXXX XXXX directly.
Product: Debt collection

I had an account with XXXX XXXX for 2 data lines. I had canceled the lines due to lack of use. XXXX XXXX agreed and credited back my last bill due to no usage. They then billed me for 2 more months after cancelation. 

They have since turned it over to XXXX a collection agency.
Product: Debt collection

I got internet from XXXX XXXX XXXX with a XXXX package which was under contract. I wasent satisfied with the service, nevertheless i continued with it because of the contract and when the contract expired i canceled the service. The agent who did the cancelation didnt give me any objection nor said anything about the contract, which seemed normal to me, since the contract was expired. After some weeks went by i get a letter saying i was being billed for the remaining months that i didnt continue with the service. I spoke with an XXXX XXXX XXXX agent and explained that i specificaly waited for the date to cancel my service because i knew when the contract was set to expire. The agent then asked me if i had called and added any other channels or anything added to the internet /XXXX package. I awnsered, '' no ''. After a few minutes of investigating the agent said she wasent able to see why the contract extended and also explained that under normal circumstances those extencions happen when something is added. In my case, nothing was added but explained that i had removed certain channels that i didnt need. She then explained that, that was not a cause for the contract to extend and she would make a note and have that rectified. I didnt get contacted by XXXX XXXX XXXX after that. A few months after i get a letter from collections and then calls from that same collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclay 's Bank of Delaware accessed my credit report twice in the same day in response to a legitimate credit line increase request. I already had 1 inquiry in the previous 2 years which was legitimate. Barclay 's negligent and tortious actions have resulted in a total of 3 inquiries on my report which has harmed my credit score as the range of acceptable inquiries is 1-2 for " good ''. Their actions have pushed me into the 3-5 range which is " average ''. I have emailed their customer service inbox with a screenshot of the error and their response was to log into my online account and submit in inquiry in the message center. I have done so twice and only received canned responses which do not address my complaint. This is not the first time this institution has ignored or dismissed my valid disputes. In 2015, my account number was compromised and there were fraudulent charges on my card which Barclay informed me I had to pay for until they completed their investigation at which point they " may '' refund the charges. They only took the fraudulent charges off after I went to their facebook page and posted the message exchange.
Product: Credit card or prepaid card

On Saturday, XXXX XXXX, 2019, at XXXX XXXX I applied to Sams club- Synchrony Bank for a credit card to take advantage of a XXXX credit on a purchase for applying. 
This morning XXXX-2019 I received a denial letter-email with reason for denial ( Existing account with our credit program. I called and verified I have no Sams club master card. 

And in fact I have a Lowes card a paypal credit account and a amazon account all in great standing. 
My problem is I have a hard pull for what I was told a mistake on their part and was told to submit another application and get another hard pull. That is not acceptable not to mention I am going to be billed full amount for monitor I bought. 
I have a excellent credit score and this is just wrong on so many levels
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am not familiar with them, and the company acted without my permission.
Product: Mortgage

Dear, Sir/Madam, I did not know to whom I should address my concerns to so if you would be so kindly as to forward it to the appropriate area I would be greatly appreciated.
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My name is XXXX XXXX XXXX I have had nothing but misery since you have become my mortgage holder. Your paper work has my mortgage start date as XX/XX/XXXX for the amount of XXXX however this mortgage was started in XX/XX/XXXX and original amount is for XXXX please see the attach documents. I am also attaching the copy of the document you sent title wellfargo 1,2,3. Please note the signature on the bottom of those document are not mine or my husband. They seem to be paste and cut.
Product: Checking or savings account

{$4800.00} was placed on hold and account closed on XX/XX/year>
Product: Mortgage

We applied for a construction loan in XX/XX/XXXX through BB & T/Truist of XXXX XXXX XXXX. Disposition of the loan was in XX/XX/XXXX. 

During the mortgage application process, BB & T/Truist suggested I comply with their request which would have had me giving them fraudulent information. The issue began with 2 years permanent residence history which I provided. BB & T insisted I was lying and even told me I was lying in email. They insisted on pulling new credit reports within weeks of each other to find this supposed residence which was a vacation rental. I requested several times in several manners and even escalated to a manager an explanation of why they needed to pull our credit twice in the same month. I never received a valid answer. 
The bank insisted I explain an address on my credit report which I did but they wanted to hear none of it. They went as far to tell me I was not in my house in XXXX  up to and through the closing of the sale. I offered to the bank no less than 10 evidentiary documents showing we were residents of and I was present at our house up through the day of close. The bank insisted I explain a vacation rental as a permanent residence which would have been fraud. The address has been subsequently removed from my credit reports but the Bank wanted to hear none of it. The bank threatened to decline our loan application unless we fabricate documentation about an address. Ultimately the loan was declined as I refused to fabricate/falsify information on our loan application. At one point during all of this the bank even asked me to explain why BB & T had an inquiry on my credit. So we are out significant money for the application not to mention the rate changes from lock to now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> SS : XXXX XXXX XXXX My Only name is XXXX XXXX XXXX Only address is XXXX XXXX XXXX XXXX, VA XXXX My Only Employer is XXXX There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. 

Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. 

incorrect historical data listed below Name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX, VA XXXX Employer : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX