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

After having impeccable credit history for 9 years with Barclay, I received a late payment notification from credit bureau. I had no idea a financial obligation was owed on said account. Barclay did not reach out via phone, email, or regular mail. Upon further investigation it was due to short " staffing and covid ''. Barclay advised as a " curtesy '' they would remove the late payment. Which they removed from 2 of 3 agencies ( XXXX was never updated. Upon notification of the late payment, I contacted immediately and made payment ( min payment as I recall $ XXXX ). They are breaking multiple laws affected by congress with covid. I am a small business owner and had extreme financial hardship. That said I still would have paid the bill before the late period had I KNOWN it was due. I have disputed the late payment ( 1 in 9 plus years ) and they " verified '' with XXXX instead of holding their end of the agreement and removing. ( I should have never had to dispute in the first place ). Further fraud and or negligence will be reported to XXXX  and Attorney General as need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested that the following accounts be blocked and removed from my credit file due to the fact that they are not mines due to my identity being compromised. I've also requested a Method of Verification of your previous investigation of this matter. Either I'm provided with this request or you and your companies shall removed these accounts immediately. 

XXXX. XXXX XXXX XXXX {$700.00} XXXX. XXXX XXXXXXXX XXXX  {$120.00} XXXX. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX unknown XXXX. Missouri Department of Chld Support
Product: Credit reporting

I have put in disputes through the credit bureau, as well as, sent validation letters to XXXX. This is a false debt that the company is trying to collect on. I did not recieve any response from XXXX in response to the validate or delete letter I have sent. I have also have not received sufficient evidence from the credit bureau that they indeed had the creditor themselves validate or delete the false account.
Product: Debt collection

I have had my credit report damaged due to XXXX XXXX XXXX   mismanagement of this account that includes incorrect charges. Every time I call to deal with this problem, I am transferred around several times and then hung up on every time. I was then given a number that appears to be a SCAM number according to reports on the internet. I gave them my personal information and then hung up on. 

I believe this was a phishing number but I received this number from a XXXX XXXX representative. I would like to report this for further investigation. The number was XXXX. Please investigate!!! I am very concerned about the compromise of my personal information. 

Also, please reverse the late payment showing on my credit report because I did not ignore my account. I explained the information and gave my requests to the XXXX XXXX CSRs and they took my payments but my requests for a forbearance/deferment were repeatedly ignored. My requests to delete this debt from credit report were likewise ignored and no investigation was done. 

I would like any damage to my credit report to be corrected and an investigation into where my personal information went to as a result of XXXX XXXX. I also request all information regarding this alleged charge. 

Thank you.
Product: Debt collection

Penn Credit Corporation at phone number XXXX has called me 44 times from the period XXXX/XXXX/XXXX thru today 's date of XXXX/XXXX/XXXX. I only started tracking the calls on XXXX XXXX when I realized there was a problem. When I answer the calls, a machine states " if you are this person, press 1 ; if you are not this person, press 2 ''. Nothing else. They do n't even mention the name of the person. I have not pressed either 1 or 2 as I am afraid it may be a spammer. I have researched this company and it is apparent there are many consumers and individuals also dealing with this company and harassing, repeated calls. I have no known outstanding debt, a great credit score, and have received no notices via mail or overnight delivery regarding outstanding bills from Penn Credit or any other company for that matter. On some days, I receive calls from Penn Credit Corp. two or three times. No messages are left. I am being harassed by this company and I want it to stop. Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting outdated information in my credit file. XXXX XXXX XXXX XXXX credit card reported XX/XX/XXXX but TransUnion is displaying information from XX/XX/XXXX. It is almost XX/XX/XXXX and TransUnion is still displaying information from XX/XX/XXXX on my credit file. My real XXXX XXXX XXXX  XXXX credit card balance is {$240.00} with a limit of {$1700.00}, My real XXXX XXXX XXXX  credit card utilization is 14 % and my overall credit utilization is 22 %! TransUnion is displaying false and outdated information in my credit file to make me look less credit worthy than I am. TransUnion is doing this out of spite because I am suing them for breaking FCRA guidelines. I uploaded the true numbers from my XXXX  report!
Product: Debt or credit management

Capital one money freeze can't access no monies right now due to the national security system outage I want all money paid in return 's. For the waiting period of outage. I need this to be paid at 70 % interest at XXXX a day. I am one of the origins of these lands.
Product: Credit reporting or other personal consumer reports

I would like to notify the credit bureaus once more that I was the victim of identity theft. Additionally, I would like these items stemming from the claimed identity theft to be removed off my credit file. Credit Bureaus are obligated to remove any items specified in Identity Theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). 
Here is the list of items I wanted to remove once more! 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$1500.00} XXXX XXXX : {$5300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$72.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} NATIONAL XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigate consumer report '' means a consumer report report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on the credit report. 

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is in accurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 181 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: Debt collection

Have received repeated texts on my cell phone from Spring Oaks Capital , LLC stating that an Indigo XXXX originated by XXXX XXXX  is now owned by them. They offer to accept a reduced sum of {$580.00} to resolve the account. " Offer '' codes and links are provided, however the texts are always unaddressed. The most recent text was on XX/XX/2024 at XXXX XXXX  It was reported to my phone operator. At least XXXX other messages have been received, reported and deleted in recent weeks. 

I have never had, or even heard of, such a credit card or bank. This debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Accounts ; XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$490.00} ; XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$98.00} ; XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$290000.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$770.00}.
Product: Consumer Loan

I purchased a XXXX mustang from a used car dealership in XX/XX/XXXX. The car had some issues, so I traded it in a few months later for a XXXX mustang. The dealership stated we could do an even trade of the value of the new vehicle to be the same as what I owed on the old one. So I took out a loan on the new vehicle believing the dealership was going to pay off the old one. A few months passed, I had to go XXXX, and I eventually found out that the dealership went out of business, did n't declare bankruptcy, did n't list me as a payee, and basically left me high and dry with twice the amount of debt I was intended to have.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 I was contacted by XXXX XXXX XXXX of XXXX Police Department that a family member was pulled over during a traffic stop and proceeded to provide them with my social security number to elude them ; she impersonated me and tried to have her XXXX charges under my identity. There is an open case of XXXX  and other XXXX  and XXXX  citations. My family member stole a phone that had many of my credit card apps, orders were placed through the apps for store pick up in stores where no proof of identity was needed to pick up any brought merchandise. My identity has been taken from me both XXXX  and financially ; I have been unable to resolve this issue, unsuccessful with making corrections to these errors on my credit report or even obtaining a new copy of Police report # XXXX when my name is listed as the victim. All three credit Bureaus have yet to protect my credit where they are reporting inaccurate information of debt that has not been made by me. Attached is the police report I was provided with, My Federal Trade Commission Identity report where more details are enclosed of accounts and balances.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I mailed a dispute letter to Experian asking to delete an inaccurate address. They responded on XX/XX/XXXX with an email saying " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' *I 've attached a copy of this email. 

So, I mailed another dispute request in XX/XX/XXXX. Same result! I received another email claiming I didn't mail them them the dispute letter! *I 've attached a copy of this email.
Product: Debt collection

Im being harassed and abused pursuant to 15 USC 1692 ( e )!
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The following accounts that are listed on my credit report are fraudulent. I have tried to correct this issue multiple times with no success with the credit bureau. Collection account, XXXX XXXX XXXX, $XXXX, opened on XX/XX/2019.  Contact Information is XXXX XXXX XXXX XXXX MS  XXXX.
Product: Student loan

Navient has reported severely late payments on my student loan accounts ranging from 60-180 days past due. During those reported late payment periods, the account was granted a forbearance. No payments are due while loans are in forbeance, therefor no payments should be reported as late. My loan account was consolidated and moved to a different company and is no longer open with Navient. Although this account is no longer open, these late payments are still being reflected on my credit repot, and are preventing me from obtaining a first time home buyer loan. I sent requests directly to Navient asking for the late payments to be removed, and recieved a denial. I then file disputes with all XXXX credit reporting agencies. All of these disputes came back with no changes being made to my credit.
Product: Credit reporting or other personal consumer reports

The credit bureaus are publishing invalid information according to FCRA 1681 i, a, b, c, j. I am a consumer and have a right to fair reporting. If you review my credit report, you will see inaccuracies across all 3 bureaus. Each bureau is reporting inaccurate information. XXXX XXXX XXXX  is reporting a " Voluntary surrender. '' This is invalid information and legally MUST be removed from my credit report. XXXX is a fraudulent account and MUST be removed from my credit bureaus. XXXX XXXX XXXXs a fraudulent account that is showing many inconsistencies and MUST be removed. XXXX XXXX XXXX is a fraudulent account must be removed. XXXX is frauduluent must be removed. XXXX XXXX XXXX XXXX XXXX is showing many inconsistencies and MUST be removed from my credit report it is in violation of FCRA rules. XXXX XXXX XXXX XXXX is also publishing false information and must be removed.
Product: Debt collection

Please act swiftly to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing me significant concern.
Product: Payday loan, title loan, or personal loan

I saw Upstart on the XXXX XXXX website this company is completely unprofessional from start to finish I applied for a {$30000.00} loan I was preapproved and then was sent a list of to do documents two of them are that last two years of income. Now understand several years ago my CPA said I could take some of my income and move it to an XXXX XXXX and have a lower tax basis since Im XXXX XXXX  to pay less SS tax, from the start it was a mess first I had applied and waited day after day from almost 5 days and hadn't heard anything i called and went over my issue and the person I talked to said he would talk to a supervisor and when he came back he said my income didn't match and I told him again my situation where you had to add the 1040 and the XXXX XXXX to come up with my income I got some nonsense about they went from " line 31 '' which said between the two years tax returns I only had an average of {$150000.00} trying to go over they had two 1099 that clearly shows my income to be almost {$290000.00} I have no office expense and while yes I have to pay income tax from that my net is about {$200000.00} but anyway I finally told him I now have SS and how can that be shown. Well he said first the loan was declined but he said if I reapplied just show the SS with some bank statements that show this income I reapplied and then called the next day got some rude women who didn't seem to know up from down and I explained I sent in the tax returns again along with the bank statement which now gave me about {$220000.00} in come and she said she had to do some research and came back after a long delay and said well you incomes don't match and your declined nothing about he " line XXXX '' nonsense. This company jacked me around for over a week for nothing, and why do I say this is nonsense and completely false adverstising with some smoke and mirror double talk? I applied for a long with XXXX XXXX and from start to finish I had {$30000.00} deposited into my checking account in two days
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : Original Creditor : 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

Violation of Consumer Rights under 15 U.S. Code 1681c-2 Request for Immediate Resolution I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter. 
Details of the affected account : ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX BALANCE {$720.00} I have previously submitted a detailed report of identity theft, along with supporting documentation. Despite this, I have observed that the information related to the fraudulent account is still being reported on my credit file. 
Section 1681c-2 of the Fair Credit Reporting Act explicitly outlines the rights of consumers in cases of identity theft, emphasizing the obligation of credit reporting agencies to block the reporting of information resulting from identity theft. It is my understanding that credit reporting agencies are required to promptly block the reporting of inaccurate information resulting from identity theft. 
I am deeply concerned that the continued reporting of this fraudulent account is not only damaging my credit standing but also infringing upon my rights as a consumer. I am seeking immediate action to rectify this situation and bring my credit report into compliance with the provisions of the law. 
I kindly request that XXXX, XXXX and TransUnion conduct a thorough investigation into this matter and take immediate steps to block the reporting of the fraudulent account on my credit report. 
I trust that you will prioritize this matter and work diligently to rectify the violation of my consumer rights. 
Thank you for your prompt attention to this serious issue. 
Sincerely, XXXX  XXXX
Product: Checking or savings account

Today I was told when I attempted to make a deposit that Chase had decided to close my account and no longer do business with me. I had written {$7000.00} worth of bills/checks against this account. Today they told me they closed my account on XXXX. No written notification was given and me and they tell me they will not reimburse me for bad check fees and charges that I will incur because of their action. I as you know have been fighting them for XXXX XXXX years over mortgage modifications and the fact that they illegally foreclosed on me in XXXX. No one helps me at Chase. They deny they have done me wrong and it just continues. Now they are do to foreclose on my property after not even posting the foreclosure notice on the house or notifying me in writing. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just opened a XXXX XXXX and noticed Derogatory marks from WAKEFIELD AND ASSOCIATES one on XX/XX/2018 saying I owe them {$1300.00} and another on XX/XX/2018 saying I owe them {$880.00}. I called the company explained to them it was fraud they said they were going to look into it within 30 days should be removed. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
Product: Credit reporting or other personal consumer reports

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed on my credit report XXXX XXXX XXXX XXXX Balance {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX  BALANCED {$820.00} XXXX XXXX XXXX XXXX {$0.00}