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

The credit inquiries on my credit report are not mine, inaccurate information is being reported on my credit report and XXXX, XXXX and Equifax have all neglected and refused to remove false information being reported under my name. Someone else whom I am unaware of has used my information without my permission and knowledge. I have also contacted XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX directly as advised by the credit bureau and also the companies themselves have made it impossible to get the fraudulent information removed from my credit report.
Product: Vehicle loan or lease

On XX/XX/XXXX the loan company took out 2 car payments The second one was done without my authorization. When I called them, they said they would issue credit immediately, they did not. Called the next 2 days and still no credit. I called my bank and they credited my account and then debited back car company. Within 2 weeks, the car company credited my account and my bank credited them back. Every day since XXXX this company has called everyday or emailed they want their payment back. I explained my bank did give them it back. They called stating my loan was in default and I have refused to contact them. I talked to XXXX, XXXX, and XXXX numberous times and sent the documents they requested. Bank statements along with a letter from the bank stating they were refunded. Today, XXXX calls and says I am past due on my payments. I am not they are due on XXXX of each month. In XXXX, they tried taking an extra payment out of my bank account at the end of XXXX I emailed them stating this was done illegally for the second time. They continue to call and harass me and they have their money back from the bank. I told them not to call me during work times, and they continue to call and email. I need help
Product: Debt collection

The Doctor has not submitted the claim to the insurance company. The doctor 's billing department admitted that they never contacted me in writing, nor by phone, nor by email that their was a doctor 's bill pending. The doctor 's billing department has informed me that they erred in submitting the payment to collection and has requested the collection agency to removed from it from the Credit Bureau over 30 days ago. The Collection has failed to comply and removed this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All accounts above have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer report and informed your agency XXXX XXXX, XXXX several disputed items. However, despite this notification, the issue remains unresolved in a manner that is fair and equitable to me, as required by the Fair Credit Reporting Act ( FCRA ). Your agency has clearly refused to follow the law and honor my previous request. Therefore, I am requesting a reinvestigation and demanding that your agency explain your METHOD OF VERIFICATION in verifying these items, pursuant to 15 USC 1681i ( 7 ). 

I have suffered emotional distress as a direct result of this matter, and I demand that this be resolved equitably, which has yet to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently got a letter today XX/XX/XXXX, from XXXX XXXX  XXXX saying I wasn't approve for a card that would me move forward in my business. on the letter It said " current or past delinquency with one or more of your creditors '' and then I checked XXXX XXXX I wasn't able to recognize few of the creditors that was reported that was on the year of XXXX. 
if possible I would appreciate your help if I could get this resolve so I can continue building my future!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax response to my complaint XXXX was non-responsive. Since I have been significantly damaged by their actions, score drop of 86 pts in 1 month after successfully refinancing my home for {$570000.00}. I have filed a small claims action in XXXX XXXX XXXX seeking {$10000.00} in damages and/or referral to NY State Attorney General against Equifax/XXXX  XXXX XXXX. I will be filing a complaint with the Connecticut State Attorney General shortly as well. 

Equifax/XXXX  must be ordered divulge the exact statistical method, factors, parameter estimates, confidence intervals, false negative/positive rates, point estimate errors and other such data as to ascertain the efficacy of their credit scoring business and the harm it can inflict on individuals like me. 

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

Hello I have been with this mortgage company for 12 years and I pay them every month, I disputed how they were reporting my information they have been effecting my credit score for years so I sent a letter to the bureaus to pay attention to my report and they still are neglecting to correct their mistakes. I will list mistakes now 1. High Balance is missing 2. Payment history showing 120 days late for over a year how is this mathematically possible? Does this sound right? The Limit is also missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

No one is handling my dispute request ... I need for Experian to respond to my requests today. I want these negative items deleted now. 

XXXX XXXX UNVERIFIED ACCOUNT XX/XX/XXXX- XXXX UNVERIFIED ACCOUNT XX/XX/XXXXXXXX NOT MY ACCOUNT XX/XX/XXXXXXXX UNVERIFIED ACCOUNT XX/XX/XXXXXXXX MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX and WAYPOINT ( Original Creditor : 11 XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX and WAYPOINT ( Original Creditor : 11 XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd time trying to fix the problem with Equifax and they still haven't fixed the problem, They even sent me a letter with the inquiries that they removed and when I checked my report, they are still there. I have called them and they said they will not removed them. This company is a waste of time and very unprofessional. I would not recommend this credit bureau to anyone especially if you are trying to get a membership with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Have a debt with Transworld System Inc. that i had paid off. They stated that due to the item being a medical collection that it would be removed from my credit after being paid in full! While they did place a {$0.00} balance on the report they did not delete as promised!
Product: Debt collection

On XX/XX/XXXX my husband was rushed into XXXX. He was seen by several doctors. The neurologist who saw him did not participate in our plan, XXXX. We were never informed of this. XXXX years later I received a bill from XXXX XXXX XXXX XXXX for {$180.00}. I fought this bill because I told them they should have told me that they did n't participate in my plan, I should n't get a dr. bill for an emergency room visit. I told them I would not pay this bill, They then sent the debt collection to Sa-Vit Collection Agency, XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ). Sa-Vit called my house every day, they threatened to report this debt on our credit report and demanded payment daily. I had to start screening my calls, as their agents were aggressive and harassing, especially when my children answered. In XX/XX/XXXX, we refinanced my home mortgage, where we were horrified to find that my husband 's credit score had dropped into a level that would not permit us to conduct the refinance. I contacted Sa-Vit Collection Agency and tried to explain that the bill was not appropriate. The offered to reduce the {$750.00} collection down to {$500.00}, which I paid under protest, by credit card in order to refinance my home. I have a bill from the Dr. 's office charging me {$180.00}, how is it possible for Sa-Vit Collection Agency to charge {$750.00} on a {$180.00} actual debt? How is it possible for this collection agency to be abusive and harassing to me and my family? They overcharged a debt, harassed my family and collected more than was owed on a debt that was in dispute from day and they marked my husband 's credit score which hindered our refinancing of our home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX - XXXX - XXXX XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Subject : Cease and Desist Request Account # XXXX Dear Portfolio Recovery Associates, Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I formally request that you cease all communication with me regarding account # XXXX. 

If you believe I owe this debt, provide : Proof of the original signed agreement Complete payment history Proof of your authority to collect Failure to validate this debt may result in complaints filed with regulatory agencies. Please confirm receipt and compliance within 30 days. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On the XXXX of XXXX, I received a direct deposit of {$13000.00} from the Department of Unemployment Assistance ( DUA ) Massachusetts for a Pandemic unemployment claim to my Bank of America account and the account was frozen and my CHECKING and SAVINGS account was closed shortly afterwards I have tried calling the bank countless number of times and visited the bank to ask them to return the money back to the Massachusetts DUA so it can be reissued to another bank but they refused. Its been almost 2 months now and the bank is ILLEGALLY holding the money and has refused to return the money back to its source. They closed my bank account and told me my contract is terminated and I do not have a say on what they do. They have been holding the money for over 7 weeks and have refused to return it back. I have spoken to the fraud department, the bank supervisors and even my branch manager and all efforts hit a brick wall. Please I need them to send the money back to the Massachusetts XXXX to be able to reissue it to my a new bank.
Product: Debt collection

A writ of garnishment on my bank account was issued by XXXX, Place XXXX on behalf of Cerastes, L.L.C. and XXXX & XXXX. I have filed a motion to vacate on grounds Plaintiff has no standing. 

Need constructive assistance with this case. I do not believe I will receive substantive justice. Justice of the Peace seems to be serving as a debt collector XXXX out writs for the Plaintiff.
Product: Credit reporting or other personal consumer reports

Account was opened XXXX and I contacted this company by mail and phone so Im writing to upload police report
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 




I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Mortgage

Hi, On XX/XX/2017 I tried to log into my wells fargo account. To my knowledge nothing had changed with my password or account name. The company deleted my password without informing me. They claim they updated there computer system and wiped out millions of user passwords. They never informed me by email or conventional mail or even in my bill. Most companies when they do this have a massive data breech and fail to inform there customers. The law is N.Y. Gen. Bus. Law 899-AA, N.Y. State Tech. Law 208.  I asked if this happened and they won't tell me. Can you please find out, My data is important to me and I want to be informed like the law states when Wells Fargo has one. The last data breech that they had thru a web search was on XX/XX/2017 was the size of 1.4 gb of data. I was never informed then either. So please help me find out if they are not telling me about a data breach of there system which might contain my personal information.
Product: Credit card

I have consistently made timely payments on this account, never allowing them to be overdue. I am confused about why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Debt or credit management

All of the reporting agencies. MidlandCredit Management. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX for amounts of {$450.00} and {$570.00} these accounts were charged off and sold to this agency, I have asked several times to provide my Signature showing I approved this. I want these accounts immediately deleted from my credit report all reporting agencies.
Product: Checking or savings account

Over the last week, I have been unable to access the bill pay part of my account. I have tried to contact the bank through : Chat, email and phone. I have received no response to my chat messages nor the emails, and the wait time on the phone has exceeded two hours. I need to change/cancel my bill pay reoccurring payments.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to address several inaccuracies and violations present on my credit report. It has come to my attention that my credit report contains unauthorized inquiries and incorrect personal information. I have taken the necessary steps to verify the information, and I kindly request that the following discrepancies be investigated and rectified in accordance with the applicable laws and regulations : Unauthorized Inquiry : Creditor : XXXX XXXX  Date of Inquiry : XX/XX/XXXX I have no recollection of providing authorization for this credit inquiry. As such, I demand that this unauthorized inquiry be promptly removed from my credit report. This action is in line with the Fair Credit Reporting Act ( FCRA ), which mandates obtaining proper authorization before conducting credit inquiries. 
Incorrect Personal Information - Alias : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX  This alias does not pertain to me, and I request that it be immediately expunged from my credit report. The FCRA stipulates that credit reports must accurately reflect an individual 's personal information, and any inaccuracies should be promptly corrected. 
Incorrect Personal Information - Address : CURRENT ADDRESS : XXXX XXXX XXXX  XXXX, AZ XXXX The address listed above is incorrect and does not correspond to my current residence. I kindly request that this incorrect address be rectified in line with FCRA provisions on accurate reporting. 
Unauthorized Inquiry : Creditor : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Similar to the previous unauthorized inquiry, I have no recollection of granting permission for this credit inquiry. I urge you to promptly remove this inquiry from my credit report, as per the FCRA requirements for proper authorization. 
I appreciate your attention to this matter and your adherence to the laws and regulations designed to protect consumers ' credit information. Please provide written confirmation once these discrepancies have been addressed and rectified. 

Thank you for your prompt action in resolving these issues. I look forward to a swift resolution and an accurate credit report. 

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

I received a credit card from Home Depot and called Home Depot and informed them that I didnt not apply for a card from them. The representative said that they would closed the acct. When I received my free annual credit account, I noticed that an hard inquiry that I did not authorize on my credit account from XXXX  XXXX. I called XXXX XXXX and informed them of the unauthorized inquiry. They informed me that they did not approve the card. I will be completing a police report today. I called each of the credit bureaus and requested an alert and freeze be placed on my accounts. The hard copies were placed on XX/XX/2019 and I received the Home Depot card on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of several accounts reported on my credit report. These inaccuracies are negatively affecting my creditworthiness and overall financial health. I request a thorough investigation and correction of these errors.
Product: Debt collection

From XXXX to XXXX we had XXXX XXXX XXXX at our home in XXXX XXXX. That term was covered by a contract. Once the contract expired we tried to cancel the service as we were no longer happy with the service. They advised us that we had to cancel in writing, which we did in XX/XX/XXXX. Since we didn't hear from them again we assumed that was the end of it. We sold that house in XXXX. 

Fast forward to XXXX, and we see an item recently sent to collections on both my wife 's and my credit report from a company called Mountain Run Solutions, a debt collector, alleging that we owe them {$480.00}. They claim via the credit report entry that they filed in XXXX. They did not, as my wife and I qualified for a mortgage at 2.5 % in XXXX, which would not be the case had they done so. 

They claim we didn't cancel our XXXX agreement properly, and that the {$480.00} is fines and penalties.This is false, as the intervening time clearly proves. We have repeatedly asked them for proof of the debt, and they refuse to provide it, instead sending us only a copy of our contract, which clearly shows the term as being XXXX. XXXX was subsequently bought out by XXXX, but our calls to XXXX for proof result in our being sent back to Mountain Run Solutions. 

We checked the XXXX and there are hundreds and hundreds of complaints just like ours. It appears Mountain Run Solutions is running a scam, and hiding behind the pandemic to do it, counting on less oversight by yourselves. 

We insist that this intentional, extortive error be removed from our credit reports, and that Mountain Run Solutions be properly sanctioned for dishonest business practices. Their malfeasance has already inflicted financial harm to us. My wife had a credit card cancelled, and I had a credit limit lowered as a direct result of Mountain Run Solutions criminal actions in this case. You will almost certainly be getting hundreds of complaints about them that will seem very similar to our own. 

Please take action to put a stop this.