23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Issue Summary : XXXX has reported inaccurate and fraudulent information on my credit report despite my repeated disputes and the evidence I provided to prove the information is invalid. Specifically, the collection account from [ Invitation Homes ] is fraudulent, and I have documentation demonstrating compliance with my lease terms, as well as proof that this debt was unlawfully claimed. 

Key Facts : I rented a property from Invitation Homes in XXXX XXXX XXXX, Georgia ] and fully complied with my lease terms. 
After moving out, Invitation Homes failed to return my security deposit and unlawfully placed a collection account on my credit report, which I disputed with XXXX. 
I provided XXXX with the following documentation : - Resident Ledger highlighting fraudulent charges - Email correspondence showing Invitation Homes ' failure to justify the charges. 
- Documentation that the home was professionally cleaned prior to move out. 
- Documentation of a recent ruling by the FTC ( FTC Matter/File number XXXX ) finding Invitation Homes guilty of engaging in deceptive practices, including the imposition of illegal fees and the improper withholding of security deposits, and evidence that I am a victim of these deceptive practices. 

XXXX denied my dispute without conducting a proper investigation, violating its obligations under the Fair Credit Reporting Act ( FCRA ). 
XXXX Violations : XXXX actions violate the FCRA, specifically : Section 611 : Failure to conduct a reasonable investigation into my dispute.

Section 623 : Continuing to report inaccurate information after receiving evidence of its inaccuracy. 

Impact on Me : As a result of XXXX failure to remove the fraudulent information : My credit score has been unfairly damaged.

I have been denied credit and housing opportunities.

The stress and harm caused by this situation have been significant.

Resolution Requested : I am requesting the following : Immediate removal of the fraudulent collection account from my credit report.

A detailed explanation of why my dispute was denied despite the evidence provided. 
Confirmation that XXXX will take corrective actions to comply with the FCRA and prevent future issues. 

Conclusion : XXXX has failed to uphold its legal obligation to ensure the accuracy of information in my credit report. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and compel XXXX to correct this error.
Product: Credit reporting or other personal consumer reports

Hello, today I am reporting some accounts that are affecting my credit history and some inquiries that I do not recognize and I would like them to be removed from my history please. 

Accounts XXXX XXXX Account Number : XXXX Balance : {$1600.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$93.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : {$1200.00} Inquiries that I do not recognize : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit is reporting a {$160.00} medical bill from 2016. When I saw it on my credit I immediately contacted the XXXX who gave me no info except the amount. I then contacted the urgent care the original debt was with and they stated there isn't a balance under my information. I contacted my insurance company at the time and they verified for me that there isn't any owed balance with the urgent care. I tried contacting the outside agency again but they refuse to even look into it and verify it with the urgent care and instead are still trying to collect this debt that isn't valid.
Product: Student loan

My loans have been taken out through sallie mae, but XXXX as you know turned their loans over to navient. Navient is trying to change terms within our promissory notes in which states our private loans must be paid back in 48 months. This policy is not listed in our promissory notes that we signed off on, their has been no new promissory note sent to us stating new terms and policies. I am still in school and they are trying to make me pay back loans when I should not be according to the terms that I have signed off on in my promissory note. I understand that the CFPB might be suing Navient I would appreciate if this would be included in the suit. 

Thank You, XXXX XXXX
Product: Debt collection

Zion Debt Holdings was told not to contact me and they started texting me about a Debt that is not mine. I have told them on neuromas occasions.not to contact me. This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

There is a loan that is being reported on my credit report as CHARGED OFF but the lender has been garnishing my wages. Every two weeks they are deducting a payment of {$380.00} from my paycheck but they are reporting the account as a charged off account. I spoke to a lawyer and I was told that after the account is charged off it should be reported at {$0.00}.
Product: Debt collection

Allied systems is trying to collect a disputed debt. I do not owe this debt. I left long and foster and I did not stay there and they tried to charge for something I never used a service I never used and I was not even a part of their agency but a month and then they closed the office once I told them I was changing XXXX another company I got this bill but they never reimbursed me for the XXXX dollars I had to pay to get set up for their company which XXXX never got back so they owe me this money I dont owe anything to them because I never stayed and never used the service Allied ignored my dispute and put it on my credit report
Product: Checking or savings account

I signed up for a PNC Virtual Wallet with XXXX XXXX through a landing page on their website. There was a signup deal on-going, wherein if you deposited {$5000.00} via Direct Deposit, there would be a {$500.00} deposit made within 30-60 days. I opened the account on XX/XX/2020, and made a {$5000.00} direct deposit on XX/XX/2020. I called to check that my account was in good standing, confirmed it was and I would be receiving the bonus deposit. I then called again on XX/XX/2020 to check the status, and the rep now claims that my account is not in good standing, as there is a requirement for 10 debit transactions during the account bonus posting time. I have attached screenshots of the landing page I signed up for my account through, no where does it state debit transactions are required.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carful review of my credit profile I notice multiple unauthorized inquiries. I filed a police report. Please remove the following inquiries from my credit profile - these are unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXX/XX/XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX. We recieved the Title in the mail and also was able to get a tag for the vehicle. On XX/XX/XXXXXXXX  our car was taken by a repo company called XXXX XXXX XXXX we had to call the police and report the car stolen in order to figure out what happened to our vehicle. Once we got a call from the officer about our vehicle we gave the repo company a call. They are saying the cat is not in our name, and refused to even take a look at the title of our vehicle. They told us Westlake Financial was the company responsible for the repossession of our vehicle. We called Westlake Financial and they are saying they don't have a lien on our vehicle and they would be sending something over to them to get them to release our vehicle to us.I spoke with a supervisor XXXX XXXX on XX/XX/XXXXXXXX  and nothing was done. I spoke with them yesterday on XX/XX/XXXXXXXX  and the lady i spoke to said she would give me a call back within a hour and she would have them bring the vehicle back to us. And she was sending them over a release form the same day. I havent heard anything still. I also spoke with them a few times in between the XX/XX/XXXX. Until today XX/XX/XXXX. They keep saying the vehicle is not in our name. Which is true we don't have an account with them. But we own the vehicle because the vehicle was purchased from a different company. We need our vehicle and our property out of the vehicle and the tow company will not give us our property or tye vehicle back even with proof of ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

per 15 1666B no lates should be furnished per 15 usc 1681 b as well. I did not authorize any furnishing, i did not provide my consent or anything. im disappointed in the companies and the matter needs to be resolved asap.
Product: Checking or savings account

Wells Fargo has closed all three of my personal accounts ( 2 checking and 1 savings ) because they said that I had mishandled a previous prepaid checking account/debit account with them about 2 years ago. When they closed my accounts ( I had a total of 4 accounts with them at the time ) they stated that the reason for the closure was due to a check that had been deposited into my prepaid account that did not clear, and so they closed my account due to that reason. I tried to explain to them that it was not due to the check not clearing but rather it was due to me going through a Chapter XXXX Bankruptcy at the time which is what had caused the issue to begin with. Nobody wanted to hear me when I tried to explain to them that this is why the issue happened and not because of a returned deposit item. I have been a long standing customer with Wells for many many years, since 2001, actually, and if this is how they want to treat a long standing good customer like myself who has stood with them through the ups and downs, then I think that is wrong and I hope that they can reconsider keeping my current accounts open with them because I have never tried to mishandle any of my accounts with them since 2001. In fact, because of the bankruptcy, I believe that I should be given a second chance with the bank and not treated like a criminal because of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, I.C. SYSTEM, INC, and 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, I.C. SYSTEM, INC, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

Amazon.com has a Store Card, which advertises as follows : " Amazon.com Store Card  by Synchrony Bank 5 % back with an eligible Prime membership 6 equal monthly payments with 0 % interest on purchases {$150.00} or more 12 equal monthly payments with 0 % interest on purchases {$600.00} or more 24 equal monthly payments with 0 % interest on select purchases {$600.00} or more Special Financing options available on purchases of {$150.00} or more No annual fee '' The positive comments about the card given by " consumers '' seem more like being done by employees of Synchrony bank or by relatives of those working for such bank ; such " positive '' comments make no sense. 

Upon an urgent need, anyone would be tempted to apply ; the application goes smoothly, and within 2-3 days you get your credit card. 

However ..., the advertisement as quoted above gets discovered as being DECEPTIVE in  the sense that even if you pay some amount higher than the minimum due, they end up charging you and it is as if you did not pay at all. 

To ease this, {$1100.00} was paid last XX/XX/XXXX ; then, still paying something more than the minimum, like {$20.00} more or even more than this, they will still say you owe {$2000.00} in a few months. If the consumer 's personal bank takes its time processing transactions, and a payment to the " Synchrony '' bank goes through, they are not in any position to call you or send you an urgent e-mail saying that the payment was declined ; you can discover this months later, and after speaking with a customer service representative, they close your account ; it does not matter to them that one shows willingness to pay and that declined payments were discovered very, very late [ without their notice ]. 

We consider this practice DECEPTIVE and do NOT recommend the current Amazon.com Store Card to anyone. We say " current '' because Amazon.com is successful and smart enough to know to hire better financial institutions who can offer a fair deal and with no deceptive advertisements ; for sure Amazon.com will hire another financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 120 ) days past due on the DPT EDXXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureau and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureau to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

In XXXX  this company started reporting this derogatory collection to TransUnion. I do not have a contract with XXXX XXXX XXXX, therefore I contacted XXXX through certified mail asking to verify and validate the requested information, but never received it. Listed below is the requested information. 

1.Original contract with my wet signature on it 2.Original creditor 's information ; name, address, and phone number 3. Payment history showing including all missed payments 4. A copy of the agreement between XXXX XXXX XXXX and XXXX XXXX Bank that authorizes XXXX Funding to collect on this debt
Product: Credit reporting or other personal consumer reports

2 weeks ago on XX/XX/XXXX my credit score dropped XXXX points for no reason, I filed a complaint against FICO and XXXX at that time and within 3 days my score went up from the XXXX they docked me down to up to an XXXX ... on XX/XX/XXXX they docked my score XXXX points now down to a XXXX again for no reason, they have no idea why, reporting does not happen twice a month so this seems retaliatory and a second instance of arbitrary score decline without explanation .... upon calling them again they were again unable to explain why the score has dropped
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the accounts listed below has violated my rights. 

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 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 instruction.
Product: Student loan

I was contacted and scammed on XXXX of 2018 and I was XXXX enough to believe it was the department of education. They knew all of my information and where I went to school and everything and told me about a student forgiveness program I was eligible for ; based on my income. They said if I paid in {$550.00} then I could get into the program and I ended up putting it on credit thinking I could get my debt erased. I was tricked to believe that If I ended up making an substantial amount of money next year then worst case of scenario I would get my money backs I have the email where it was confirmed that I was accepted into the program and everything. It identified them as XXXX. Now I realized they just set me up with Nelnet, who I was paying my loan to for a forbearance and I was mislead this whole time. Now the number they gave me has been disconnected and everything.
Product: Credit reporting

Please help me, there was a judgment filed a while ago that should have never been files as the debt was paid before it was ever filed. I disputed the item several times which the only agency reported is Experian, they stated no they would not remove so I had my attorney go to the courts and obtain a motion to set aside, which I attached. The judgment should have never been filed and everyone agreed. Why is Experian not complying with the law?
Product: Credit reporting, credit repair services, or other personal consumer reports

During a time of family crisis, my truck payment in XX/XX/2019 to FORD motor credit was partially paid and the balance paid 2 weeks later. Even though they received partial payment, they reported to all 3 credit bureaus my payment was 30 days past due. A call had been placed to FORD credit to let them know we were splitting payment in two. They agreed
Product: Debt collection

MEDICREDIT INC has continued to use tactics to contact me after receiving a cease and desist. This company is stating I owe a debt that is not mine. MEDICREDIT INC has failed to validate this alleged debt within 30 days. This company continues to send me mail stating they are debt collectors and they are attempting to collect this alleged debt that I do not owe. This company failed to heed my cease and desist. This company has violated so many federal laws despite my efforts to cease communication. They are cause distress to me by contacting me. MEDICREDIT is a debt collection agency that purchases debt from other companies. This company is practicing unfair and unlawful. The refuse to respect my consumer rights and privacy.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I purchased a vehicle from XXXX XXXX XXXX of XXXX Oklahoma. My vehicle financing was done through XXXXXXXX XXXX. During this process, there were two hard inquires from a company named XXXX XXXX which I did not authorize. I noticed the hard inquires and reached out to the company directly via phone. I was advised they were unable to look up my information as I am not a customer of theirs, the customer service rep told me she would look into this and call me back. On XXXX XXXX XXXX I mailed written notice of my information being used without my permission and requested removal of the two unauthorized hard inquires. Here is a copy of what I mailed to them ( I removed some of my personal information as advised at the top of this complaint ). I have received no response back and would appreciate XXXX 's assistance in the removal of these hard inquires.
Product: Debt collection

There is no documentation that supports that I owe the {$80.00} medical debt that was sent to Vangaurd financial for collections. I have called Vangaurd financial and the doctors office and they were both unable to provide documentation of the {$80.00} that was due. Multiple people have had issues with Vangaurd Finacial putting negative charges towards their credit report. I was told by an employee at Vangaurd Financial to " pay it or don't, it doesn't matter. '' The original charge was supposed to take place in XX/XX/2016 and went into collections almost a year ago. I have tried multiple times to get it removed. I was on my parents insurance at the time of the charge so it should not have shown on my credit report anyways.
Product: Debt collection

Received a phone call from agent with XXXX XXXX pay. I was asked if my name was XXXX XXXX to which I replied it was but I am divorced and remarried and my name now is XXXX XXXX. I was asked to verify my birth year and was never told as to why I needed to do that only told it was a call from XXXX XXXX pay. I informed the agent I would not verify or deny any personal information over the phone unless I knew what it was regarding. Agent then told me it was in reference to an account that has been sent to collections. I informed agent that to my knowledge I have received no late/ past due/ or collection notices from any creditors/debtors. I also explained that due to a recent divorce there are some accounts that are in my name that I have a divorce decree stating I am not legally liable for. I asked the agent for the name of the creditor or debtor that had sent the account to collections and I would, while I am on the phone with them, look up that account and see if the account is or was past due and take care of any arrears. I was told by the agent that they could not tell me the creditor/debtor name. I explained that I am happy to take care of the bill but I need to know who it is from. I was told that I was refusing to cooperate and the agent hung up on me. I had 3 other phone calls that all ended the same way. Finally, after the 4th person hung on me I decided to call them. I was met with a wonderful breathe of fresh air named XXXX who explained she would have her manager send me an email to the address they have on file so I can see who has placed an account in my name in collections and I can take care of it that way. The demeanor and the words from the previous agents badgering and telling me I was refusing to pay when I repeatedly asked for alternative way to pay was uncalled for. I never once said I wouldn't pay I was merely unwilling to state my DOB or SSN over the phone. There obviously is another way and the fact I took about an hour or more away from work to handle this when it could have been done during the first phone call is unfair, rude and excessive.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is, XXXX, XXXX XXXX a federally protected consumer. My rights under the FCRA has been continually violated. 
Please see attached.