23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt of less than {$800.00} from XXXX XXXX was from XXXX or earlier and should have been written off AND removed from my credit reporf ; however, debt collector not only is attempt to collect, they bypassed the statute of limitations and have re-entered the same debt a second time on my credit report, but with a new date of XX/XX/XXXX. Today is XX/XX/XXXX and I have received XXXX pages of collection documentation. Statute of limitations in Arkansas is 5 years ... so this is now past the statute for the second ( illegal ) posting to my credit report ... right?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX and they did not have the amount that is reported on my credit report for {$100.00}. I wanted to make a settlement and have it remove off of my credit report but they could not help me. The name they have is my maiden name which is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED LAST XX/XX/2021 A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 61 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Debt collection

I recieved a collection letter from perfection collection for the amount of {$3900.00}. I called the agency and explained that the debt was not mine. I made a police report, and disputed the claims with the credit bureau and had no success in rectifying the case. The debt is for a security system installed on a residence in XXXX. I don't know of anyone in XXXX. I live in XXXX XXXX, I have exhausted every option to rectify the situation, I even called XXXX and opened an account with the expectation of resolving this problem. The only other option that I have is to contact a lawyer, but u dont have the money for that. Please if you can assist me with this problem I will greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$220.00}
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as [ XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX ] on my credit report. I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX  FL, XXXX, while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ]. I request that my current address be updated accordingly.

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name.

A recent utility bill or bank statement showing my current address.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX has called 3 times and its only XXXX, they are way over 7 calls in 7 days. XXXX current time XXXX unable to listen to speaker music on a bluetooth speaker calls just keep interrupting.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX 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
Product: Debt collection

FMS Financial Solutions I disputed with a 609 letter {$1700.00} XX/XX/20
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reorting Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 I have the right to privacy.

15 U.S.C 1681 section 604 Section 602 States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) Sections 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: Checking or savings account

Representative or a law firm of Bank of America called me last week saying Im being sued for a bounce check for {$500.00} or something around there and they said they will be subpoena me soon I really dont know what to do.
Product: Credit card

I have been trying to use my Apple Card provided by Goldman Sachs for two weeks and its been blocked for fraud. I was told twice that all the flags were cleared and I could use my card again. 

I have spoken to 15 different agents and I still can't use my card. The last two agents XXXX XXXX and XXXX XXXX both lied and stated that they could help but all they could do is provide case numbers for someone who could help would call me back. No one is calling me back and I am still not able use my card.
Product: Student loan

I am the co- signer for my son XXXX XXXX private student loans. Over the course of time I sent money order payments in to pay off the loans I co-signed. I specified with the payments that they be applied to the loans I co-signed and to the one with the highest interest rate first. Some of the monies I sent was applied to other student loans that my son had which were Federal Loans and I did not co-sign. I did not keep good records of the payments I made and my son lost his job and stopped making loan payments. I have called XXXX XXXX and Navient numerous times to try to go over the payments so they could apply them properly. I have spent hours on hold waiting to get to the right person and then promised that they would get the information together and call me back but they never do. They have since sent the dept to a collection agency and they are calling me for payment. I am pretty sure that I have paid more than I co-signed for and I need them to give me the loan history so that I can tell them which payments I made that were not applied to the loans I co-signed. They have also reported to the credit agencies that I am delinquent and ruined my credit. I have a small business and rely heavily on my good credit standing to buy merchandise.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent out a letter disputing a fraudulent XXXX account with Experian. They came back and stated that the account had been verified by XXXX. 

In XX/XX/2019 I called XXXX about the fraudulent account, they stated that they were unable to locate this account in their records. I also sent them a letter, in which they received on XX/XX/XXXX, requesting the original business transaction that shows my signature for the item they are reporting on my credit. I have yet to receive anything from them. 

I reviewed my credit report today, XX/XX/2019, and I saw that the account had still been reporting on my credit report. 

I called Experian about the account, in which they had just opened a dispute on XX/XX/2019 again with XXXX. I sent the letter in since XX/XX/2019. I informed them they they need to block the account from reporting until proof is provided otherwise. They refused to block the account and stated that they will wait until XXXX provides information to verify the account. I asked how was it verified the first time since they don't have any information to verify that the account was mine. They couldn't answer the question and only provided a vague response that a dispute is opened. 

Both the other credit bureaus ( XXXX  & XXXX ) have already removed this fraudulent account from my  report, however Experian has failed to do so and it is negatively impacting my credit. I am unable to obtain a business loan as a result of this erroneous account.
Product: Mortgage

I was working with Wells Fargo on a new mortgage approval for our family 's new home starting in XXXX. During the process, Wells Fargo decided to have the appraisal done as a drive by and the house was valued U {$190000.00} less than the offer price. Since we did not have the additional cash, this meant we could lose the deposit and the opportunity to buy the new home. We decided to start a new loan approval process with two other lenders in parallel, XXXX and XXXX, while trying to dispute the appraisal from Wells Fargo. 
The appraisal reports produced by the two independent lenders came right at offer price. Appropriate adjustments were made to the condition of the home since both were full walk in appraisals and recent sales were taken into consideration instead of sales done 1 year ago. Both reports were shared with Wells Fargo in an effort for them to reconsider and accept those instead - we were still interested in closing with them due to their more competitive rates. However, they took over 2 weeks to make a decision and finally decided to disregard the initial Wells Fargo drive by appraisal report and accept the new home value appraised at offer price by the other two institutions. This additional delay in fixing the initial issue resulted in the inability to get fully approved with Wells Fargo in time for our planned Close of Escrow date, so we did not use them as our lender and instead used XXXX.
Product: Debt collection

Wilber & Associates PC is demanding payment from me ( or my insurance company ) on behalf of XXXX XXXX stating " Our client is seeking reimbursement from me as a result of the incident which occurred on claim date ( XXXX in XXXX XXXX, Oregon. Their Client Claim number XXXX. The amount of the claim is {$5500.00}. There is no description of the incident! 

This is a completely fraudulent claim which they have engaged in with others repeatedly per your files and other reports from XXXX throughout the US! I have never been in XXXX, Oregon on that or any other date. I have not contacted them because I don't want to give them further opportunity to harrass and threaten me. 

Thank you for your assistance in resolving this and hopefully taking legal action for this clear scam which undoubtedly frightens some people into paying money they don't owe.
Product: Checking or savings account

A bill pay check for {$310.00} was sent to  Wells Fargo  on  XXXX  against a closed account, and cashed by them on  XXXX . This was sent accidentally, as I have a valid car loan contract with them and the check was meant for that  (  second check was already issued for that ).     I believed since the account was closed,  Wells Fargo would act in good faith and not cash it. I called wells Fargo  as soon as I discovered this and was told it would be refunded within  two days. After a week with no refund/correspondence I had a conference call with my bank ( who issued the bill pay check ) and Wells Fargo  who assured me this would be refunded within a week.     It 's now  two weeks later, and 3 weeks since this has begun. Wells Fargo is  conducting radio silence, and every time I call, I 'm told they will look into this. As they promised resolution ( on tape ... I recorded the conference call ) and have not honored their word, contract, and to be honest stopped stealin g ( took money, nowhere to allocate it to, promised to reimburse ... now ignoring follow up requests ), w hat can you do against this theft/bank fraud?
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.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 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: Mortgage

Freedom Mortgage contacted us to refinance our loan with them. 

After the original loan was closed and paid-off in their system, they withdrew {$2200.00} as a payment on the paid-off loan from our bank account. After contacting them, to have this reversed ( since the loan was paid-off ) they have refused to return the funds. 

Twice I provided proof ( bank statement & copy of their own online statement showing receipt of funds that are unapplied ) they withdrew the funds. I have called 5 times over the last 4 days and they are refusing to return the funds stating they are 'looking into it ' but don't have proof they received the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I received a copy of my credit report from Trans Union. I sent them a certified letter ( which I am providing as well as the letter ) on XX/XX/23 ( delivered XX/XX/23 ) as well as a second XXXX on XX/XX/23 to let them know they are reporting inaccurate information on my credit report. According to the FCRA, I have the right to an accurate credit report. There is a collection account XXXX XXXX XXXX # XXXX that they are listing on my report after ( investigating which I wasnt sent exactly how it was investigated ) that is showing OPEN and also shows a PAST DUE amount of now XXXX, as well as a balance of XXXX. I REQUESTED THIS BE DELETED FROM MY REPORT AND A COPY SENT TO ME REFLECTING THE DELETION OF THE ACCOUNT. Its very frustrating trying to keep up with my credit report and trying to resolve inaccuracies, yet feeling as though even when I reach out Im still not being provided with accurate reporting. Ive asked multiple times and now feel theres no other choice but to take more action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed some information was incorrect. I contacted Equifax because they are obligated by section 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) to verify this information ( A ) and they are not permitted to report this unverified information without providing any supporting documentation within the legally allotted timeframe. The FCRA gives them 30 days and they failed to meet that required deadline. The attached items need to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

This complaint is in reference to the charge off and collection accounts being reported by the credit reporting agencies to my consumer report. Per the Department of the Treasury Internal Revenue Service Publication 4681 if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income. INCOME DOES NOT GET REPORTED to any consumer report ( Per FCRA ). The following companies are being reported as either charge off or collections ( certificates of indebtness/income ) to my credit profile. This action is a violation of 15 USC 1681 ( a ) Definitons ; rules of construction subparagraph ( 2 ) which states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 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 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

Equifax and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this issue, however I have not been successful.
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan with XXXX on XX/XX/year> for a XXXX  XXXX XXXX. I was in a collision and my car was declared a total loss. I kept making payments due to delays in getting the loan paid off and to avoid damaging my credit. The last payment I made was on XX/XX/XXXX. The loan was paid off XX/XX/XXXX. I spoke with them XXXX  times to ask about the refund process being told that a check would be sent and XXXX  months later I have not received my check. They would always check my mailing address and claim to have " updated '' my mailing address. Even though I had already done it on my web portal. And I can never get a clear answer. They aren't willing to expedite the process and they are willing to refund back to the original payment source via XXXX. They just took my money and are refusing to send it back and it has gone much longer than reasonably expected. The money I could use for gas and groceries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I disputed the following charges on my credit report with XXXX, Equifax, and XXXX i asked to show a contract showing I in agreement with the below listed collections on the balances they are trying to collect with me and the all ( XXXX ) CB could not show me a verified contract but the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX  XXXX - Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX - Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX - Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX XXXX # XXXX - Reported bal {$390.00}
Product: Credit card

XXXX XXXX Services opened on XX/XX/XXXX  without my Knowledge. it was open by somebody else who has my information
Product: Credit reporting or other personal consumer reports

Experian is in violation of FCRA by failing to adequately investigate an issue where they were alerted that they are currently furnishing false information. On XX/XX/XXXX I became aware that XXXX XXXX was reporting my XX/XX/XXXX as 30 days late via Experian, even though the payment was made on XX/XX/XXXX ( Due XX/XX/XXXX ) ( attached ). I attempted to dispute online and was told I had to via phone for security purposes ( attached ). Experian closed the investigation the next day stating that they verified that the information was correct- it was not. Attached is proof of payment that I was not given the opportunity to provide. This is reckless, irresponsible, and illegal conduct by a consumer reporting agency.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is XXXX  to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been removed as the file is not mine. XXXX and Trans union have failed to investigate and fix the issue and have also failed to update the account to relevant information. Both companies are on there 10th dispute with failures to resolve issues
Product: Debt collection

on X/XX/2017 Sent a letter to CommonWealth Financial Systems inc. ( letter attached ) requesting back up on the debt they are reporting on my credit report. They replied back ( letter attached ) that I  needed to call w/social security # 4 digits/date of birth etc ... so they can properly identify me. I find this a bit disturbing that they clearly have this information since they are able to report on my credit - I will NOT call their office to verify my information. In my letter I also stated do not try to collect this debt which I do not know what it is for until they provide back if you notice at the end of the letter from the it states this is an attempt to collect a debt and used for this purpose. <P/>Last 4 digit of my social in next step - once again they should have this information since they are reporting. <P/>I find this is a tactic to continue to report & absolutely ridiculous this is my 2nd complaint - it was closed due to the company stating they can not verify my identity or the debt.