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

The companies below have gone into my personal information, and they have created hard inquiries in my credit report without a good reason. 

XXXXXXXX XXXX XXXX/ inquiry date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX / Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  / Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX / XXXX date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX date : XX/XX/XXXX Thank you!
Product: Debt collection

I received a debt collection notice from Convergent Outsourcing , Inc. on behalf of XXXX XXXX XXXX from a credit card company called XXXX XXXX stating I owed {$1100.00}. I contacted XXXX XXXX and also contacted Convergent and asked that they provide proof that I owed this debt and neither company could provide me with any type of documentation. I do not owe the supposed debt and I do not want this to go on my credit report. I am very upset that companies are trying to take advantage of people during a crisis.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ALL DOCUMENTS BELOW. 
- POLICE REPORT -FTC -DOCUMENTS OF DELETED ACCOUNTS ON OTHER BUREAU -ACCOUNTS AND NUMBERS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been informed of the XXXX security breach and I want to be involved in the settlement. I have endured numerous financial loss and other issues in regards to inaccuracy and fraudulent activity on various of my accounts all connected to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MI  XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppelby the silence of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exixts. ( Pleas remove this account before I seek litigation for defamation of character )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I went to XXXX XXXX XXXX and requested my 3 free annual credit reports. XXXX and XXXX allowed me to see my 2 free annual credit reports, print them and save them in PDF format after asking me security questions that were easy for me to answer. 

My complaint is with Equifax. Their questions made no sense at all and I selected None Of The Above for all of the answers. Either they do not want me to get my free report online or they have some really bad information in their computers. I want the CFPB and Congress to require Equifax to make their online request process simpler and easier like XXXX and XXXX. I really wish our federal government would take over these three companies and secure the information on their computers because none of them can be trusted based on the fraud that has been committed against these companies over the years. At least with the federal government we could have the NSA computer programmers making our credit information secure from foreign governments and hackers.
Product: Debt collection

" XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' " {$340.00} '' " Opened XXXX '' Block and Remove This Account From My Credit Report. I Did Not Consent To, Did Not Authorize, Nor Benefit From This " Derogatory Mark ''. Report Positively To All Consumer Reporting Agencies. Compensate Me {$2000.00} in total per violation as stated in 15 USC 1681N ( 1A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act XXXXt # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX account name XXXX XXXX XXXX  ) ( Account name XXXX XXXXXXXX account # XXXX ) account name XXXX account # XXXX 15 U.S.C 1681 section 602 A state I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 it alsos state a consumer reporting agency can not fumish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX. On XXXX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly a collection in the amount of {$2700.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX XXXX XXXX and was in the XXXX. During this same period of time my wife also had to have XXXX. Both my wife and I were treated with participating providers with XXXX XXXX XXXX  We met all of our deductibles and maximum out-of-pocket on the health care insurance plan and therefore there should not be any outstanding balance due. I have attached a copy of my insurance card for reference. First, I never received any Explanation of Benefits showing there was an outstanding balance due ; Second, it is outside the statute of limitations for XXXX XXXX XXXX to process this claim ; and Third, it is outside the statute of limitations for payment. This billing error was not my fault. XXXX XXXX XXXX   insurance billing department should have properly remitted the paperwork. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted customer service at XXXX XXXX XXXX  as well as the bureaus to remove this however, I have not been successful.
Product: Vehicle loan or lease

My loan payments were initially " bi-weekly '' for auto loan. Some time ago I have been on  XXXX  where I am only receiving income once per month. I 've talked to the company SEVERAL times to switch my payments to monthly. No one seems to know what happened to the initial request. Maybe it vanished ... I do n't know. I receive several phonecalls a day from the lender bombarding me to make a payment with out discussing the request that I 've put in. Th e Lender also does not show how payments are being applied to your loan. They have all other documentation on their website with the exception of this feature ( red flag to me ). I would like my payments to be switched to monthly instead of biweekly ( which the len der said is possible but my request is completely not noted ).
Product: Credit card

On XX/XX/2023 I purchased three items on Wayfair.com and I used the Wayfair MasterCard to pay for the merchandise. I received {$120.00} reward dollars for the vanity which cost {$2400.00}. The vanity was delivered on XX/XX/XXXX. I have not received {$100.00} reward dollars for the purchase of two faucets for {$2100.00}. The two faucets were delivered on XX/XX/XXXX. 

Here is the exact verbiage from the Wayfair Credit Card and Wayfair Mastercard Rewards Program Terms : a. Wayfair Credit Card Reward Dollars for Net Eligible Purchases. You will earn Wayfair Credit Card Reward Dollars for Net Eligible Purchases so long as your Credit Card is in Good Standing. 
i. For the Wayfair Credit Card : 5 % on Net Eligible Purchases made with the Wayfair Credit Card at the Sites. 
ii. For the Wayfair Mastercard : 5 % on Net Eligible Purchases made with the Wayfair Mastercard at the Sites d. Posting of Wayfair Credit Card Reward Dollars Earned ; Forfeiture. Wayfair Credit Card Reward Dollars earned on purchases made at our Sites will be posted to your Account balance under My Account on the Sites within 48 hours of when the items purchased are shipped to you. 

I have contacted both Wayfair and Citibank, but both organizations tell me the other is responsible. I believe the responsible party is Citibank, but every time I call they give me the runaround.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting 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 : XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXXXXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$2.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Multiple calls have been made and I have followed all of MasterCard gift cards instructions to fax in a picture of the card back and front with all of my contact information and when to reach me. Yet they have failed multiple times to reach back to fix my problem. My funds have not been accessible for 4 months.
Product: Debt collection

I work nights, and sleep during the day. I receive multiple calls during the day while I'm trying to sleep. I told the company that this is inconvenient, and to utilize alternative communication methods. They have not ceased the telephone calls. They have also not provided the verification of debt that I requested they provide me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

I bought a XXXX XXXX XXXX in XXXX for XXXX. I paid around XXXX and had a balance of XXXX. I was constantly having issues with the car and it broke down again and could not afford {$600.00} to fix it. My nephews broke all the windows to the car and the rained ruined it, so i sold it to a junk yard for {$250.00} with the title. The last payment was around XXXX. Now a dept company is suing me for {$66000.00} and threating me to take away my property. The statue of limitation in Texas is XXXX it's been over XXXX since i last made a payment. This means the debt is time-barred.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is related to the earlier ticket XXXX. 

I asked them to just use one name " XXXX XXXX '' and remove the other one " XXXX XXXX. And their response was " We reviewed your complaint and apologize for any difficulty you may have experienced. We deleted the other name XXXX XXXX, per your request from the credit report. '' They made a mistake. 

I also asked them to explain what it means by " reported '' for each of the three other information types ( i.e. addresses, telephone numbers, and employment data ). Their response was " Please be advised, the date reported are reported by you creditors when they have verified the personal identifying information. '' This is off the point, incomplete, and inadequate.
Product: Money transfer, virtual currency, or money service

Theres a feature that allows you to overdraft money but Ive had a few incidents where Ive t would over draft me even when I had the right amount of money in the account. For some instance when I go to pump gas the gas station usually charges the card more than what you would put in because it just opens the pump I would put the money ey that I only have into my tank but I would go back to check my account and the transaction would show how much I put but the overdraft would not correct itself Ive tried to call a few times and Ive only had XXXX successful proceeding of getting the issue fixed
Product: Credit reporting or other personal consumer reports

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Product: Credit card or prepaid card

My wife and I received a {$5500.00} credit limit on a store card from XXXX XXXX in XXXX XXXX, CT, managed by TD Bank. We made some initial purchases and had over {$2000.00} available credit remaining. We set up autopay immediately and had been making on time payments for months. One month we started a new joint bank account and I neglected to change the autopay information with the XXXX TD Bank card, so the payment was declined. I quickly resolved the issue once I noticed the problem. Literally every other payment thereafter was on time via autopay. However, Our entire remaining available balance was deleted due to the once single circumstantial late payment. 

I called TD Bank to see if they could help, but they were unwilling to reconsider. 

This seems to me a very unfair practice. I would understand if there had been multiple late payments, etc, but other than the one late payment due to a change in bank accounts, every other payment was on time and I assumed we were in good standing. 

I only found out the credit limit had been erased because we are moving and were ready to buy a new bedroom set. 

Is there anything CFPB can do to help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried disputing company never got back and credit bureau would not fix item
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  is reporting inccorect information cncerning my auto loan account. They have change my status on the account several times once being contacted concerning the mistakes reported on my  XXXX , Experian and  XXXX  credit porfiles. Each profile is stating different information and I have documentation to prove that the information is incorrect. I have placed several disputes against this company and they will mak e the corrections for about seven days and then automatic report the incorrect information agin.
Product: Credit reporting, credit repair services, or other personal consumer reports

My balance was paid to {$0.00}. I contacted each individual credit bureau XXXX XXXX, XXXX, and XXXX  XXXX about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45 days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX , PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent a letter of dispute and an investigation request to the XXXX credit bureaus in order to remove incorrect informaiton as well as incorrect late payments reporting from my credit report. I tried once before to dispute online but i didn't know how to doa factual dispute. This time I did send them a copy of my XXXX bearues credit report and marked few inaccuracies for them to investigate. Each one of the credit bureaus opened an invastigation and closed it in a few days after without investigating at all. I decided to call each one of them to let them know that they didnt do any kind of investigation and they open a new one for few more days with unsatisfied results again. The XXXX burueas are violating my rights and breaking many FCRA laws by ignoring them completely. By law they have to report % 100 correct information in all XXXX bureas and if they don't then its ground for removal. I tried a few times to ask them and showing them the inaccuraies and the violations they have without a respound. On top of all that, they changed on one account the payment history, so mounts that were marked as paid before now shows " late '' and the other way arround. They add one more late payment on XX/XX/XXXX that wase n't there before so they made my situation worse. The credit bureaus stated that my account was properly investigated but how is that possible if on account # XXXX the open date is inaccurate, high credit is inaccurate, last reported date is inaccurate, date last active inaccurate and the date of last payment also inaccurate. On account # XXXX date opened, terms, last reported, last active and last payment also are incorrect and the payment history incorrect and inconsistent. They violating my rights under 15 U.S.C 1681 section 602 A states i have the right for privacy. 15 U.S.C 1681 section 604 A XXXX states : a consumer reporting agency can not furnish an account witout my written instructions. according to 15 U.S.C 1681 everything has to be % 100 accurate and i have the credit report showing inaccuracies. 15 U.S.C 166bA creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} /Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date XXXX : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Collection XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300000.00} Late/Open Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report from this credit bureau but the information listed needs to be updated as wrong information is listed. They have my wrong address, telephone number, profession and salary. The correct information is listed below : Address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Florida, XXXX My telephone number is : XXXX My profession is : A XXXX XXXX XXXXXXXX with XXXX XXXX Salary is {$200000.00} per year. 
Kindly update my demographics with the correct information please.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I XXXX XXXX sent a certified letter to Transunion in regards to them reporting inaccurate information on my consumer report. On XX/XX/2022 they responded saying they did an investigation and VERIFIED that all information was reporting accurately. I supplied them with evidence which showed that they were reporting inacuurate information. Instead of doing the proper investion pursuant too 15 USC 1681s this agency choose to still report inaccurate information which is causing me great harm. I am again asking for help in this matter seeing that Transunion fails to respect my rights as a consumer and is continuing to violate those rights by reporting harmful inaccurate information.