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

I dont owe these companies I had heath insurance during this time with my current employer!!!
Product: Credit card or prepaid card

XXXX XXXX i called XXXX XXXX XXXX XXXX and was unadded as an authorized user on a XXXX XXXX credit card account starting in XXXX. I have called Equifax multiple times and started a online dispute multiple times for almost 3 months now and the authorized user account that i have no responsibility over is still on my report XXXX  & XXXX  removed these accounts almost immediately and Equifax continues to leave this account on my report and its honestly frustrating and its really making me look bad on my credit report and the worse part is i have no control over the account because it does not belong to me im only a authorized user not the primary account holder. please help me get this off my Equifax report.
Product: Debt collection

I received a notification from XXXX XXXX that a negative account had been added to my credit score so I opened it up and theres a collection account that has no information on there. It is not my account nor have I ever taken out any sort of loan.
Product: Credit reporting or other personal consumer reports

I request a full copy of my credit report from my annual credit reporting agency to review my information. I saw accurate information on my credit report and I disputed with the three credit bureaus. XXXX sent me a letter that they don't think I am the one who disputed the incorrect information on my report. They're sending me a letter stating I'm not the one who's disputing the inaccurate information in my report. I am the one who disputed it.
Product: Debt collection

Years back, I brought a car from XXXX XXXX, XXXX, located atXXXX XXXX XXXX, XXXX, NY XXXX. The vehicle was financed through XXXX XXXX, XXXX was found to be a predatory lender, and I was part of a complaint filed against them in 2016. XXXX still has outstanding complaints with the XXXX. I was told by XXXX and sent a letter stating that the lone was canceled and that the information would be removed from my credit report, and it was. About two years later, I got a call from someone at Collins Asset Group , Llc, located at XXXX XXXX, XXXX, TX XXXX XXXX When I explained to them that the debt was with XXXX and that the lone had been canceled and I informed them of the ruling, I didn't hear from them. Later I found out Collins Asset Group , Llc reported me the credit agencies. When I contacted a lawyer, I was informed that XXXX XXXX went out of business and that the statute of limitations had run out to collect on this debt. Given all this information, Collins Asset Group , Llc, is still pursuing this debt, and I have written many times asking them to remove the false information from my credit profile. And in a recent phone call, Collins Asset Group , Llc did not inform me that the statute of limitations had run out to collect on this debt and instead tried to get me to agree to a payment agreement.
Product: Credit card or prepaid card

Received unsolicited offer for XXXX XXXX gold credit card in mail XX/XX/XXXX. Was promised XXXX bonus miles, so requested card. When it arrived, I had a question about online access, so I called their customer service number on XX/XX/XXXX. Was told during this conversation that I was ineligible for the offer because I'd previously had a similar card several years ago. This restriction was nowhere on the Terms and Conditions of the offer I received. I would never have accepted the offer if I'd known that. This is false advertising. I have canceled the card because the company refused to honor the offer they made and I accepted, but I resent the hit on my credit because of their misleading offer.
Product: Debt collection

They sent me a random email regarding a debt that i had never heard of.
Product: Vehicle loan or lease

I did stop paying after I put over {$8000.00} in repairs into this XXXX they are a junk dealer and selling garbage too the unfortunate that's not right or Fair for anyone they should be out of business
Product: Credit reporting, credit repair services, or other personal consumer reports

Same account resubmitted more than once .some exact amount duplicate accounts that ate bogus. Some given new account number and re-submitted and other nefarious activities
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Equifax Dispute Information Center Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX - Account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. Please see the attached Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Mortgage

XX/XX/2023 Mr Cooper confirmed that the loan assumption packet was received and would be processed in XXXX. XX/XX/2023 I reached out to a representative and was told that they in fact received the packet but there was not other information on the status. They also confirmed that it should have been completed in a minimum of XXXX  days, they submitted a ticket and told me I would hear from a supervisor. A couple days before the data breach I reached out again to a representative because I did not hear from a supervisor nor any type of contact about the assumption. The representative said that she would put a ticket in and reach out directly to her supervisor about the issue and I would receive a phone call. Your site was hacked and down till first week of XXXX, I waited about XXXX weeks after Mr.Cooper was back from the data breach. This time the representative, had no information about the assumption and gave me her guarantee that she would look into this, speak to her supervisor because she refused to escalate my matter to someone above her that could fix this problem. XX/XX/XXXX I reached out again and once again I was told there was no information on my assumption. I recently emailed the loan assumption department about this matter as well a ticket. Now, XX/XX/2023 I still have yet to receive a phone call back from a supervisor, an email or any other point of contact. It has been way over the 90 day minimum wait period and still have not received any information on the loan assumption or heard from any supervisor about this.
Product: Credit reporting or other personal consumer reports

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

The creditor World Finance I ask them to remove this from my credit report because in the State of Georgia the status of limitations is six years and the creditor can not collect on a debt.Plus my balance was {$110.00} and it goes to {$200.00}.
Product: Debt collection

I am not aware of what this debt is, how it was generated/incurred, and what steps were taken to notify me of this debt prior to filing a collection against my credit file. 

I have not received any emails, letters, or phone calls from this company.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a capital one credit card. Harvey hit back in XX/XX/XXXX and at the time after I had to make a new checking account. This card has always been in great standing and is paid on automatic draft. In XX/XX/XXXX I paid over XXXX to the card but forgot that I had to switch my checking account with everything going on with the disaster. capital one ended up saying I missed about even though I paid over {$500.00} XXXX and marked it to my credit. I am asking this be removed due to it affected my score and I have always been on time and # 3 I had already made a {$500.00} payment instead of {$24.00} Thank you for the help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 3 years I have mailed in numerous dispute letters requesting the removal of the XXXX XXXX credit card account because this account was paid in full in XXXX. However, it has continuously been reported as a CO monthly well into XX/XX/XXXX by both XXXX and XXXX. 
I have even written the company asking for the removal for this inaccurate reporting. 
This is very frustrating because we are trying to buy a home and this negative account has a huge impact on my credit profile.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was shopping for a vehicle and upon applying for a loan I was shocked to discover a loan with a company that I have never heard of included in my Experian credit report. This is an auto loan with XXXX XXXX. I called XXXX XXXX to request information about this loan, and why it is on my credit file. I only have one auto loan with a different company for a different vehicle and a very different balance. XXXX XXXX told me that the account I referred to does not belong to me. The confirmed that the account belongs to an individual with a different name, and a different social security number than the one I provided. They concluded that I am not the account holder, and they reported to me that they were documenting notes regarding the situation on the account file so that Experian could resolve the issue. I then filed a dispute with Experian on XX/XX/year>XXXX  regarding the account with XXXX XXXX belonging to an individual with a different name and social security number on my credit file. I informed them of my conversations with representatives from XXXX XXXX in which they confirmed that the account does not belong to me. Experian claims to have finished investigation the dispute on XX/XX/year>XXXX  and they claim that this loan belongs to me. I am not the account owner for the referenced loan. XXXX XXXX knows I am not the owner. Experian claims that they have verified me to be the owner. The owner has a different name and a different social security number. This loan is having a very negative impact on my ability to obtain any financing, and it is not my loan. Neither XXXX XXXX nor XXXX are reporting this particular account to belong to me, only XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

**Equifax keep reporting XXXX  XXXX XXXX {$240.00} acct # XXXX, XXXX XXXX XXXX acct XXXX {$1600.00}, XXXX XXXX acct XXXX XXXX {$1900.00}, XXXX XXXX acctXXXX {$190.00}, XXXX XXXX acct # XXXX {$710.00}. 

**XXXX keep reporting XXXX {$240.00} acct # XXXX, XXXX XXXX acct # XXXX {$1900.00}, XXXX XXXX acct # XXXX {$710.00}, XXXX XXXX acct XXXX {$190.00}, XXXX XXXX acct XXXX XXXX {$4100.00}. 

**XXXX keep reporting XXXX XXXX XXXX acct # XXXX {$710.00}, XXXX XXXX XXXX acct XXXX {$1600.00}, XXXX XXXX acct # XXXX {$1300.00}, XXXX XXXX acct XXXX {$190.00}, XXXX  XXXX acct # XXXX XXXX {$4100.00}. 

All these 3 bureaus has lied to me for over 5 months. They will tell you they have gotten contracts// back from these collection agency with my signature and never provided me with any documents, I request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that their offices give me this but they always lied and tell me " The information you disputed has been verified as accurate. '', I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, Equifax and XXXX are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have never heard none of these collection agency they're reporting. I told them since XXXX and all 3 of them lied to me and said they have proof but can't never show me. Please help me get all these collection agency deleted from bureau because its hurting me bad. I know they're getting paid but this a bad business to ruined consumers life knowingly you're not sending them sign contracts with their names on it.
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 name : XXXX XXXX XXXX in # XXXX, Account name : 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: Debt collection

1.Ive written and called Experian several times regarding this account. 
XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX {$690.00} For the past year since XX/XX/XXXX Ive been calling and disputing this inaccurate account to no avail. I recently disputed in XX/XX/XXXX. Experian has since sent a letter that theyve been sending for the past year. 
2. They sent an email and letter stating that the account in question was verified and validated by the creditor, yet theyve neglected to furnish me with the proper documentation.

3. Ive contacted them 3 times over the past 3 weeks, to advise them to delete this invalid account from my report. Still no avail, Im Am now preparing to start litigation process against Experian This account has been removed from XXXX as well. 
4. Lastly, I have a fraud alert placed in my credit profile, that indicates that anyone who runs my credit profile needs to call me and that was never done .Ive reached out to Experian several times to advise them on unauthorized account access.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Someone filed for some items in my name, so I called all Experian to inform them on what took place. Customer service would not help me, and take care of the negative inquiries reporting on my credit report! Ive also contacted the companies but I was informed that I would have to contact Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit reports on XX/XX/2023 from TransUnion and have identified unauthorized inquiries that have appeared on my TransUnion credit profiles XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not provide consent for these inquiries, nor do I have any affiliation with the entities or individuals responsible for them. As a result, I believe these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA requires credit reporting agencies to maintain accurate and up-to-date credit information, and unauthorized inquiries have the potential to negatively impact my creditworthiness.
Product: Credit card or prepaid card

I am being charged the {$180.00} that were refunded to me for fraudulent late fees on my account. I called and they said they were going to dispute it supposedly. So now I have a payment due the XXXX, which I am not paying. I was never sent any notice in regards to me having to pay this amount other than the email I received 3 days ago, which I find absolutely absurd when the due date is in 8 days. I dont even know WHY Im being charged the {$180.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITI BANK CLAIMS THAT I WAS LATE MAKING A PAYMENT FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX OF 2017 IN REF TO ACCOUNT # XXXX. THIS IS FALSE! I HAVE ATTACHED COPIES OF CHECKS THAT HAVE CLEARED MY BANK, WHICH PROVES MY PAYMENTS WERE DELIVERED ON TIME. I ALSO HAVE PROOF THAT I MADE MAY PAYMENT ONLINE AND ON TIME!
CITI BANK HAS REFUSED TO MAKE THE NECESSARY CHANGES AND CFPB HAVE SAT BACK AND ALLOWED THEM TO DO WHATEVER THEY WANT. I SUBMITTED A COMPLAINT TO CFPB WITH PROPER DOCUMENTATION AND CFPB DID NOT TAKE ANY ACTION ON BEHALF OF ME, THE CONSUMER, BUT STAYED MUTUAL AND REFUSED TO STEP UP! I HAVE BEEN BATTLING CITI CARDS ON THIS FOR SEVERAL WEEKS AND I 'M PISSED AS YOU CAN TELL! I MAY HAVE BETTER RESULTS WITH THE BBB!
Product: Money transfer, virtual currency, or money service

I tried to email and reach out about several transactions that were not approved by me and were sent to people I do not know and do not have listed as contacts I know. Several attempts were made to resolve and no body ever got back to me in any form of contact. I sent screen shot and several Emails with pictures of such transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to work with Experian ( along with XXXX ) to remove inaccuracies within my credit report, and they have continuously refused to even investigate my claims. Each time, I recieve a bogus, auto-generated response - even though I am sending PROOF that the claim is valid. Please see their email response below : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free '' There is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. 

Even so, I have sent these letters myself now on 4 occasions ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 ) .. the companies are ruining people 's lives and are not being held accountable. 

Thank you in advance for looking into these issues.
Product: Mortgage

# 1 - OCWEN continually wrongly asserts that I am behind in my payments. We entered into a Loan Modification Agreement XX/XX/XXXX. I made all trial payments ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) well ahead of time. I even have mediation documentation signed by an attorney representing OCWEN stating that I had made all trial payments. I have documentation of payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. By all accounts, I have overpaid by XXXX XXXX dollars. Yet, I am receiving notifications of being XXXX months behind in payments. All along, getting charged additional interest, late fees, and possibly reporting bad credit. 

# 2 - OCWEN inexplicably cancelled an automatic payment plan before it even started. On XX/XX/XXXX, I set up automatic payments to begin XX/XX/XXXX ( I have documentation ). When the payment did not come out of my bank account, I called OCWEN on XX/XX/XXXX to see why not. They said that the plan expired XX/XX/XXXX ... even though it never started ... and they had no explanation as to why. It is this type of operation that gets people in trouble with them. So, since my payment did not make it to OCWEN by XX/XX/XXXX, they now have charged me an additional {$19.00} to make the payment over the phone. 

# 3 - I requested that OCWEN perform a research investigation into my account XXXX days ago. They have yet to acknowledge the request ... let alone the results. 

I now believe that this is all intentional and predatory in nature.