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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXXXXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled Out An application Back In XXXX XXXX. 
My Step dad also filled out an Application. 
The car lot Man name XXXX, commutation to my That my credit were bad. 
He told me that I did not get approve for the loan. 
A week from that I got that loan denied letter in the mail. 
Miss place my papers. 
I have requested paper from the Company that said they can not prove me no papers.

Three Months ago I visit the car lot. 
XXXX ask me why are the loan on your credit you did not get approve for that loan, Our Step dad got approve. 
I need them to remove off my credit if they can not provide my denied loan letter.
Product: Credit reporting or other personal consumer reports

recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX I was never been late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced acount and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX, XXXX, Equifax, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the Equifax data breech. XXXX, Equifax, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Product: Credit reporting or other personal consumer reports

On XXXX, I sent dispute letters to XXXX, XXXX, and XXXX - requesting the verification of several inaccurate accounts reporting in my credit reports. I also sent a request for debt validation to Jefferson Capital Systems for a collection appearing in my credit reports that I am not aware of. In XXXX, XXXX sent me the dispute results showing that 2 accounts have been removed from my XXXX report but, as of today ( XX/XX/year> ) XXXX, XXXX, and Jefferson Capital Systems have not responded. This is a clear violation of the 30 days these companies have to complete my dispute requests in accordance with the FCRA and the 30 days that Jefferson Capital Systems has to complete and respond to my request for debt validation documents per the FDCPA.
Product: Credit reporting or other personal consumer reports

I have fraudulent addresses on my credit report : A ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX The one and ONLY correct address for me is XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. Please see my documents in the attachments. Also please update my phone number and email. My current phone number is ( XXXX ) XXXX. My email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I find many inquiry which i did n't authorize on my credit report and which i did n't know of them putting inquiry on my report, try to contact them with sending them letter they all telling me that they do n't have any file under my name or account under my name. I did call tans-union to let them know about the inquiry issue on my credit report and the representative did n't want to remove those. That why Im complaining here are all the inquiry 's - XXXX XXXX XXXX : inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX Inquiry XX/XX/XXXX - XXXX Inquiry XX/XX/XXXX -- XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX Inquiry : XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX
Product: Debt collection

I am writing to formally dispute a debt that Jefferson Capital Systems claims I owe. I have previously requested validation of this debt, yet the company has failed to provide the legally required proof that I am responsible for the alleged obligation. Furthermore, this debt is beyond the statute of limitations. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( XXXX U.S.C. XXXX ), I am entitled to verification of the debt, which requires more than a mere account statement or past-due bill. A debt collector must provide documentation proving : -That the debt is valid and legally enforceable, including a contract or agreement bearing my signature. 
-A detailed account history, including payments made and how the balance was calculated. 
-That Jefferson Capital Systems has the legal right to collect the debt. 

To date, the company has failed to meet these requirements. Additionally, I am aware that the statute of limitations for this type of debt in Oklahoma has expired, meaning I am no longer legally obligated to pay it. Attempting to collect on a time-barred debt, particularly through misleading or deceptive means, may constitute a violation of the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX and XXXX ) and the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) if it is inaccurately reported to credit bureaus.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the third time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( 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 an update of the following erroneous information on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I checked my credit report on XXXX/XXXX/XXXX and noticed a debt collection agency was on there. I have NO clue what this is, so I contact XXXX. They tell me to contact the agency. I have NEVER been given written or verbal notice that I even owed this debt. XX/XX/XXXX, I made a trip to my local XXXX. and was issued a bill. I was given a verbal arrangement via phone with the billing department that I could make payments. I was issued a monthly bill and paid regularly until XXXX when I stopped receiving the monthly statements. I assumed the bill was paid in full at that time. I contacted XXXX Hospital billing department on XXXX/XXXX/XXXX, since that is where the debt originated. I was informed that the debt was taken over by a collection agency called XXXX in XXXX. I had absolutely NO notice that this was taking place! I only learned about it yesterday, because I checked my credit report. I have NEVER been contacted by IMC, nor was I given notice by XXXX Hospital that they were giving my debt to a collection agency. Again, I thought the bill had been paid in full because I stopped receiving anything from XXXX Hospital. How can this happen and be placed on someone 's report without their knowledge? I have lived at the same address since XX/XX/XXXX and have had the same phone # for just as long. There can not be an excuse of not being able to contact me! Furthermore, it has apparently been sitting there for 3 years now. How do I go about getting this resolved?
Product: Consumer Loan

Early morning XXXX/XXXX/2016 I came outside to go to work and my car was gone. I currently have a loan with Bridgecrest financial formerly XXXX. I had to wait until XXXX cst to contact their offices in Arizona I spoke to the redemptions department a gentleman named XXXX who informed me that my car was repossessed I was in shock when I have been making payments and arrangements every two weeks with an account manager and had a current documented arrangement for XXXX/XXXX/2016 He then advised me they will have to look into the issue and call me back. About an hour later I received a callback from XXXX who advised that what I said was true the call with the previous agent I made arrangements with was pulled. So the company admitted to wrongfully repossessing my car sighting it as an " system error ''. I was then advised they would pay all fees but I would have to go get my car I advised that is unacceptable and it should be brought back to me since I had no means of transportation. I was then told it could take up to XXXX10 business days to bring back my car that they wrongfully repossessed. I was upset and at the mercy of the lien holder I missed a whole day of work and had to pay XXXX dollars to take a cab an hour away to retrieve my car they wrongfully repossessed. I want to be compensated for the time I missed and money I lost because of their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Chase, I am hereby requesting you provide all three credit bureaus a letter and send a copy of said letter to my address below informing them to remove the hard inquiry from my credit report for the XXXX XXXX XXXX XXXX that has been closed but that was opened in my name that ended in XXXX and that I reported given this account was opened in my name without my permission. 

I would greatly appreciate this. 

Thank you so much. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX Warm Regards, XXXX XXXX
Product: Checking or savings account

TCF was the bank that I had my small buisness account with for the last 4 years, they have recently went to online digital banking and so when I pull up my account to watch funds I see a running balance, that is not accurate, they hold funds and then they return checks even while the funds are there. They recently the week of XX/XX/XXXX thru XX/XX/XXXX paid and returned 90 percent of my payroll checks, even while having funds in there, I had employees say that they had the funds and then the money was taken away 4-5 days after the fact. It has cost me from TCF as well as abank charges that my employees incurred. The management at the bank could not even make sense of why there were so many returns, I think these banks are taking advantage of people. It saddens me, and I went and closed the account, but in the end over 4 years, they have cost me around 3000.00 in return fees, that there is no reason things should have been returned, there needs to be better laws on these instutitions. 

Shameful XXXX XXXX
Product: Mortgage

I processed my monthly payment with additional payment attached to it. When I applied the additional payment it auto-enrolled me in auto pay. I did not want to be included in auto pay, and it subsequently cancelled my processed payment. It did not alert me of this cancellation, and I was never notified for 30 days that my payment had never processed. It was reported to the credit agencies even though I paid it immediately upon being contacted. I explained to the support team what transpired and the confirmed they say the additional payment and transaction on the site. They agreeded they were aware of the automatic enrollment in auto pay even though that is not what should happen. They refused to fix this or work with me. They told me to report it to the credit bureau which I did and then they failed to fix it with the credit bureau. I have made every payment on time. Before and after that. It has effected my refinance options and credit score significantly negatively impacting my life with hiked interest rates for other financed things. I am pleading that these things get resolved as I am not deserving of this demerit. Thank you.
Product: Student loan

I received communication that MOHELA was transitioning to a new platform. There were a few things, none had ANY mention of being placed in a forbearance for the time period, or automatic payments not being made during this time. Come XX/XX/XXXX that my " repayment schedule changed '' so I called. I was told that I was being placed in a new type of repayment and I was very confused, I am in the level payment schedule and not in any type of IDR or any of that sort. I asked when my loans would start pulling from my autopay, and they did know, but I could keep an eye on it myself. 
XX/XX/XXXX I get an email that I have 45 days before my forbearance ends. 
Again, I was not told of any forbearance. I dont know how it is LEGAL to not pull autopayments and place loans in forbearance and STILL COLLECT INTEREST. 
Then, my account transitioned to a new online platform ( XX/XX/XXXX ) XXXX went in on XX/XX/XXXX and updated my autopay option, as I saw it was gone, and was not told it would need to be re-done after that transition. I made my own payments in XXXX and XXXX. XX/XX/XXXX, I get an email my payment is due soon, but I had to manually make my XXXX payment. 

Then on XXXX, I got an email saying that my payment was due soon. I opened it and it says my payment is due XX/XX/XXXX. XXXX? In XXXX? When is it being pulled? I have gotten either NO information or incorrect information ever since transitioning to MOHELA in general, and it has gotten much worse since moving to a new platform.
Product: Credit reporting or other personal consumer reports

Experian FAILURE TO RESPOND to XX/XX/2024 dispute. Experian FAILURE TO FOLLOW FCRA laws governed to protect consumers. Allowed investigation time has passed according to law. Can you investigate Experian please. 

Please attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern,
  
  I am having significant trouble with the customer service of Wells Fargo & Company ("WFC") and having even more trouble with WFC recognizing my consumer rights.
  
  By way of background, WFC has been reporting a number of false records to my credit report, including but not limited to reporting my living address as   XXXX   XXXX   XXXX   XXXX   as well as failing to report debts as in dispute - potentially in retaliation for me contacting the CFPB, OCC, and other regulators concerning illegal marketing practices of WFC.
  
  To follow up on my previous concerns, WFC claims that their current submissions to my credit report abide by the Fair Credit Reporting Act ("FCRA") but nothing could be further from the truth. Indeed, WFC has submitted different information concerning loans that look identical to different credit reporting agencies. The records and information submitted to  XXXX  and     XXXX   are not only not supported but also conflict with each other - raising serious concerns as to what information WFC is reporting on consumers and what process they use to verify that information.
  
  For my personal situation,  XXXX  reports that a WE EFC loan with an amount of  XXXX  was opened on      XXXX   XXXX   XXXX     . However,    XXXX    reports a similar, although not identical loan of   XXXX     wa  s opened on     XXXX   XXXX   XXXX    .
  
  I would like to know, why WFC company is reporting similarly looking loans with conflicting information and produce a detailed report of how WFC reports "open dates" and what information is being reported to credit bureaus. I want to know if the information reported to credit bureaus is backed up with a written and valid consumer contract. As well as WFC to clarify whether these two accounts are referencing one loan or they are two different loans.
  
  The above instance of conflicting information is just one example, I would like WFC to clarify why for at least the past 3 years they have reported conflicting and different information to credit reports that do match associated consumer contracts. I have attached a number of screenshots for your review.
Product: Credit reporting or other personal consumer reports

XXXX has yet to provide proof of the Deletion of XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I've asked this company to stop calling me and take me off their calling list. They wanted to ask for my date of birth and social security number. I politely refused to give them that information. I have asked numerous of times to stop calling me. They just still keep on calling.