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

I learned last week, that XXXX XXXX has listed my prior loan with them as unpaid, they marked 7 late payments and my credit score is so low, I can not get a loan. I also come to find out they archived my information when speaking to XXXX in XXXX XXXX, therefore, I now know why when I inquired about issues I researched with my car, or other ones at the time, I was exluded and told my model wasn't a part of this. As a matter of fact in most cases my car doens n't exist to anything I would have had compensation or recall repair to. The main issue at hand however, is the false information, and the fact that illegally I was sent correspondence about the repossessoin ( after 3 months in which I admit I defaulted but due to complications from a prior accident ). So 7 late payments is wrong. Further, in the State of California, you are allowed to restore your status one in a twelve month period before they can make you pay the entire loan. You may do this twice in the lifetime of the loan. I was not given this opportunity, and even thought I fought them about it, the bottom line was, they had me by the XXXX cause they had my car. So I paid {>= $1,000,000} which included all these fees and yet they have {$17000.00} XXXX not exact amount ) showing like I walked away from this. The impact on my credit score is worth over 125 points for sure, but possibly 200 because of their false number of missed  payments. What really happened was I negotiated with them to remove the entire issue in return of not suing them for forcibly making me pay close to {$20000.00} with no sympathy that I had been hospitalized. I get missing payments and late fees, I do not get when a fellow human being treats you this way. Furthermore, when I called Thursday XXXX, they were not even willing to write me a simple letter I could use for a finance lender or dealership that would have at least mentioned I wasn't some delinquent who ran from {$17000.00} which was actually closer to {$20000.00}. I wired the money by their demand to their credit dept in XXXX, IL who in turn waited almost a year to send my title back. this is my evidence of ownership signed off straight by XXXX XXXX. So they went and added 7 missed payments when it was 3, which includes the month and a half they negotiated not to do anything like this. And left me hanging. I can not get into my Experian, there is no one to talk to, it bounces me back and forth and their phone has NO WAY to talk to a human, and I'm just so happy everyone had a great XXXX, while my granddaughter and I sat inside and have to walk until something is resolved. a XXXX score which is a lower score than this error would help my credit score, and I would have at least had a loan with a high APR which I will do in a heartbeat. This is COVID-19. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And now this? Both my jobs depend on this. Oh and by the way, I have a XXXX job that pays me nothing. Reaching out to homeless, hungry, and kids that have no resources during this time. I can not do any of this until this is resolved!
Product: Bank account or service

Wells Fargo continues to be a predatory company charging insane overdraft fees and manipulating data in order to continue charging fee after fee. They say they will only charge XXXX fees a day, so they will not post transactions until the next day in order to be able to charge extra fees. They will post debit transactions next day, in order to gain those fees. They will change the wording of card swipe transactions to say " reoccurring '' in order to get around the fact that you have opted out of overdraft protection. I am completely stuck and have been charged XXXX in overdraft fees in a weeks time. I have asked nicely for some fees to be refunded but they refuse. I have opted out of allowing them to cover my charges so that I do n't have to pay the overdraft amount, plus the fee, but there is nothing I can do to stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. After reviewing my credit report, I found several items that are not accurate and require immediate attention. 

Firstly, I have no recollection of authorizing the following credit pulls, and I demand their removal : XXXX XXXXXXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX Secondly, I would like to bring to your attention that some of the inquiries have reached the statute of limitations and should be removed. These inquiries include : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX  : Date of inquiry : XX/XX/XXXX Furthermore, I dispute the following items that are not accurate : XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX  : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX XXXX XXXX Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX XXXX XXXXXXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
I respectfully request that you investigate these inaccuracies and make the necessary corrections to my credit report. Please notify me in writing of the actions taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2021, I consumer XXXX XXXX sent XXXX XXXX a cease and desist letter to desist their illegal activies. In that letter, I also demanded an audit trail of the account. XXXX XXXX have not responded to my letter or sent the requested documents or any documents. XXXX XXXX is impeding in my ability to exercise my rights and to receive remedy pursuant to TILA.
Product: Vehicle loan or lease

I recently sent a letter on XXXX XXXX asking Hyundai finance to update my payment history because I was never late on a payment please update this incorrect information to payed as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled into a student loan consolidation company in XX/XX/2018 which was called The XXXX XXXX XXXX. I supplied the XXXX  with all necessary documentation to consolidate my student loans along with my bank information to make monthly payments to the XXXX while they consolidated my loans. XXXX  was to pay minimum balances on student loans and or place them on hold or in a forbearance until the consolidation process was complete which I was told by XXXX  would take up to 6 months. Fast forward to XX/XX/2018 I pulled my credit to find out XXXX  did not make any payments to my student loans causing them to default. XXXX  also changed all of the my contact information to their contact information therefore I was not notified. I discussed this issue with XXXX   and they agreed it was an error on their part and even submitted an " At Fault '' letter to all 3 credit agencies and the credit agencies have denied removing the negative remark on my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and my credit report has inaccurate infomation, accounts I never authorized and inquires I never authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureaus are reporting inaccurate information on CHRYSLER CAPITAL ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report ; XXXX ( XXXX XXXX XXXX  ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX  ( XXXX ). I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of may rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from XXXXXXXX XXXX on XX/XX/2022 to confirm that I applied for credit because I have a fraud alert on my credit report. I told them that I didn't and then I checked my XXXX ID Works activity by logging on to the website I logged into the website and saw that there are 5 inquiries in an attempt to obtain credit in my name : XX/XX/2022 - Transunion - XXXX XXXX XX/XX/2022- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are all fraudulent attempts to get credit in my name so I worked with an XXXX agent to try to get these inquiries removed and work with the credit companies to NOT issue credit. Now I need these hard inquiries removed. 

I also placed a freeze on all my credit reports to prevent further identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not had a proper investigation. I want a fair accurate report. my name is XXXX XXXX and I pulled my credit report back in XXXX last year. I been fighting with the creditors and credit bureaus for going on 6 months. I still have inquires That I didn't make, and accounts that'd reporting inaccurate information. 

I did not make these inquires XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ELECTRONMER. 

I NEVER MADE ANY OF THESE INQUIRYS. 


Second there have been accounts that was deleted that was put back on my report without notifying me. That's unethical and its violating the law per fcra. 
XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Third there are accounts on my report that has not been properly verified. 
I received no proof.
Product: Credit card or prepaid card

Hello, My credit crad limit was decreased. It hurt my credit tremendously. I went into the store one day to use it and my limit was lowered.
Product: Vehicle loan or lease

My car was totaled in XX/XX/year>. Progressive insurance paid the estimated value of the claim in mid XX/XX/year>, it was not applied until XX/XX/year>. I have contacted the XXXX insurance company XXXX and was told that they are waiting on information from Bridgecrest. Bridgecrest is still trying to collect bi-weekly payments on the car while also delaying taking the steps to close out the claim.
Product: Credit card

to whom this may concern, on the date of XX/XX/ i opened a new credit card with Syncrony ( Syncrony car car ) they are to report to all CRA 's on on the date of XXXX each month, However did not report this information of the status of my account on for month XX/XX/. 

I contacted the office on XX/XX/ the rep stated she would have this resolved however reported the account of the status on what it was on that date of XX/XX/ at XXXX balance. 

After noticing what happened on the decreased points on my credit file i contacted the reps at Syncrony bank back and advised the following the account was opened on XX/XX/, the reporting of XXXX XXXX never reflecting the balance at the time of {$5.00}. The amount of was paid in between the time i called on XX/XX/. I have advised several time they need to report the corrected amount for the month of XXXX however they are refusing to do so. 

This is violation of the fair credit act, due to this error my credit has taken a down fall of XXXX points. I have spoke with several reps and nothing has been done about this. 

due the recent hit on my credit i also was denied a new credit card with syncrony in hopes to do XXXX shopping with Ashley furniture, I have no idea until the sales rep pointed out why. 

the expectation is that my credit needs to be corrected with the correct information showing activity on XXXX and also XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and I have reported fraudulent accounts to Transunion, to remove account. I have provided copies of my US Identification, social security card, FTC report and Police Report.
Product: Debt collection

The FDCPA forbids the harsh, dishonest, and unjust techniques that this debt collector used. They provided this account, which I did not sign and on which we did not agree. I did not take part in any of the signings that two parties make in a legal contract. Furthermore, they didn't follow the right 5-step validation process, which makes their actions unjust. I am entitled to {$1000.00} under the FDCPA for each breach, and it is obvious that my rights were infringed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage. XXXX Payment made on the XXXX. They didn't post till XX/XX/XXXX. XXXX. Contacted them to dispute. No success. 

In accordance to the Fair Credit Reporting act Freedom Mortgage has violated my rights. 
Under 15 USC 1681 Section 602 states I have the rights to privacy.

Under 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor can not treat a payment on an account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

In XXXX of 2022 I sent a certified letter requesting more information about the account including a document signed by me agreeing to open the account that is dated. They never responded and they still have the account wrongfully listed on my credit report.
Product: Debt collection

Three years ago I received services at XXXX Hospital. I was never sent any bills stating that I owe them money. On my credit report it showed that I had an account in collection from XXXX XXXX XXXX XXXX. Now it shows on my account as a new collection as of XX/XX/2019. It states that my old collection has been sold to Nationwide Recovery and it appears that they have re-aged my collection information. 

I have not received any information that this account was sold.
Product: Checking or savings account

On XX/XX/2023, multiple attempts were made to access my savings account in XXXX Florida. At a XXXX located XXXX XXXX XXXX XXXX, {$400.00} was withdrawn from my account. I immediately contacted Suncoast Credit Union & reported the unauthorized transaction on XX/XX/XXXX. Suncoast Credit Union told me between XXXX business days I would have my funds reimbursed into my account. On XX/XX/XXXX I contacted SCU and the bank stated there wasnt any updates on my dispute & by the end of the day I would have a response from their dispute department and I received no such communication. On XX/XX/2023 I once again reached out to SCU and they stated that it would not be a guarantee that I would be issued a refund. & that I should contact the ATM Company who allowed this withdrawal. I want it noted that I do NOT live in XXXX Florida. I live in XXXX Florida and all of my last recent transactions were in XXXX.
Product: Student loan

My loan servicer is Navient. I received payment from my employer ( XXXX ) for last year to go to XXXX of my higher interest loans but they spread the payments out to all of my loans. I have called then multiple time ( probably 5 or 6 ) to get this straightened out. I finally got the money applied to the appropriate loan, but now I 'm not sure how much extra interest was added to the loan due to them failing to apply my payments to it. Is there anyway to find out if I was charged extra interest due to their disregard for my payment instructions?
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Rash Curtis reported a bill from XXXX in XXXX as " in Collection '' as of XXXX. There was no detail about the bill except that the services were from XXXX which turned out to be incorrect. I called XXXX in XXXX on XXXX/XXXX/XXXX. XXXX reviewed my account and advised that the bill was paid in full by the insurance company on XXXX/XXXX/XXXX. There is no patient portion due. Here are more details : Date of Service : XXXX/XXXX/XXXX, amount XXXX. This went to collection on XXXX/XXXX/XXXX and was paid in full by XXXX XXXX on XXXX/XXXX/XXXX. XXXX advised that XXXX year ago they changed collection agencies and hired Rash Curtis. Rash Curtis reported everything to the credit bureaus regardless of account status. In other words, even though my account was at XXXX balance as on XXXX/XXXX/XXXX, Rash Curtis reported this as in collection because it had been in collection at XXXX time. I ca n't imagine how many people will look at their credit report XXXX day and see this incorrect report even though Rash Curtis knows that they need to review all of XXXX in XXXX accounts to ensure the amount is truly overdue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : 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 or other personal consumer reports

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Product: Credit card or prepaid card

It's been months now and netspend won't unlock my account. They had no reason to do so. This is like the 5th or 6th time they have done this. I did not report my card stolen or did I put in any wrong passwords or was there any unauthorized purchases to my knowledge. I'm tired of this and want it unlocked immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent police reports and identity theft affadavit to equifax due to severe identity theft and fraud of my personal information. Equifax has a identity theft flag on my account, despite that they have continued to allow multiple inquiries and possible new accounts on my credit. Since XXXX of this year there have been well over 15 in a 4 day time period. When they were informed of the identity theft they had me take numerous steps to have my personal information saved and my credit information file fixed, they said that by completed all the steps ( police reports, affadavits, letters ) that they would place a fraud alert on my file and I would not have to worry about this type of activity. However this is not the case. There continues to be fraudulent activity with no safeguards for me, the consumer. 

These are the inquiries that were placed on my credit file Credit Unions XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing Auto XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXXXXXX XXXX XXXX  Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX   XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018
Product: Debt collection

the company ENHANCED RECOVERY CORP is currenty reporting a collection account on my credit file that i have no knowledge of. I was never sent a DV before they decided to report on my credit file. This is not my account and i do n't know why they are reporting this debt on my credit file