23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

According to my credit report, WILLIAM & FUDGE INC is reporting misleading and deceptive information. WILLIAM & FUDGE INC is alleging I owe them {$10000.00}. WILLIAM & FUDGE INC has abused and deceived me into believing that I was obligated to pay this alleged debt. This alleged debt has been charged off via 1099 C cancellation of debt to the Internal Revenue Service by the original company. Now WILLIAM & FUDGE INC requires me to pay them. Furthermore WILLIAM & FUDGE INC then shares my nonpublic personal information, transactions and experiences with XXXX, XXXX, and XXXX without my consent furnishing inaccurate and deceptive information while tarnishing my character and general reputation. 

WILLIAM & FUDGE INC is in violation of Fair Debt Collection Practices Act, 15 U.S.C. 1692l ( d ), 1692o ; Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ).

It is illegal for WILLIAM & FUDGE INC to add this misleading and inaccurate account on my credit report. WILLIAM & FUDGE INC has been notified of ; the misleading and inaccurate information, my right to refuse to pay such alleged debt and to cease any further communication regarding the inaccurate information. WILLIAM &
FUDGE INC must cease ANY and ALL collection attempts in
regards to the alleged debts mentioned within.

Congress finds there is abundant evidence of the use of abusive, deceptive and unfair debt collection practices pursuant to 15 U.S.Code 1692. WILLIAM & FUDGE INC has strict liability and must comply with all statutes and regulations set forth. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX  ) - Proof of Claim
Product: Debt collection

this collection company is charging me this money from a Citi bank account that is not mine, call Citi bank and they do not have a record of me with them XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status CITIBANK N.A. 
Debt BuyeXXXX XX/XX/XXXX Collection account. {$9100.00} past due as of XXXX XXXX. 
XX/XX/XXXX {$9100.00} XXXX XXXX, XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms {$9100.00} {$9100.00} 1 Month Responsibility Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report in the name of MIDLAND CREDIT MANAGEMENT with an amount of {$3900.00} balance. This account is being PAID monthly. I wrote the bureau about the reporting and they are still reporting it as a derogatory and XXXX days late in XXXX when I made the payment for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX my information was affected in the XXXX Data Breach and my identity was stolen. I have had new open and closed accounts appear on my credit reports that is not mines and every time I dispute the incorrect information on my credit reports they are ignored by the credit Bureaus and the Creditors. I Have also filed multiple FTC Reports, and a police report with my nearest police station regarding this matter, that's why I am reaching out to the CFPB for this issue now. This has caused a hardship for my family and me. 

My XXXX XXXX credit report is the only credit reporting agency that is reporting the correct information besides the recent fraudulent inquires reported. I have uploaded my credit reports as of XX/XX/XXXX, along with my Real Identity info ( ID Card, SSN, Utility bill ) and Previous disputes letters that were recently ignored by the Credit Bureaus ( Experian, XXXX ) and Creditors. 


Experian along with the Creditors are reporting WRONG information such as accounts ( XXXX XXXX XXXX With the acct # XXXX with a high credit of XXXX XXXX XXXX  XXXX XXXX With the acct # XXXX with a high credit of ( XXXX ), ( XXXX XXXX XXXX XXXX XXXX acct # XXXX with a high credit of XXXX ) Experian is also reporting an address that I have never lived at before with is ( XXXX XXXX XXXXXXXX XXXX XXXX Texas XXXX XXXX which is also affecting my credit terribly. 

XXXX along with the Creditors are reporting WRONG information such as ( XXXX Acct # XXXX with a high credit of XXXX ), ( XXXX XXXX XXXX Acct XXXX XXXX XXXX a high credit of XXXX ), XXXX XXXX Acct XXXX XXXX with a high credit of XXXX ), ( XXXXXXXX XXXX Acct # XXXX with a high credit of XXXX ) Which should be deleted immediately due to my identity being compromised and being used by I don't know who.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received my credit report showing a inquiry from XXXX XXXX from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX or XXXX, my mother added me as an authorized signer to her XXXX/XXXX   card in order to help my credit. I have never made a purchase on the account, it was solely to help build my credit. It is being reported with me as a joint account holder rather than an authorized signer and is reporting to all 3 credit bureaus ruining my credit. I have disputed this information with XXXX and the collection department. They are unable to provide me with my signature on the terms/conditions, any signatures of purchases Ive made, or anything linking me to this account as joint. This was an error on XXXX and needs to be removed from my credit. Its unfair that they cant provide anything to show Im joint on this account and its abusive to allow it to affect my credit negatively when its not my debt. Ive asked for documentation with my signature on it and they sent statements. This needs to be resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

regions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX I have never given this company written consent or permission to access my consumer profile. i would lke them to remove immediatly requested my consumer report without my written consent/permission..
Product: Debt collection

I have contacted Jefferson Capital systems LLC, several times to stop harrasing and falsely reporting an alleged debt with a company that I never did business with, XXXX. This issue was settled and dismissed years ago but they have continued to harrass and unlawfully report and list on my credit report time and time again, this was removed from my credit report they they continue to report it time and time again in the last 3 years, just constant harrazment. I have threatened to report them to the FTC for trying to collect on a zombie debt that passed all time limitations. They also when I have complained they have sold this debt to other collection agencies for collection and the harrazment continues thank you XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 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. XXXX XXXX XXXX   XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX ;
Product: Credit reporting

I have disputed this unauthorized inquiry dated XXXX/XXXX/2016 on my Equifax credit report by XXXX XXXX multiple times and have provided a copy of the creditor 's request to remove the inquiry, yet Equifax refuses to remove the unauthorized inquiry. The creditor verified the inaccuracy via recorded phone call and thus have written a letter to Equifax and the other XXXX major Bureaus and Equifax is the only one who will not remove the inquiry despite of the creditor 's request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX several times requesting the information they are reporring on my credit report. They have refused to provide this information. I was receiving state health insurance at the time and the charges were paid for by the insurance company. This is why I want to see what was not covered and they refuse to provide this information. The company is extremely rude when you call
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has my XXXX XXXX XXXX card showing Negative and there has not been no late payment in over 18 months. Experian says on my report it will be XXXX before it goes positive. 

There should be no negative showing considering nothing been late in over 18 months FTC been file on Experian as well
Product: Credit reporting or other personal consumer reports

Im reaching out to dispute an error I noticed on my credit report regarding a late payment. The account was fully settled, yet it still appears as a late payment. Since this account was paid and settled as agreed, I believe the late payment status should be corrected. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Im entitled to have any inaccuracies investigated, and Id appreciate it if you could look into this and make the necessary updates.
Product: Debt collection

i saw a collection notice on my credit report and i called to make enquries and i was ask to pay certain amout before any infomation will be given to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX shows a late payment in XX/XX/2011 that is incorrect.
Product: Credit reporting or other personal consumer reports

Called experian friday XX/XX/XXXX and companies and no help
Product: Credit reporting or other personal consumer reports

I am putting XXXX, XXXX, transunion On second notice For the report of Fraudulent non public information on my report like transaction history and experiences which is excluded from Report via 15 us code 1681a ( i ) These accounts : XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Needs to be deleted from my report immediately I have opted out of all CRAs selling and sharing my non public information like these accounts above If accounts are not deleted swiftly then I will have no choice but to escalate this case to a default judgement
Product: Credit reporting, credit repair services, or other personal consumer reports

ATT OPENED AN ACCT IN  XXXX   XXXX . THIS ACCT WAS WAS OPENED FRAUDULENTLY WITHOUT PERMISSION OF MY INFORMATION. IT IS A CASE OF IDENTITY THEFT. THERE IS NOW A BALANCE SENT TO COLLECTION THAT IS HURTING MY CREDIT REPORT AND SCORE. I AM CURRENTLY TRYING TO FINALIZE A HOME LOAN AND AM UNABLE TO DO SO.     I CONTACTED  XXXX   XXXX / XXXX / XXXX  AND REVEALED THAT THIS ACCT IS NOT MINE. I WAS TOLD THAT THERE WAS AN INVESTIGATION ON IT DUE TO FRAUDULENT ACTIVITY. HOWEVER IT WAS CLOSED. I ASKED FOR IT TO BE REOPENED AND INVESTIGATED TO HAVE IT REMOVED FROM MY INFORMATION AND PULLED FROM COLLECTION. I WAS TOLD IT WOULD TA KE 5-10 BUSIN ESS DAYS TO BE RESOLVED.     I FOLLOWED-UP WITH A CALL TO   XXXX   ON  XXXX / XXXX / XXXX . THIS TIME I WAS TOLD THAT IT WOULD TAKE 21 DAYS TO BE RESOLVED. I TRIED EXPLAINING THAT I WAS TOLD DIFFERENTLY THAT IF THERE WAS ANYTHING TO BE DONE TO EXPEDITE IT SINCE IT WAS EFFECTING THE HOME LOAN PROCESS. " NO '' WAS THE ANSWER, UNWILLING TO EVEN BE FORTHCOMING IF ANYTHING COULD BE DONE.       Collection Agency   XXXX   XXXX   XXXX    O riginal Creditor   XXXX   XXXX     XXXX  Opened Date  XXXX   XXXX ,  XXXX  Balance {$3600.00}
Product: Debt collection

Not sure where this debt came from. I have no idea why Im being charged {$420.00} dollars from charter one bank, Please remove it from my credit report. 
I am hereby notifying you that the account on file is incorrect and I have not given charter one bank permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within XXXX  days of receiving this
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX XXXX and XXXX saw some hard inquiries that did not have permission purpose XXXX also attached evidence 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 XXXXhose inquiries has no permissible purpose to be on my report.Delete those inquiries due to violation of 15 USC 1668B Im a victim of fraud I want to remove all inquiries on my credit reports
Product: Mortgage

I was approved for loan modification on XXXX and still got evicted on XX/XX/XXXX. I was current with the monthly mortgage and Wells Fargo returned my check from XXXX to XXXX up to the eviction date. 
Wells Fargo did was no help at all.
Product: Debt collection

On XX/XX/2019, I woke up with a knock on my door from two local law enforcement officers. They informed me that a family member had called in and wanted someone to stop by the house to " check on me '' after several family members had received several calls from a lady named, XXXX XXXX, who was requesting to verify my identity information such as my SSN, location, employment whereabouts, and other identifying factors. 

Immediately, I retrieved my phone and had several text messages from my dad, sister, and brother who had all received calls and voicemails from this individual stating that she was needing this information. My brother reported that he was contacted by her twice. 
I, myself, also had one missed call and voicemail from Ms. XXXX postmarked at XXXX on XXXX XXXX. She at time, threatened, that she needed to verify my information through a third party including my previous employer if unable to contact me and shortly began harassing my family members for information thereafter. I'm uncertain if she contacted my employer or not as that is the employer I no longer work with, When I contacted Ms. XXXX, she informed me that she was a representative with XXXX XXXX XXXX XXXX who was assisting a debt collector, XXXX XXXX XXXX, to obtain some past due money owed to an original creditor called Balance Credit. She informed that I should've received a letter from her agency in which I did not. She also threatened that a certain amount was owed or a judgement would be pursued against me. 

Her whole approach appeared to be threatening and harrassing in nature in order to obtain funds. She informed me the only way to stop the judgement would be to set up a payment arrangement through her. 

I have no issue paying my past dues if I would have received information from the original creditor and I have not. 

I feel my rights were extremely violated and that threatening and harassing means were utilized in order to obtain a debt which not only impacted myself but also caused extreme fear, stress, and worry in my family who had no idea what was going on.
Product: Credit reporting or other personal consumer reports

You entered false information on my credit report. You are reporting me as 180 days late for XX/XX/year> and XX/XX/year> for my auto loan with Toyota but I was not late on my monthly payments to Toyota during these months. I had already paid Toyota the remaining balance for this vehicle during my Chapter XXXX Bankruptcy. I did not receive a discharge before my Chapter XXXX was dismissed, but this account was paid off as the attached official bankruptcy documents confirm. I did not owe the monthly auto payments in XX/XX/year> or XX/XX/year>.
Product: Credit card or prepaid card

On Friday morning XX/XX/2018 I tried to make a payment on my XXXX XXXX credit card. I tried using XXXX web browser and received a message that the data was not encrypted properly and attackers would be able to steal my information. I have been making my credit card payments in the same way for the last year and never had this problem. I called the company and was told to use XXXX XXXX as the web browser. I got the same message from that browser. I called the company back and was simply told they are not aware of any problems. The customer service person stated there was nothing wrong with the company web site or security. The person didn't even want to forward my information to IT. The company should look into the insecurity of their system and advise customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing with equifax for several months about an account that was fraudulently opened on my credit profile. the account is with XXXX. i attached my ftc affidavit as requested and equifax continues to say the account is verified to be mine/accurate. this account being reported as a charge off is damaging my credit and is preventing me from obtaining lower interest rates on future lines of credit! equifax did handle this investigation properly and also violated the fcra by not deleting the account from my credit report. this has caused so much emotional distress!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX XXXX, XXXX and XXXX XXXX XXXX. are reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX, LLC- XX/XX/2022 Original Creditor : XXXX XXXX XXXX - OPEN Balance {$950.00}. 
Acct Status : OPEN. 
Remarks : Account info disputed, meets FCRA requirements. 

According to FCRA Law an account can not be reporting Open and In Collection at the same time.
Product: Credit reporting or other personal consumer reports

I am in disagreement with this account listed here which still appears on my credit report, even after your investigation. i would like this account immediately re investigated. The inaccuracies are highly injurious to my credit score. 

XXXX account XXXX In accordance with the fair reporting act, public law XXXX, titleIV, section XXXX please provide the names and business addresses of each individual with whom you verifed above so i can follow up. Please send a updted copy of my credit report after your reinvestigation.
Product: Debt collection

Ncb mtg services keeps calling me at work. Their number is XXXX. I can't take these calls
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cas

h App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit card or prepaid card

I only use my walmart store card to keep from having it cancelled. My sons a college student had his card cancelled for non use. I made a small purchase in XX/XX/XXXX and paid it off. Made another small purchase in XX/XX/XXXX and thought i paid it off online via wlamart.com but that seemed not to work i didn't receive a statment after that probably the mail courier.i have an apartment style mailbox system where i live. Nevertheless. So i thought all was good until credit sesame showed a past due report.i was out of town at the time. so i immediately searched walmarts payment site and paid the account in full. I also noticed that my {$400.00} account had been reduced to a mere {$110.00} just {$9.00} short of my now due payment which included aprox. {$60.00} in past due fees. So it appears that i maxed out the account by a $ 30- {$40.00} purchase. My credit dropped 47 score points from XXXX down to XXXX. From excellent to a fair rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXXEquifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following account completely from my Credit Reports : XXXX XXXX XXXX : {$49.00}
Product: Credit reporting or other personal consumer reports

A charge was out on my credit report by an apartment complex in XX/XX/year>. I tried disputing several times as it doesnt belong to me. That balance was around {$5000.00} or a little over. Since then, another company is not reaching out and the amount is over {$9000.00} but is telling me is I settle the debt they will only charge me half of that amount. I do not know this other company. Neither did I give anyone permission to give to another source. They are now emailing me and mailing letters. Can you please help get this removed
Product: Credit card or prepaid card

Sears Citicard changed their terms and conditions in XX/XX/XXXX on a credit card I opened in XX/XX/XXXX. I was informed on XX/XX/XXXX that this update meant that they could soft pull my credit and lower my credit limit as a result. I have been working hard to pay this card down. They lowered my credit limit from {$970.00} to {$450.00} after I made a big payment and was told my credit limit would not be lowered. This credit card is keeping my credit utilization reported at 89 % ; thereby negatively reflecting my credit history. It should be positively affecting my credit history if I am making consecutive, big payments. My credit limit is now {$51.00} from the maximum instead of {$650.00}, even though I have no delinquencies for this account on my credit. I was told by the supervisor, XXXX that if I pay it down more, it will likely lower my credit limit. This appears to be discriminatory in that they are lowering my limit every time I make a payment. They are also continuing to make my credit history look poor by keeping my credit utilization at a high percentage despite my making high payments that are on time. These practices appear unethical and punitive when I am honoring my part of the agreement with my credit card. If they close my account as soon as I pay it off, they are further harming my credit, even though I followed all of the rules. I would like this reviewed for unethical conduct and I would like the person who directly lied to me about my credit limit not being lowered to be researched. I made sacrifices in order to make such a heavy payment and I could have made this to a card that was not going to consequence me for doing the right thing.