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

On XX/XX/2024 I sent TransUnion and XXXX a letter to remove inaccurate information from my credit report. Per the FCRA, they are required to do a reasonable investigation within 30 days of receipt of this letter. I have yet to receive an update and they have failed to remove the inaccurate information from my credit report. 

My letter to both companies states : I recently pulled a copy of my credit report dated XX/XX/2024 and I noticed an account that no longer belongs on my report. This account is part of a Class action Settlement Lawsuit that I am a part of, I demand that this account be REMOVED immediately. XXXX XXXX violated UCC Code by : False reporting to a credit bureaus. Ally was involved in a $ XXXX Class Action Lawsuit and there was a judgement passed down stating that any derogatory information associated with this company has to be removed from consumer records and there was also predatory lending and unfair treatment of consumers. This account has stopped me from getting approved for a mortgage and other credit extensions. 

I am listing this account below in case you need to verify it prior to REMOVING it. 
1. XXXX XXXX  2. Account Number : XXXX 3. Reason for dispute : This account is to be deleted by grantor because of a class action lawsuit.

4. REMOVE FROM MY REPORT -15 U.S. Code 1681 is a section of the U.S. Code that includes congressional findings and a statement of purpose. The section includes the following findings : The banking system depends on fair and accurate credit reporting.

Inaccurate credit reports can impair the banking system 's efficiency.

Unfair credit reporting methods can undermine public confidence in the banking system.

-As per the UCC , 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

-As per the FCRA, you are required to do a reasonable investigation within 30 days of receipt of this letter.

I hope that your company will take this serious so that I don't have to make further complaints. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid in full the account in Collection with Credit Management regarding XXXX XXXX. The account is still listed in collection. An account in collection is A DELINQUENT OR PAST-DUE ACCOUNT transferred from routine account to the collection department ( or a collection agency ). Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE. 
This debt is not longer in collection, reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$690.00} XXXX XXXX XXXX - XX/XX/XXXX - {$680.00} XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$720.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX {$890.00} XXXX  - XXXX - XX/XX/XXXX - {$530.00} XXXX - XXXX - XX/XX/XXXX - {$28.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$2800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX - XXXX - XX/XX/XXXX - {$4200.00} XXXX / XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX  - XXXX - XX/XX/XXXX - {$210.00} XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I has a car loan with Wells Fargo back in XXXX when I purchased my first car however it was a nightmare I had gap insurace well my car was repossessed by Wells Fargo auto finance I always had fees or late charges added to the account I was never late as they would pull from my Wells Fargo account I have had negative credit reporting and resulting in my having to file for Bankrupcy in XXXX
Product: Credit reporting

I have been disputing with equifax incorrect information that is reporting on my credit report in regards to my XXXX charge account. Currently it is reporting as potentially negative with a 30 day late payment and a deragatory remark. This information is incorrect. I am attaching additional information from XXXX 's stating that this account was not paid 30 days late and they were going to notify the credit reporting agency 's of the changes to be made. I have been disputing this as far back as XXXX of 2016. Today I received another letter dated XXXX/XXXX/2016 supporting my dispute. This account should be reporting as accounts that are in good standing and the deragatory remark removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion opened my information and have people posting trash on my record. Every fake, none sense and outdated account they presented for collection, TransUnion say sure, put it in. When I make a dispute, TransUnion denied my request, and said that they are his partner or the bills are correct as it is. For example, {$15000.00} from XXXX XXXX XXXX XXXX. I was I there for about two months and the apartment has snakes and molds, so I moved out with notice. And I notified the court of clerks. XXXX XXXX XXXX pretending that they got me evicted. I never received and eviction paperwork. I checked with the clerk of court, the clerk of court said they brought a paperwork for eviction, I was already moved out. Also, the clerk of court said the do not no about the lawsuits of {$15000.00}. The owner abuse his power to abused me. I hand up lost all the money from my saving, and my job to leave in motel as a homeless. I am seeking financial damages from TransUnion Again, a XXXX XXXX XXXX that closed due to data breaches. TransUnion help them post it so many time with a creation of new account number. I do not owe that debt. Someone else was shopping on my name while I was shopping for furniture online.
Product: Debt collection

Citibank/Citigroup has been contacting me for several months trying to reach my ex husband. We have been divorced for years. I have repeatedly asked them to stop, and to remove my number. I have told them he is likely in jail, but I have absolutely no contact with him. Today they called from a different number and I told them I was filing a complaint and contacting an attorney.
Product: Credit reporting or other personal consumer reports

Unauthorized credit inquiries obtained by the following companies : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Debt collection

malice prosecutor, not at good faith. I had an old credit debts was open in XX/XX/2008 and paid off closed on XXXX XXXX now I debt collector XXXX XXXX XXXX XXXX, l sue which I asked them with signature open that account they can not show cause they no prove. I went court I told the judge without prove of my signature open an account for $ XXXX.it is not mind. they said all fees including. I show prove from credit burau where I had an account with bank of America and account where paid and closed. they said, they are the one who paid it. case was disposed. two years later they are tried to garnished my money. I went to court garnishment dissolved. now they tried again recently garnishment dissolve. I told them show me where did I open that account with my signature. and for last, they have tree different account
Product: Credit reporting or other personal consumer reports

FCRA 605B requires us to delete any incorrect accounts from my credit report. Can you please review the documents? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX AND XXXX. ( Please see page 22 of the attached credit report. ) These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Debt collection

BARCLAYS BANK DELAWARE has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe BARCLAYS BANK DELAWARE any alleged debt and would like them to provide proof of claim with authenticated verification. BARCLAYS BANK DELAWARE has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes. 

See Attach
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$760.00}.
Product: Debt collection

Ability Recovery Services LLC had sent a piece of mail to my home in regards to a debt from XXXX XXXX  in the amount of {$1800.00}, this was paid in full through their website towards the end of 2023. However, since then the collection has come off of my XXXX credit report, but they are refusing to remove it from my XXXX credit report. I need this removed please. I am growing a small business and taking care of my mother and this is affecting me getting the help that the business needs and my mothers needs. I filed a dispute through XXXX and they were unsuccessful at getting it removed. I appreciate anything you can do to help me with this matter. 

Sincerely XXXX XXXX
Product: Credit card or prepaid card

When I was approved for a Wells Fargo credit card there was information on my credit report that caused the interest to be set at a rate that gouges me - approximately 25 %. I have informed Wells Fargo that this information has legitimately been removed and that they should re-review my rate. At my current XXXX credit score, I believe that my rate should be sub-20 %. Today a man called me to ACKNOWLEDGE that they have an internal department that reviews accounts for APR reductions but told me that he WILL NOT get in touch with hem to see if my APR can be reduced. They scam people by knowingly overcharging them for interest, in cases such as mine where they know there is a discrepancy. I will continue to work with the company and keep the CFPB abreast of their continued abuse of customers.
Product: Consumer Loan

After paying off my boat loan with US Bank, they sent the title to the bank XXXX where the check was drawn from and not to me. 
Upon calling to find out where my title was I was told by their account rep ( XXXX ) that they were sorry and a new title would be ordered and sent to my address. A month later I called and spoke with ( XXXX ) who informed me that XXXX never ordered a new title and that it could not be ordered. 
I then spoke to a supervisor ( XXXX XXXX ) who stated they were sorry and I should go to the DMV with the lien release and obtain a new title through them. XXXX XXXX was unaware that I would have to pay for a new title through DMV and again all she could say was sorry. She also stated contrary to the second rep I spoke with that a duplicate title was sent to my address yet I received nothing in the mail. 
I received the new title at the DMV at a cost of {$60.00} payable by me and when calling XXXX XXXX back she has routed my home phone which is associated with the account to a general mail box, yet when I call from my cell I can get through to her voice mail. I 've left 3 messages ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and she wo n't return my calls to find out how I get reimbursed for their mistake. After much frustration I call XXXX ( Regional Supervisor ) and left a detailed message for her on XX/XX/XXXX and as of today XX/XX/XXXX I have not received a call back. The new title cost {$60.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX COLLECT ( Original Creditor : XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX have this company on their report. XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management, File # XXXX XXXX. For a total of {$8200.00}. 
I have know Idea who they are or what this amount was spent on. I am completely in the dark on this matter. Where was this account originated. I have disputed this with XXXX and XXXX with no avail. Please Help me I have know Glue what this is for? 
XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX, MI.XXXX I have never heard of these companies or that large amount of money!
Product: Consumer Loan

I am financing a car with North State Acceptance. I started making payments XX/XX/XXXX. 
I have problems initially before I purchased the car, mechanically, several issues. I 've only had the car 3 months or so and had to put another motor in it and a catalytic converter, a steering column frame, and cutting off issues. I purchased the car from XXXX in XXXX NC. On Sunday, XX/XX/XXXX, I woke up and my car was not in my driveway. My car payment is not due until XX/XX/XXXX and I am not behind. I called North State and asked if they had my car, and they said no. The gentleman said that I was up to date on my payments, which I already knew that. So i dialed XXXX and had an officer come out because I thought my car had been stolen. The officer on the case called me on Monday morning, today ( XX/XX/XXXX ) and told me that in his search for the car, he found that it had been repossessed by North State Acceptance by error. Mind you, I just spoke to a representative and they assured me that it was not them that took my car. ( XXXX XXXX ) Now, here I am having to get a ride from other people or cabs because of the negligence of North State Acceptance and their misinformation. Now I have to wait for them to bring my car back.
Product: Checking or savings account

My checking account was overdrawn without my knowledge. The bank called my ex-husband and informed him. 
On XXXX, my ex husband was allowed to close the account without my knowledge and there for forfeiting the ability to recover over draft fees. 
When I discovered the closure I called, waited on hold for an extended period of time just to talk to someone who could not help. When I was transferred I was hung up on. 
I called back, waited on hold for over 10 minutes, again to speak to someone who was unable to help. I was then transferred to a supervisor, then a manager, who told me it would be investigate. 
After being on the phone for over 2 hours, I was continually told there was nothing that could be done to help me. I was interrupted when trying to talk multiple times. Told there was no one hire up to speak too. 

This is a dispute over {$50.00}, that's grocery money for me. I did not authorize the account closure, and I did not receive help fixing the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to file a complaint about fraudulent accounts found on my credit report. I have filed a complaint about these unknown accounts. I never received any documentation nor a response from the 3rd party collections or credit bureaus. 
The following accounts are fraudulent : XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have unknown addresses and misspelled names on my file as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate items on my LexisNexis CONSUMER report but they refuse to remove this information. I have contacted them on XX/XX/2022 until now.
Product: Credit reporting or other personal consumer reports

I previously filed a complaint with the CFPB on XX/XX/year>, which highlighted Experians failure to investigate disputes, block fraudulent accounts, and provide proper reinsertion notices. Despite this, Experian has failed to resolve the following items on my credit report : XXXX. XXXX XXXX Account XXXX XXXX XXXX : Fraudulent account linked to identity theft, with a balance of {$2500.00} and late payments added. Despite being disputed multiple times, Experian has ignored or failed to investigate this account appropriately, violating FCRA 605B and 611 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX  ( Account # XXXX ) : Reinserted without notice ; no evidence of verification provided. 
XXXX. XXXX XXXX  ( Account # XXXX ) : Reinserted with derogatory marks, violating reinsertion protocols. 
XXXX. XXXX XXXX ( Account # XXXX ) : Verified without proper investigation. 
XXXX. XXXX XXXX XXXX XXXX : Ignored entirely despite valid identity theft claims. 
XXXX. XXXX XXXX XXXX ( XX/XX/year> ) : Not removed despite prior disputes. 
XXXX. Incorrect Address ( XXXX XXXX XXXX ) : Remains listed on my report. 
Applicable Violations : FCRA 605B : Failure to block identity theft-related accounts.

FCRA 611 ( a ) ( 5 ) ( B ) : Failure to issue reinsertion notices.

FCRA 609 ( a ) ( 1 ) : Failure to verify disputed information. 
Harm Caused : Experians actions have led to : Financial harm and increased interest rates due to inaccurate derogatory items. 
Emotional distress and wasted time resolving these issues.
Product: Debt collection

this company put a debt in my credit report, but I did not know about the debt either the company.When I called them they talk about a t mobile bill I had 9 years ago.This bill was on my credit report before, I disputed with the credit bureau and they removed it.
Product: Debt collection

Professinal Bureau of Collections started reporting a debt that I supposedly owe on XX/XX/2018 for the amount of {$12000.00}. This company never notified me that they were attempting to collect a debt, nor did they give me 30 days to dispute the validity of the debt.
Product: Credit card or prepaid card

American Express, whom I hold four cards with, had a conversation with me. I asked them how to " raise my XXXX '' score. They told me to pay down my balances, and so I did, over {$3000.00} over a couple of days between on or about XXXX XXXX. The same day I brought my balances down, as they suggested, I received two letters from American Express stating they reduced my credit limit, which brought me right back to the same situation I was facing when I contacted them asking for advise on how to raise my score. I did as they said, and then they immediately reduced my credit limit to the amount it became when I paid all of that money to reduce the debt and to have available credit. They reduced the credit line to the exact amount I paid the cards down to. That put me in the same situation, so they didn't help my report, but after I took their advise and paid down the cards, they reduced my credit limit which in turn actually hurt my credit score, not help it. On the phone, they told me they " assessed my account '' ( which they themselves reported to all three bureaus an excellent payment history with not 1 single later payment ever reported to them, reports I obtained on XX/XX/XXXX ). They told me they based the reduction on a XX/XX/XXXX " assessment, '' but nowhere in the letter they dropped into my account does it say anything about XX/XX/XXXX or any assessment, only dated XX/XX/XXXX and only referencing that date. When I told them I was reporting this to you, they acted like it meant nothing whatsoever to do so. This company lied to me to bring down the amount, advised me falsely that by making the payments it would increase my score, then they immediately reduced my credit limit which now appears to the bureaus that I am still near my limit, which they placed me at after all the payments I made to reduce my debt to ratio cleared my bank ( when I made the successful payments ). The letters also state my credit score was the reason, which is not my credit score on any of my reports. To do this during the XXXX Wildfires ( I live on XXXX ) the day after I made the payments, but then to tell me this was an assessment from " XX/XX/XXXX '' that they didn't implement until XX/XX/XXXX, right after I made the payments they told me to make, is in absolute bad faith, and frankly, they lied. No where in their letters is there any mention of a XX/XX/XXXX date of re-assessing my account. I am stunned by the behavior of American Express, whose own reporting to all three bureaus, reported by them, show never have I had a late payment since the accounts were opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

My most recent Experian credit report shows a collections item by XXXX XXXX XXXX which was incorrectly filed against my personal credit. This was a business credit card I had through a bank. I have also never done business with XXXX XXXX XXXX. I believe they purchased this debt from another company It has also been more than 7 years since the original delinquency date and since I last made I last made a payment or there was any activity on the account. I have disputed this item several times and twice within the last few months, but Experian has not removed the item from my reports back to me " The company that reported the information has certified to Experian that the information is accurate. The item was not changed as a result of our processing of your dispute. Please review your report for the details. ''
Product: Mortgage

I refinanced with XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, CA XXXX in XX/XX/XXXX. My loan was sold to Flagstar Bank XX/XX/XXXX. 
There has been a {$50.00} fee added along with my mortgage payment since my account has been with Flagstar. I've been calling both companies since XX/XX/XXXX to have this removed. Flagstar claims the fee came from XXXX and states it is some sort of foreclosure related fee. I didn't have this fee when with XXXX and have never been late on mortgage payments since buying my condominium in XXXX. XXXX claims no knowledge of the fee. 

My suspicion is my account was mixed up with another consumer during the transfer of my mortgage. I haven't paid the fee and am getting nowhere with having this error reversed with either company.
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$650.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.